Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Laan & Spar Bank ASOCSE:LASP -0.71%48 Equity-to-Asset is 0.09 as of Jun. 2026, which is 13% above its 10-year median of 0.08. GuruFocus rates OCSE:LASP with a GF Score™ of 48/100 and a GF Value™ of kr819.12 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,518 Banks companies, Laan & Spar Bank AS ranks worse than 55.6% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Laan & Spar Bank AS's Total Stockholders Equity for the quarter that ended in Jun. 2026 was kr3,748 Mil. Laan & Spar Bank AS's Total Assets for the quarter that ended in Jun. 2026 was kr43,805 Mil.
Therefore, Laan & Spar Bank AS's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.09.
The historical rank and industry rank for Laan & Spar Bank AS's Equity-to-Asset or its related term are showing as below:
OCSE:LASP'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.08 Max: 0.09
Current: 0.09
During the past 13 years, the highest Equity to Asset Ratio of Laan & Spar Bank AS was 0.09. The lowest was 0.07. And the median was 0.08.
OCSE:LASP's Equity-to-Asset is ranked worse than 55.6% of 1518
companies
in the Banks industry
Industry Median: 0.1
vs OCSE:LASP: 0.09
Laan & Spar Bank AS (OCSE:LASP) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Laan & Spar Bank AS Equity-to-Asset Related Terms
Laan & Spar Bank AS Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Laan & Spar Bank AS's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Laan & Spar Bank AS Equity-to-Asset Competitor Comparison
For the Banks - Regional subindustry, Laan & Spar Bank AS's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Laan & Spar Bank AS Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Laan & Spar Bank AS's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Laan & Spar Bank AS's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Laan & Spar Bank AS's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Laan & Spar Bank AS (OCSE:LASP) has a Equity-to-Asset of 0.09 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Laan & Spar Bank AS and its competitors. This is 13% above median its historical median of 0.08. Over the past decade, Laan & Spar Bank AS's Equity-to-Asset has ranged from 0.07 to 0.09. According to the industry distribution chart, Laan & Spar Bank AS ranks #844 out of 1518 companies in the Banks industry, placing it in the top 55.6%.
Is Laan & Spar Bank AS's Equity-to-Asset too high?
Laan & Spar Bank AS's current Equity-to-Asset of 0.09 is 13% above median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.09. The Banks industry median Equity-to-Asset is 0.10. Laan & Spar Bank AS's value of 0.09 is 10% below this industry median. Based on the distribution chart, Laan & Spar Bank AS ranks #844 out of 1518 companies in the Banks industry, which is below the industry midpoint. Overall, Laan & Spar Bank AS has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Laan & Spar Bank AS's Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, Laan & Spar Bank AS ranks #844 out of 1518 companies for Equity-to-Asset. This places Laan & Spar Bank AS in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Laan & Spar Bank AS's value of 0.09 is 10% below this benchmark. Historically, Laan & Spar Bank AS's own Equity-to-Asset has ranged from 0.07 to 0.09 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, Laan & Spar Bank AS has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Laan & Spar Bank AS's current Equity-to-Asset of 0.09 is 10% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Laan & Spar Bank AS and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Laan & Spar Bank AS's current Equity-to-Asset is 0.09, which is 13% above median its own 10-year median of 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Laan & Spar Bank AS stock overvalued right now?
Based on GuruFocus' analysis, Laan & Spar Bank AS (OCSE:LASP) is currently considered Significantly Overvalued. The stock's GF Value™ is kr819.12, compared to a current price of kr1,390.00 — trading 69.7% above its estimated fair value. The current Equity-to-Asset is 0.09, which is 13% above median its 10-year median of 0.08 and 10% below the Banks industry median of 0.10. Laan & Spar Bank AS's overall GF Score™ is 48/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Laan & Spar Bank AS (OCSE:LASP), the current Equity-to-Asset is 0.09 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Laan & Spar Bank AS (OCSE:LASP) Overvalued in 2026?
Based on GuruFocus' analysis, Laan & Spar Bank AS stock appears to be overvalued.
The current stock price of kr1,390.00 is trading 69.7% above its estimated GF Value™ of kr819.12.
GuruFocus considers Laan & Spar Bank AS to be Significantly Overvalued.
Key valuation signals for OCSE:LASP:
Equity-to-Asset: 0.09 (13% above median its 10-year median of 0.08)
GF Value™: kr819.12 vs. price of kr1,390.00 (69.7% above fair value)
Industry Position: 10% below the Banks median (#844 of 1518)
No single metric tells the full story. See the OCSE:LASP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Laan & Spar Bank AS is a bank. It is engaged in the operation of specialty banking services for household customers. The company offers deposits, car and housing loans, business loans, and mortgages; and cards. It also provides investment, and pension and insurance services; and Internet banking and payment services.
48GF Score
Get the complete analysis for OCSE:LASP
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
OCSE:LASP has been successfully added to your 
