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Standard Chartered Bank GhanaXGHA:SCB 68 Equity-to-Asset is 0.17 as of Mar. 2026, which is 13% above its 10-year median of 0.15. GuruFocus rates XGHA:SCB with a GF Score™ of 68/100 and a GF Value™ of GHS37.41 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,524 Banks companies, Standard Chartered Bank Ghana ranks better than 90.68% on this metric.
Standard Chartered Bank Ghana (XGHA:SCB) 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%.
Standard Chartered Bank Ghana Equity-to-Asset Related Terms
Standard Chartered Bank Ghana 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.
Standard Chartered Bank Ghana Equity-to-Asset Chart
For the Banks - Regional subindustry, Standard Chartered 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.
Standard Chartered Bank Ghana Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Standard Chartered Bank Ghana's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Standard Chartered Bank Ghana's Equity-to-Asset falls into.
Standard Chartered Bank Ghana 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.
* 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.
Standard Chartered Bank Ghana (XGHA:SCB) has a Equity-to-Asset of 0.17 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Standard Chartered Bank Ghana and its competitors. This is 13% above median its historical median of 0.15. Over the past decade, Standard Chartered Bank Ghana's Equity-to-Asset has ranged from 0.11 to 0.19. According to the industry distribution chart, Standard Chartered Bank Ghana ranks #142 out of 1524 companies in the Banks industry, placing it in the top 9.3%.
Is Standard Chartered Bank Ghana's Equity-to-Asset too high?
Standard Chartered Bank Ghana's current Equity-to-Asset of 0.17 is 13% above median its 10-year median of 0.15. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.19. The Banks industry median Equity-to-Asset is 0.10. Standard Chartered Bank Ghana's value of 0.17 is 70% above this industry median. Based on the distribution chart, Standard Chartered Bank Ghana ranks #142 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Standard Chartered Bank Ghana has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Chartered Bank Ghana's Equity-to-Asset compare to PNC?
According to the Banks industry distribution chart, Standard Chartered Bank Ghana ranks #142 out of 1524 companies for Equity-to-Asset. This places Standard Chartered Bank Ghana in the top 9% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Standard Chartered Bank Ghana's value of 0.17 is 70% above this benchmark. Historically, Standard Chartered Bank Ghana's own Equity-to-Asset has ranged from 0.11 to 0.19 over the past decade. While the company's 10-year median is 0.15 vs. the industry median of 0.10, Standard Chartered 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. Standard Chartered Bank Ghana's current Equity-to-Asset of 0.17 is 70% 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 Standard Chartered 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. Standard Chartered Bank Ghana's current Equity-to-Asset is 0.17, which is 13% above median its own 10-year median of 0.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Chartered Bank Ghana stock overvalued right now?
Based on GuruFocus' analysis, Standard Chartered Bank Ghana (XGHA:SCB) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS37.41, compared to a current price of GHS70.00 — trading 87.1% above its estimated fair value. The current Equity-to-Asset is 0.17, which is 13% above median its 10-year median of 0.15 and 70% above the Banks industry median of 0.10. Standard Chartered Bank Ghana's overall GF Score™ is 68/100 with 1 warning sign 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 Standard Chartered Bank Ghana (XGHA:SCB), the current Equity-to-Asset is 0.17 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 Standard Chartered Bank Ghana (XGHA:SCB) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Chartered Bank Ghana stock appears to be overvalued.
The current stock price of GHS70.00 is trading 87.1% above its estimated GF Value™ of GHS37.41.
GuruFocus considers Standard Chartered Bank Ghana to be Significantly Overvalued.
Key valuation signals for XGHA:SCB:
Equity-to-Asset: 0.17 (13% above median its 10-year median of 0.15)
GF Value™: GHS37.41 vs. price of GHS70.00 (87.1% above fair value)
Industry Position: 70% above the Banks median (#142 of 1524)
No single metric tells the full story. See the XGHA:SCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Standard Chartered Bank Ghana PLC is a banking corporation registered in Ghana. It provides various banking services including personal banking, private banking, and business banking. The company manages its business into three segments namely, Corporate & Investment Banking, Wealth & Retail Banking, Ventures and Central & Other Items. The company's services include savings, loans, mortgages, credit cards, insurance, and investment opportunities for individual customers. It focuses on offering financial solutions to small-medium enterprises, corporates, and financial institutions. Geographically, it operates in Hong Kong, Korea, China, Singapore, UK, and U.S.
68GF Score
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