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Rizal Commercial BankingPHS:RCB 77 Equity-to-Asset is 0.11 as of Mar. 2026, which is 8% below its 10-year median of 0.12. GuruFocus rates PHS:RCB with a GF Score™ of 77/100 and a GF Value™ of ₱29.76 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,526 Banks companies, Rizal Commercial Banking ranks better than 64.61% on this metric.
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%.
Rizal Commercial Banking Equity-to-Asset Related Terms
Rizal Commercial Banking Equity-to-Asset Historical Data
* 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.
For the Banks - Regional subindustry, Rizal Commercial Banking'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.
Rizal Commercial Banking Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Rizal Commercial Banking's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Rizal Commercial Banking'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.
Rizal Commercial Banking'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.
Rizal Commercial Banking (PHS:RCB) has a Equity-to-Asset of 0.11 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Rizal Commercial Banking and its competitors. This is near median its historical median of 0.12. Over the past decade, Rizal Commercial Banking's Equity-to-Asset has ranged from 0.10 to 0.14. According to the industry distribution chart, Rizal Commercial Banking ranks #540 out of 1526 companies in the Banks industry, placing it in the top 35.4%.
Is Rizal Commercial Banking's Equity-to-Asset too high?
Rizal Commercial Banking's current Equity-to-Asset of 0.11 is near median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.14. The Banks industry median Equity-to-Asset is 0.10. Rizal Commercial Banking's value of 0.11 is 10% above this industry median. Based on the distribution chart, Rizal Commercial Banking ranks #540 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Rizal Commercial Banking has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Rizal Commercial Banking's Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, Rizal Commercial Banking ranks #540 out of 1526 companies for Equity-to-Asset. This puts Rizal Commercial Banking in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Rizal Commercial Banking's value of 0.11 is 10% above this benchmark. Historically, Rizal Commercial Banking's own Equity-to-Asset has ranged from 0.10 to 0.14 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.10, Rizal Commercial Banking 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 Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,526 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. Rizal Commercial Banking's current Equity-to-Asset of 0.11 is 10% 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 Rizal Commercial Banking 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. Rizal Commercial Banking's current Equity-to-Asset is 0.11, which is near median its own 10-year median of 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Rizal Commercial Banking stock overvalued right now?
Based on GuruFocus' analysis, Rizal Commercial Banking (PHS:RCB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱29.76, compared to a current price of ₱23.40 — trading 21.4% below its estimated fair value. The current Equity-to-Asset is 0.11, which is near median its 10-year median of 0.12 and 10% above the Banks industry median of 0.10. Rizal Commercial Banking's overall GF Score™ is 77/100 with 3 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 Rizal Commercial Banking (PHS:RCB), the current Equity-to-Asset is 0.11 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 Rizal Commercial Banking (PHS:RCB) Overvalued in 2026?
Based on GuruFocus' analysis, Rizal Commercial Banking stock appears to be undervalued.
The current stock price of ₱23.40 is trading 21.4% below its estimated GF Value™ of ₱29.76.
GuruFocus considers Rizal Commercial Banking to be Modestly Undervalued.
Key valuation signals for PHS:RCB:
Equity-to-Asset: 0.11 (near median its 10-year median of 0.12)
GF Value™: ₱29.76 vs. price of ₱23.40 (21.4% below fair value)
Industry Position: 10% above the Banks median (#540 of 1526)
No single metric tells the full story. See the PHS:RCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Rizal Commercial Banking Corporation is a bank. The company provides banking and financial products and services to its customers in the Philippines but also in Asia, Europe, and the United States. The bank operates in the below segments: Retail, Corporate, Small and Medium enterprises, Treasury, and Others. Of these segments, the contributor to revenue is the retail banking function, followed by corporate banking. Services provided to clients include checking and savings accounts, deposits, credit cards, consumer and commercial loans, money market and trading services, investment banking, foreign exchange, wealth management, economic and investment research, syndicated loans, and wholesale lending.
77GF Score
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