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Access Bank GhanaXGHA:ACCESS 10 Equity-to-Asset is 0.11 as of Mar. 2026, which is 31% below its 10-year median of 0.16. GuruFocus rates XGHA:ACCESS with a GF Score™ of 10/100. The stock has 3 warning signs investors should review. Among 1,524 Banks companies, Access Bank Ghana ranks better than 64.24% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Access Bank Ghana's Total Stockholders Equity for the quarter that ended in Mar. 2026 was GHS2,158 Mil. Access Bank Ghana's Total Assets for the quarter that ended in Mar. 2026 was GHS19,758 Mil.
Therefore, Access Bank Ghana's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.11.
The historical rank and industry rank for Access Bank Ghana's Equity-to-Asset or its related term are showing as below:
XGHA:ACCESS'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1 Med: 0.16 Max: 0.22
Current: 0.11
During the past 11 years, the highest Equity to Asset Ratio of Access Bank Ghana was 0.22. The lowest was 0.10. And the median was 0.16.
XGHA:ACCESS's Equity-to-Asset is ranked better than 64.24% of 1524
companies
in the Banks industry
Industry Median: 0.1
vs XGHA:ACCESS: 0.11
Access Bank Ghana (XGHA:ACCESS) 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%.
Access Bank Ghana Equity-to-Asset Related Terms
Access Bank Ghana Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Access Bank Ghana'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.
For the Banks - Regional subindustry, Access Bank Ghana'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.
Access Bank Ghana Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Access Bank Ghana's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Access Bank Ghana'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.
Access Bank Ghana'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.
Access Bank Ghana (XGHA:ACCESS) 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 Access Bank Ghana and its competitors. This is 31% below median its historical median of 0.16. Over the past decade, Access Bank Ghana's Equity-to-Asset has ranged from 0.10 to 0.22. According to the industry distribution chart, Access Bank Ghana ranks #545 out of 1524 companies in the Banks industry, placing it in the top 35.8%.
Is Access Bank Ghana's Equity-to-Asset too high?
Access Bank Ghana's current Equity-to-Asset of 0.11 is 31% below median its 10-year median of 0.16. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.22. The Banks industry median Equity-to-Asset is 0.10. Access Bank Ghana's value of 0.11 is 10% above this industry median. Based on the distribution chart, Access Bank Ghana ranks #545 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, Access Bank Ghana has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does Access Bank Ghana's Equity-to-Asset compare to PNC?
According to the Banks industry distribution chart, Access Bank Ghana ranks #545 out of 1524 companies for Equity-to-Asset. This puts Access Bank Ghana in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Access Bank Ghana's value of 0.11 is 10% above this benchmark. Historically, Access Bank Ghana's own Equity-to-Asset has ranged from 0.10 to 0.22 over the past decade. While the company's 10-year median is 0.16 vs. the industry median of 0.10, Access Bank Ghana 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 1,524 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. Access Bank Ghana'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 Access Bank Ghana 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. Access Bank Ghana's current Equity-to-Asset is 0.11, which is 31% below 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 Access Bank Ghana stock overvalued right now?
Access Bank Ghana (XGHA:ACCESS) has a current Equity-to-Asset of 0.11. The current Equity-to-Asset is 0.11, which is 31% below median its 10-year median of 0.16 and 10% above the Banks industry median of 0.10. Access Bank Ghana's overall GF Score™ is 10/100 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 Access Bank Ghana (XGHA:ACCESS), 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.
Access Bank Ghana PLC is a Ghana-based commercial bank. The bank provides universal banking services including Retail Banking, Commercial Banking, Business Banking, Personal Banking, and Exclusive Banking. It also provides support for financing landmark projects in the private and public sectors. It provides services to Corporate, Commercial, Retail customers, and Financial Institutions across Ghana. The company's segments include Institutional Banking, Commercial Banking, Personal, and Business Banking, and Treasury.
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