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Makati FinancePHS:MFIN 48 Equity-to-Asset is 0.54 as of Mar. 2026, which is 13% above its 10-year median of 0.48. GuruFocus rates PHS:MFIN with a GF Score™ of 48/100 and a GF Value™ of ₱1.66 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 546 Credit Services companies, Makati Finance ranks better than 63.19% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Makati Finance's Total Stockholders Equity for the quarter that ended in Mar. 2026 was ₱534.3 Mil. Makati Finance's Total Assets for the quarter that ended in Mar. 2026 was ₱983.6 Mil.
Therefore, Makati Finance's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.54.
The historical rank and industry rank for Makati Finance's Equity-to-Asset or its related term are showing as below:
PHS:MFIN'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.32 Med: 0.48 Max: 0.57
Current: 0.54
During the past 13 years, the highest Equity to Asset Ratio of Makati Finance was 0.57. The lowest was 0.32. And the median was 0.48.
PHS:MFIN's Equity-to-Asset is ranked better than 63.19% of 546
companies
in the Credit Services industry
Industry Median: 0.405
vs PHS:MFIN: 0.54
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%.
Makati Finance Equity-to-Asset Related Terms
Makati Finance Equity-to-Asset Historical Data
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The historical data trend for Makati Finance'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.
PHS:MFIN vs V, MA, AXP: Equity-to-Asset Comparison
For the Credit Services subindustry, Makati Finance'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.
Makati Finance Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Makati Finance's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Makati Finance'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.
Makati Finance'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.
Makati Finance (PHS:MFIN) has a Equity-to-Asset of 0.54 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Makati Finance and its competitors. This is 13% above median its historical median of 0.48. Over the past decade, Makati Finance's Equity-to-Asset has ranged from 0.32 to 0.57. According to the industry distribution chart, Makati Finance ranks #201 out of 546 companies in the Credit Services industry, placing it in the top 36.8%.
Is Makati Finance's Equity-to-Asset too high?
Makati Finance's current Equity-to-Asset of 0.54 is 13% above median its 10-year median of 0.48. Over the past 10 years, this metric has ranged from a low of 0.32 to a high of 0.57. The Credit Services industry median Equity-to-Asset is 0.41. Makati Finance's value of 0.54 is 33.3% above this industry median. Based on the distribution chart, Makati Finance ranks #201 out of 546 companies in the Credit Services industry, which is above the industry midpoint. Overall, Makati Finance has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Makati Finance's Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Makati Finance ranks #201 out of 546 companies for Equity-to-Asset. This puts Makati Finance in the upper half of its industry. The industry median Equity-to-Asset is 0.41. Makati Finance's value of 0.54 is 33.3% above this benchmark. Historically, Makati Finance's own Equity-to-Asset has ranged from 0.32 to 0.57 over the past decade. While the company's 10-year median is 0.48 vs. the industry median of 0.41, Makati Finance has consistently been above 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 Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.41, based on 546 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. Makati Finance's current Equity-to-Asset of 0.54 is 33.3% above 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 Makati Finance and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Makati Finance's current Equity-to-Asset is 0.54, which is 13% above median its own 10-year median of 0.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Makati Finance stock overvalued right now?
Based on GuruFocus' analysis, Makati Finance (PHS:MFIN) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱1.66, compared to a current price of ₱2.36 — trading 42.2% above its estimated fair value. The current Equity-to-Asset is 0.54, which is 13% above median its 10-year median of 0.48 and 33.3% above the Credit Services industry median of 0.41. Makati Finance's overall GF Score™ is 48/100 with 9 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 Makati Finance (PHS:MFIN), the current Equity-to-Asset is 0.54 as of Mar. 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 Makati Finance (PHS:MFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Makati Finance stock appears to be overvalued.
The current stock price of ₱2.36 is trading 42.2% above its estimated GF Value™ of ₱1.66.
GuruFocus considers Makati Finance to be Significantly Overvalued.
Key valuation signals for PHS:MFIN:
Equity-to-Asset: 0.54 (13% above median its 10-year median of 0.48)
GF Value™: ₱1.66 vs. price of ₱2.36 (42.2% above fair value)
Industry Position: 33.3% above the Credit Services median (#201 of 546)
No single metric tells the full story. See the PHS:MFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Makati Finance Corp provides financial services and advisory to its clients. It is engaged in stock dealership functions, credit line extensions, and acceptance of private placements. It has expanded its product lines from its traditional Rx Cashline, MFC Factors (receivables financing) Business Loans; Motorcycle Financing to include new financial products lines recently introduced by the company namely: corporate salary loans; personal loans; micro business loans; pension loans; car loans and leisure bikes financing. Its segments include Rx Cashline Group; Business Loans, Motor Vehicles Financing Group, Car Loans, and Other Segments. It derives revenue from Business Loans which grants loans to finance business owners who wish to expand its business or for the purpose of starting capital.
48GF Score
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