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Affin Bank BhdXKLS:5185 -0.49%67 Equity-to-Asset is 0.10 as of Jun. 2026, which is 17% below its 10-year median of 0.12. GuruFocus rates XKLS:5185 with a GF Score™ of 67/100 and a GF Value™ of RM2.88 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 1,518 Banks companies, Affin Bank Bhd ranks better than 54.41% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Affin Bank Bhd's Total Stockholders Equity for the quarter that ended in Jun. 2026 was RM12,373 Mil. Affin Bank Bhd's Total Assets for the quarter that ended in Jun. 2026 was RM129,396 Mil.
Therefore, Affin Bank Bhd's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.10.
The historical rank and industry rank for Affin Bank Bhd's Equity-to-Asset or its related term are showing as below:
XKLS:5185'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1 Med: 0.12 Max: 0.14
Current: 0.1
During the past 13 years, the highest Equity to Asset Ratio of Affin Bank Bhd was 0.14. The lowest was 0.10. And the median was 0.12.
XKLS:5185's Equity-to-Asset is ranked better than 54.41% of 1518
companies
in the Banks industry
Industry Median: 0.1
vs XKLS:5185: 0.10
Affin Bank Bhd (XKLS:5185) 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%.
Affin Bank Bhd Equity-to-Asset Related Terms
Affin Bank Bhd Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Affin Bank Bhd'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, Affin Bank Bhd'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.
Affin Bank Bhd Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Affin Bank Bhd's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Affin Bank Bhd'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.
Affin Bank Bhd'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.
Affin Bank Bhd (XKLS:5185) has a Equity-to-Asset of 0.10 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Affin Bank Bhd and its competitors. This is 17% below median its historical median of 0.12. Over the past decade, Affin Bank Bhd's Equity-to-Asset has ranged from 0.10 to 0.14. According to the industry distribution chart, Affin Bank Bhd ranks #692 out of 1518 companies in the Banks industry, placing it in the top 45.6%.
Is Affin Bank Bhd's Equity-to-Asset too high?
Affin Bank Bhd's current Equity-to-Asset of 0.10 is 17% below median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.14. The Banks industry median Equity-to-Asset is 0.10. Affin Bank Bhd's value of 0.10 is 0% at this industry median. Based on the distribution chart, Affin Bank Bhd ranks #692 out of 1518 companies in the Banks industry, which is above the industry midpoint. Overall, Affin Bank Bhd has a GF Score™ of 67/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Affin Bank Bhd's Equity-to-Asset compare to USB and PNC?
According to the Banks industry distribution chart, Affin Bank Bhd ranks #692 out of 1518 companies for Equity-to-Asset. This puts Affin Bank Bhd in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Affin Bank Bhd's value of 0.10 is 0% at this benchmark. Historically, Affin Bank Bhd's own Equity-to-Asset has ranged from 0.10 to 0.14 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.10, Affin Bank Bhd has consistently been at 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 1,518 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. Affin Bank Bhd's current Equity-to-Asset of 0.10 is 0% at 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 Affin Bank Bhd 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. Affin Bank Bhd's current Equity-to-Asset is 0.10, which is 17% below median its own 10-year median of 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Affin Bank Bhd stock overvalued right now?
Based on GuruFocus' analysis, Affin Bank Bhd (XKLS:5185) is currently considered Possible Value Trap. The stock's GF Value™ is RM2.88, compared to a current price of RM2.03 — trading 29.5% below its estimated fair value. The current Equity-to-Asset is 0.10, which is 17% below median its 10-year median of 0.12 and 0% at the Banks industry median of 0.10. Affin Bank Bhd's overall GF Score™ is 67/100 with 4 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 Affin Bank Bhd (XKLS:5185), the current Equity-to-Asset is 0.10 as of Jun. 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 Affin Bank Bhd (XKLS:5185) Overvalued in 2026?
Based on GuruFocus' analysis, Affin Bank Bhd stock appears to be undervalued.
The current stock price of RM2.03 is trading 29.5% below its estimated GF Value™ of RM2.88.
GuruFocus considers Affin Bank Bhd to be Possible Value Trap.
Key valuation signals for XKLS:5185:
Equity-to-Asset: 0.10 (17% below median its 10-year median of 0.12)
GF Value™: RM2.88 vs. price of RM2.03 (29.5% below fair value)
Industry Position: 0% at the Banks median (#692 of 1518)
No single metric tells the full story. See the XKLS:5185 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Affin Bank Bhd is a Malaysia-based bank. It operates in four segments: Commercial Banking focuses on the business of banking in all aspects including Islamic Banking operations; Investment Banking focuses on the business of a merchant bank, stock-broking, and other related financial services; Insurance includes the business of underwriting all classes of general and life insurance businesses in Malaysia; and Others include operation of investment holding companies, money-broking, information technology and other related financial services. The company provides Personal banking and Business banking services. The majority of the group's revenue comes from Commercial Banking within Malaysia.
67GF Score
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