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Builders Capital Mortgage (TSXV:BCF) 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%.
Builders Capital Mortgage Equity-to-Asset Related Terms
Builders Capital Mortgage 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.
TSXV:BCF vs RKT, FNMA, PFSI: Equity-to-Asset Comparison
For the Mortgage Finance subindustry, Builders Capital Mortgage'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.
Builders Capital Mortgage Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Builders Capital Mortgage's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Builders Capital Mortgage's Equity-to-Asset falls into.
Builders Capital Mortgage 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.
Builders Capital Mortgage'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.
Builders Capital Mortgage (TSXV:BCF) has a Equity-to-Asset of 0.61 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Builders Capital Mortgage and its competitors. This is 31% below median its historical median of 0.88. Over the past decade, Builders Capital Mortgage's Equity-to-Asset has ranged from 0.61 to 0.98. According to the industry distribution chart, Builders Capital Mortgage ranks #19 out of 1521 companies in the Banks industry, placing it in the top 1.2%.
Is Builders Capital Mortgage's Equity-to-Asset too high?
Builders Capital Mortgage's current Equity-to-Asset of 0.61 is 31% below median its 10-year median of 0.88. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 0.98. The Banks industry median Equity-to-Asset is 0.10. Builders Capital Mortgage's value of 0.61 is 510% above this industry median. Based on the distribution chart, Builders Capital Mortgage ranks #19 out of 1521 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Builders Capital Mortgage has a GF Score™ of 57/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Builders Capital Mortgage's Equity-to-Asset compare to RKT and FNMA?
According to the Banks industry distribution chart, Builders Capital Mortgage ranks #19 out of 1521 companies for Equity-to-Asset. This places Builders Capital Mortgage in the top 1% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Builders Capital Mortgage's value of 0.61 is 510% above this benchmark. Historically, Builders Capital Mortgage's own Equity-to-Asset has ranged from 0.61 to 0.98 over the past decade. While the company's 10-year median is 0.88 vs. the industry median of 0.10, Builders Capital Mortgage 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 1,521 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. Builders Capital Mortgage's current Equity-to-Asset of 0.61 is 510% 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 Builders Capital Mortgage 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. Builders Capital Mortgage's current Equity-to-Asset is 0.61, which is 31% below median its own 10-year median of 0.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Builders Capital Mortgage stock overvalued right now?
Based on GuruFocus' analysis, Builders Capital Mortgage (TSXV:BCF) is currently considered Possible Value Trap. The stock's GF Value™ is C$14.95, compared to a current price of C$9.80 — trading 34.4% below its estimated fair value. The current Equity-to-Asset is 0.61, which is 31% below median its 10-year median of 0.88 and 510% above the Banks industry median of 0.10. Builders Capital Mortgage's overall GF Score™ is 57/100 with 7 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 Builders Capital Mortgage (TSXV:BCF), the current Equity-to-Asset is 0.61 as of Dec. 2025. 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 Builders Capital Mortgage (TSXV:BCF) Overvalued in 2026?
Based on GuruFocus' analysis, Builders Capital Mortgage stock appears to be undervalued.
The current stock price of C$9.80 is trading 34.4% below its estimated GF Value™ of C$14.95.
GuruFocus considers Builders Capital Mortgage to be Possible Value Trap.
Key valuation signals for TSXV:BCF:
Equity-to-Asset: 0.61 (31% below median its 10-year median of 0.88)
GF Value™: C$14.95 vs. price of C$9.80 (34.4% below fair value)
Industry Position: 510% above the Banks median (#19 of 1521)
No single metric tells the full story. See the TSXV:BCF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Builders Capital Mortgage Corp is a mortgage lender providing short-term course-of-construction financing to builders of residential, wood-frame properties in Western Canada. The company's business is to acquire, originate and maintain a portfolio consisting of construction mortgages that are secured by development stage residential real property. Its investment objective is to generate attractive returns, relative to risk, to provide stable and consistent distributions to shareholders while remaining focused on capital preservation and satisfying the criteria mandated for mortgage investment corporations.
57GF Score
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