Avangard Bank JSC (RTD:AVAN) Equity-to-Asset: 0.19 (As of Dec. 2020) — 19% Above Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

What is Avangard Bank JSC Equity-to-Asset?

Avangard Bank JSC RTD:AVAN 17 Equity-to-Asset is 0.19 as of Dec. 2020, which is 19% above its 10-year median of 0.16. GuruFocus rates RTD:AVAN with a GF Score™ of 17/100. The stock has 2 warning signs investors should review.

Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Avangard Bank JSC's Total Stockholders Equity for the quarter that ended in Dec. 2020 was ₽24,996.01 Mil. Avangard Bank JSC's Total Assets for the quarter that ended in Dec. 2020 was ₽132,702.23 Mil. Therefore, Avangard Bank JSC's Equity to Asset Ratio for the quarter that ended in Dec. 2020 was 0.19.

The historical rank and industry rank for Avangard Bank JSC's Equity-to-Asset or its related term are showing as below:

RTD:AVAN' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.14   Med: 0.16   Max: 0.24
Current: 0.19

During the past 13 years, the highest Equity to Asset Ratio of Avangard Bank JSC was 0.24. The lowest was 0.14. And the median was 0.16.

RTD:AVAN's Equity-to-Asset is not ranked
in the Banks industry.
Industry Median: 0.1 vs RTD:AVAN: 0.19

Avangard Bank JSC  (RTD:AVAN) 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%.


Avangard Bank JSC Equity-to-Asset Related Terms


Avangard Bank JSC Equity-to-Asset Historical Data

* Premium members only.

The historical data trend for Avangard Bank JSC'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.

Avangard Bank JSC Equity-to-Asset Chart

Avangard Bank JSC Annual Data
Trend Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20
Equity-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.16 0.17 0.20 0.24 0.19

Avangard Bank JSC Quarterly Data
Dec14 Dec15 Jun16 Dec16 Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20
Equity-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.24 0.27 0.24 0.21 0.19

RTD:AVAN vs USB, TFC, PNC: Equity-to-Asset Comparison

For the Banks - Regional subindustry, Avangard Bank JSC'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.


Avangard Bank JSC Equity-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Avangard Bank JSC's Equity-to-Asset distribution charts can be found below:

* The bar in red indicates where Avangard Bank JSC's Equity-to-Asset falls into.



Avangard Bank JSC Equity-to-Asset Calculation

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.

Avangard Bank JSC's Equity to Asset Ratio for the fiscal year that ended in Dec. 2020 is calculated as

Equity to Asset (A: Dec. 2020 )=Total Stockholders Equity/Total Assets
=24996.011/132702.225
=0.19

Avangard Bank JSC's Equity to Asset Ratio for the quarter that ended in Dec. 2020 is calculated as

Equity to Asset (Q: Dec. 2020 )=Total Stockholders Equity/Total Assets
=24996.011/132702.225
=0.19

* 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.

Frequently Asked Questions Learn more about Equity-to-Asset →
What does a Equity-to-Asset of 0.19 mean?
Avangard Bank JSC (RTD:AVAN) has a Equity-to-Asset of 0.19 as of Dec. 2020. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Avangard Bank JSC and its competitors. This is 19% above median its historical median of 0.16. Over the past decade, Avangard Bank JSC's Equity-to-Asset has ranged from 0.14 to 0.24.
Is Avangard Bank JSC's Equity-to-Asset too high?
Avangard Bank JSC's current Equity-to-Asset of 0.19 is 19% above median its 10-year median of 0.16. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 0.24. The Banks industry median Equity-to-Asset is 0.10. Avangard Bank JSC's value of 0.19 is 90% above this industry median. Overall, Avangard Bank JSC has a GF Score™ of 17/100, reflecting its overall financial health beyond just this single metric.
How does Avangard Bank JSC's Equity-to-Asset compare to USB and TFC?
Avangard Bank JSC's Equity-to-Asset of 0.19 can be compared against companies in the Banks industry. The industry median Equity-to-Asset is 0.10. Avangard Bank JSC's value of 0.19 is 90% above this benchmark. Historically, Avangard Bank JSC's own Equity-to-Asset has ranged from 0.14 to 0.24 over the past decade. While the company's 10-year median is 0.16 vs. the industry median of 0.10, Avangard Bank JSC 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 1,522 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. Avangard Bank JSC's current Equity-to-Asset of 0.19 is 90% 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 Avangard Bank JSC 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. Avangard Bank JSC's current Equity-to-Asset is 0.19, which is 19% above median its own 10-year median of 0.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Avangard Bank JSC stock overvalued right now?
Avangard Bank JSC (RTD:AVAN) has a current Equity-to-Asset of 0.19. The current Equity-to-Asset is 0.19, which is 19% above median its 10-year median of 0.16 and 90% above the Banks industry median of 0.10. Avangard Bank JSC's overall GF Score™ is 17/100 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 Avangard Bank JSC (RTD:AVAN), the current Equity-to-Asset is 0.19 as of Dec. 2020. 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.

Avangard Bank JSC Business Description

Address 12 Sadovnicheskaya Street, Building 1, Moscow, RUS, 115035
Avangard JSB formerly Avangard Bank JSC operates as a regional bank in Russia. It provides commercial banking products and services to its corporate and retail clients in Russia through its branches and affiliates. It is also engaged in lending cash and settlement services rendered to private businesses. The company offers deposits, car loans, bank cards, banknotes, securities transactions, settlement and cash, currency control, and money transfer services, as well as Internet banking and other services.