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ELK-Desa Resources BhdXKLS:5228 +0.51%82 Equity-to-Asset is 0.54 as of Jun. 2026, which is 17% below its 10-year median of 0.65. GuruFocus rates XKLS:5228 with a GF Score™ of 82/100 and a GF Value™ of RM1.33 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 555 Credit Services companies, ELK-Desa Resources Bhd ranks better than 62.34% on this metric.
ELK-Desa Resources Bhd (XKLS:5228) 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%.
ELK-Desa Resources Bhd Equity-to-Asset Related Terms
ELK-Desa Resources Bhd Equity-to-Asset Historical Data
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The historical data trend for ELK-Desa Resources 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.
XKLS:5228 vs V, MA, AXP: Equity-to-Asset Comparison
For the Credit Services subindustry, ELK-Desa Resources 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.
ELK-Desa Resources Bhd Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ELK-Desa Resources Bhd's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where ELK-Desa Resources Bhd's Equity-to-Asset falls into.
ELK-Desa Resources Bhd 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.
ELK-Desa Resources Bhd's Equity to Asset Ratio for the fiscal year that ended in Mar. 2026 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.
ELK-Desa Resources Bhd (XKLS:5228) has a Equity-to-Asset of 0.54 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on ELK-Desa Resources Bhd and its competitors. This is 17% below median its historical median of 0.65. Over the past decade, ELK-Desa Resources Bhd's Equity-to-Asset has ranged from 0.54 to 0.91. According to the industry distribution chart, ELK-Desa Resources Bhd ranks #209 out of 555 companies in the Credit Services industry, placing it in the top 37.7%.
Is ELK-Desa Resources Bhd's Equity-to-Asset too high?
ELK-Desa Resources Bhd's current Equity-to-Asset of 0.54 is 17% below median its 10-year median of 0.65. Over the past 10 years, this metric has ranged from a low of 0.54 to a high of 0.91. The Credit Services industry median Equity-to-Asset is 0.40. ELK-Desa Resources Bhd's value of 0.54 is 35% above this industry median. Based on the distribution chart, ELK-Desa Resources Bhd ranks #209 out of 555 companies in the Credit Services industry, which is above the industry midpoint. Overall, ELK-Desa Resources Bhd has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ELK-Desa Resources Bhd's Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, ELK-Desa Resources Bhd ranks #209 out of 555 companies for Equity-to-Asset. This puts ELK-Desa Resources Bhd in the upper half of its industry. The industry median Equity-to-Asset is 0.40. ELK-Desa Resources Bhd's value of 0.54 is 35% above this benchmark. Historically, ELK-Desa Resources Bhd's own Equity-to-Asset has ranged from 0.54 to 0.91 over the past decade. While the company's 10-year median is 0.65 vs. the industry median of 0.40, ELK-Desa Resources Bhd 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 Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 555 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. ELK-Desa Resources Bhd's current Equity-to-Asset of 0.54 is 35% 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 ELK-Desa Resources Bhd and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ELK-Desa Resources Bhd's current Equity-to-Asset is 0.54, which is 17% below median its own 10-year median of 0.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ELK-Desa Resources Bhd stock overvalued right now?
Based on GuruFocus' analysis, ELK-Desa Resources Bhd (XKLS:5228) is currently considered Modestly Undervalued. The stock's GF Value™ is RM1.33, compared to a current price of RM0.99 — trading 25.9% below its estimated fair value. The current Equity-to-Asset is 0.54, which is 17% below median its 10-year median of 0.65 and 35% above the Credit Services industry median of 0.40. ELK-Desa Resources Bhd's overall GF Score™ is 82/100 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 ELK-Desa Resources Bhd (XKLS:5228), the current Equity-to-Asset is 0.54 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 ELK-Desa Resources Bhd (XKLS:5228) Overvalued in 2026?
Based on GuruFocus' analysis, ELK-Desa Resources Bhd stock appears to be undervalued.
The current stock price of RM0.99 is trading 25.9% below its estimated GF Value™ of RM1.33.
GuruFocus considers ELK-Desa Resources Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5228:
Equity-to-Asset: 0.54 (17% below median its 10-year median of 0.65)
GF Value™: RM1.33 vs. price of RM0.99 (25.9% below fair value)
Industry Position: 35% above the Credit Services median (#209 of 555)
No single metric tells the full story. See the XKLS:5228 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ELK-Desa Resources Bhd is a Malaysian company investment holding company. The company's business segments are Hire-purchase financing and other integrated services and the Trading of furniture. The Hire-purchase financing and other integrated services segment is involved in the business of hire-purchase financing for used motor vehicles as well as selling general insurance policies as an insurance agent and the Trading of furniture segment is involved in the business of trading, export, wholesaling, and manufacturing of furniture. The company earns the majority of its revenue from hire-purchase financing.
82GF Score
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