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RFA FinancialRFAFF 41 Equity-to-Asset is 0.26 as of Mar. 2026, which is 47% below its 10-year median of 0.49. GuruFocus rates RFAFF with a GF Score™ of 41/100 and a GF Value™ of $11.62 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 927 REITs companies, RFA Financial ranks worse than 90.94% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. RFA Financial's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $1,042.6 Mil. RFA Financial's Total Assets for the quarter that ended in Mar. 2026 was $3,988.5 Mil.
Therefore, RFA Financial's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.26.
The historical rank and industry rank for RFA Financial's Equity-to-Asset or its related term are showing as below:
RFAFF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.26 Med: 0.49 Max: 0.58
Current: 0.26
During the past 13 years, the highest Equity to Asset Ratio of RFA Financial was 0.58. The lowest was 0.26. And the median was 0.49.
RFAFF's Equity-to-Asset is ranked worse than 90.94% of 927
companies
in the REITs industry
Industry Median: 0.58
vs RFAFF: 0.26
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%.
RFA Financial Equity-to-Asset Related Terms
RFA Financial Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for RFA Financial'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.
RFAFF vs VICI, WPC, BNL: Equity-to-Asset Comparison
For the REIT - Diversified subindustry, RFA Financial'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.
RFA Financial Equity-to-Asset vs REITs Industry
For the REITs industry and Real Estate sector, RFA Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where RFA Financial'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.
RFA Financial'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.
RFA Financial (RFAFF) has a Equity-to-Asset of 0.26 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on RFA Financial and its competitors. This is 47% below median its historical median of 0.49. Over the past decade, RFA Financial's Equity-to-Asset has ranged from 0.26 to 0.58. According to the industry distribution chart, RFA Financial ranks #843 out of 927 companies in the REITs industry, placing it in the top 90.9%.
Is RFA Financial's Equity-to-Asset too high?
RFA Financial's current Equity-to-Asset of 0.26 is 47% below median its 10-year median of 0.49. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 0.58. The REITs industry median Equity-to-Asset is 0.58. RFA Financial's value of 0.26 is 55.2% below this industry median. Based on the distribution chart, RFA Financial ranks #843 out of 927 companies in the REITs industry, which is in the bottom quartile relative to peers. Overall, RFA Financial has a GF Score™ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does RFA Financial's Equity-to-Asset compare to VICI and WPC?
According to the REITs industry distribution chart, RFA Financial ranks #843 out of 927 companies for Equity-to-Asset. This places RFA Financial in the lower half of its industry. The industry median Equity-to-Asset is 0.58. RFA Financial's value of 0.26 is 55.2% below this benchmark. Historically, RFA Financial's own Equity-to-Asset has ranged from 0.26 to 0.58 over the past decade. While the company's 10-year median is 0.49 vs. the industry median of 0.58, RFA Financial 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 REITs company?
The median Equity-to-Asset among REITs companies is 0.58, based on 927 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. RFA Financial's current Equity-to-Asset of 0.26 is 55.2% 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 RFA Financial and its competitors. For the REITs industry, the median Equity-to-Asset is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RFA Financial's current Equity-to-Asset is 0.26, which is 47% below median its own 10-year median of 0.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is RFA Financial stock overvalued right now?
Based on GuruFocus' analysis, RFA Financial (RFAFF) is currently considered Significantly Overvalued. The stock's GF Value™ is $11.62, compared to a current price of $18.47 — trading 59% above its estimated fair value. The current Equity-to-Asset is 0.26, which is 47% below median its 10-year median of 0.49 and 55.2% below the REITs industry median of 0.58. RFA Financial's overall GF Score™ is 41/100 with 6 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 RFA Financial (RFAFF), the current Equity-to-Asset is 0.26 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 RFA Financial (RFAFF) Overvalued in 2026?
Based on GuruFocus' analysis, RFA Financial stock appears to be overvalued.
The current stock price of $18.47 is trading 59% above its estimated GF Value™ of $11.62.
GuruFocus considers RFA Financial to be Significantly Overvalued.
Key valuation signals for RFAFF:
Equity-to-Asset: 0.26 (47% below median its 10-year median of 0.49)
GF Value™: $11.62 vs. price of $18.47 (59% above fair value)
Industry Position: 55.2% below the REITs median (#843 of 927)
No single metric tells the full story. See the RFAFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
RFA Financial Inc is a scaled and dynamic financial service platform positioned as an intersection of banking, mortgage, origination, and real estate. It aims to deliver long-term value through an integrated approach to banking and mortgage lending, with a focus on competitive, consumer-focused financial products.
41GF Score
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