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Union Internationale de Banques (XTUN:UIB) 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%.
Union Internationale de Banques Equity-to-Asset Related Terms
Union Internationale de Banques 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.
Union Internationale de Banques Equity-to-Asset Chart
For the Banks - Regional subindustry, Union Internationale de Banques'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.
Union Internationale de Banques Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Union Internationale de Banques's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Union Internationale de Banques's Equity-to-Asset falls into.
Union Internationale de Banques 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.
Union Internationale de Banques (XTUN:UIB) has a Equity-to-Asset of 0.13 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Union Internationale de Banques and its competitors. This is 18% above median its historical median of 0.11. Over the past decade, Union Internationale de Banques' Equity-to-Asset has ranged from 0.09 to 0.13. According to the industry distribution chart, Union Internationale de Banques ranks #331 out of 1522 companies in the Banks industry, placing it in the top 21.7%.
Is Union Internationale de Banques' Equity-to-Asset too high?
Union Internationale de Banques' current Equity-to-Asset of 0.13 is 18% above median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.13. The Banks industry median Equity-to-Asset is 0.10. Union Internationale de Banques' value of 0.13 is 30% above this industry median. Based on the distribution chart, Union Internationale de Banques ranks #331 out of 1522 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Union Internationale de Banques has a GF Score™ of 84/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Union Internationale de Banques' Equity-to-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Union Internationale de Banques ranks #331 out of 1522 companies for Equity-to-Asset. This places Union Internationale de Banques in the top 22% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Union Internationale de Banques' value of 0.13 is 30% above this benchmark. Historically, Union Internationale de Banques' own Equity-to-Asset has ranged from 0.09 to 0.13 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.10, Union Internationale de Banques 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 1,522 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. Union Internationale de Banques's current Equity-to-Asset of 0.13 is 30% 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 Union Internationale de Banques 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. Union Internationale de Banques's current Equity-to-Asset is 0.13, which is 18% above median its own 10-year median of 0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Internationale de Banques stock overvalued right now?
Based on GuruFocus' analysis, Union Internationale de Banques (XTUN:UIB) is currently considered Significantly Overvalued. The stock's GF Value™ is TND24.83, compared to a current price of TND35.00 — trading 41% above its estimated fair value. The current Equity-to-Asset is 0.13, which is 18% above median its 10-year median of 0.11 and 30% above the Banks industry median of 0.10. Union Internationale de Banques' overall GF Score™ is 84/100 with 5 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 Union Internationale de Banques (XTUN:UIB), the current Equity-to-Asset is 0.13 as of Dec. 2025. 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 Union Internationale de Banques (XTUN:UIB) Overvalued in 2026?
Based on GuruFocus' analysis, Union Internationale de Banques stock appears to be overvalued.
The current stock price of TND35.00 is trading 41% above its estimated GF Value™ of TND24.83.
GuruFocus considers Union Internationale de Banques to be Significantly Overvalued.
Key valuation signals for XTUN:UIB:
Equity-to-Asset: 0.13 (18% above median its 10-year median of 0.11)
GF Value™: TND24.83 vs. price of TND35.00 (41% above fair value)
Industry Position: 30% above the Banks median (#331 of 1522)
No single metric tells the full story. See the XTUN:UIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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