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Linea Directa AseguradoraXMAD:LDA +0.62%64 Equity-to-Asset is 0.29 as of Jun. 2026, which is 4% above its 10-year median of 0.28. GuruFocus rates XMAD:LDA with a GF Score™ of 64/100 and a GF Value™ of €1.29 (Fairly Valued). The stock has 1 warning sign investors should review. Among 508 Insurance companies, Linea Directa Aseguradora ranks better than 56.89% on this metric.
Linea Directa Aseguradora (XMAD:LDA) 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%.
Linea Directa Aseguradora Equity-to-Asset Related Terms
Linea Directa Aseguradora 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.
XMAD:LDA vs CB, PGR, TRV: Equity-to-Asset Comparison
For the Insurance - Property & Casualty subindustry, Linea Directa Aseguradora'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.
Linea Directa Aseguradora Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Linea Directa Aseguradora's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Linea Directa Aseguradora's Equity-to-Asset falls into.
Linea Directa Aseguradora 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.
Linea Directa Aseguradora'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.
Linea Directa Aseguradora (XMAD:LDA) has a Equity-to-Asset of 0.29 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Linea Directa Aseguradora and its competitors. This is near median its historical median of 0.28. Over the past decade, Linea Directa Aseguradora's Equity-to-Asset has ranged from 0.24 to 0.33. According to the industry distribution chart, Linea Directa Aseguradora ranks #219 out of 508 companies in the Insurance industry, placing it in the top 43.1%.
Is Linea Directa Aseguradora's Equity-to-Asset too high?
Linea Directa Aseguradora's current Equity-to-Asset of 0.29 is near median its 10-year median of 0.28. Over the past 10 years, this metric has ranged from a low of 0.24 to a high of 0.33. The Insurance industry median Equity-to-Asset is 0.26. Linea Directa Aseguradora's value of 0.29 is 11.5% above this industry median. Based on the distribution chart, Linea Directa Aseguradora ranks #219 out of 508 companies in the Insurance industry, which is above the industry midpoint. Overall, Linea Directa Aseguradora has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Linea Directa Aseguradora's Equity-to-Asset compare to CB and PGR?
According to the Insurance industry distribution chart, Linea Directa Aseguradora ranks #219 out of 508 companies for Equity-to-Asset. This puts Linea Directa Aseguradora in the upper half of its industry. The industry median Equity-to-Asset is 0.26. Linea Directa Aseguradora's value of 0.29 is 11.5% above this benchmark. Historically, Linea Directa Aseguradora's own Equity-to-Asset has ranged from 0.24 to 0.33 over the past decade. While the company's 10-year median is 0.28 vs. the industry median of 0.26, Linea Directa Aseguradora 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 an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 508 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. Linea Directa Aseguradora's current Equity-to-Asset of 0.29 is 11.5% 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 Linea Directa Aseguradora and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Linea Directa Aseguradora's current Equity-to-Asset is 0.29, which is near median its own 10-year median of 0.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Linea Directa Aseguradora stock overvalued right now?
Based on GuruFocus' analysis, Linea Directa Aseguradora (XMAD:LDA) is currently considered Fairly Valued. The stock's GF Value™ is €1.29, compared to a current price of €1.29 — trading right at its estimated fair value. The current Equity-to-Asset is 0.29, which is near median its 10-year median of 0.28 and 11.5% above the Insurance industry median of 0.26. Linea Directa Aseguradora's overall GF Score™ is 64/100 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 Linea Directa Aseguradora (XMAD:LDA), the current Equity-to-Asset is 0.29 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 Linea Directa Aseguradora (XMAD:LDA) Overvalued in 2026?
Based on GuruFocus' analysis, Linea Directa Aseguradora stock appears to be undervalued.
The current stock price of €1.29 is trading 0% below its estimated GF Value™ of €1.29.
GuruFocus considers Linea Directa Aseguradora to be Fairly Valued.
Key valuation signals for XMAD:LDA:
Equity-to-Asset: 0.29 (near median its 10-year median of 0.28)
GF Value™: €1.29 vs. price of €1.29 (0% below fair value)
Industry Position: 11.5% above the Insurance median (#219 of 508)
No single metric tells the full story. See the XMAD:LDA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Linea Directa Aseguradora SA is engaged in insurance and reinsurance activities in the motor, home, and other non-life segments. The company has five operating segments; The motor segment which derives maximum revenue, includes private motor insurance and motorbike insurance, The home segment includes multi-risk home insurance products with theft damage, civil liability, fire damage, aesthetic damage, etc, The health segment includes health insurance products under the Vivaz brand, The other insurance segment includes various products with stand-alone policies that are not linked to motor, home or health insurance, such as travel insurance for holders of credit cards and wellness insurance, and The other activities segment mainly relates to auxiliary insurance businesses, and commissions.
64GF Score
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