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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Finbond Group's Total Liabilities for the quarter that ended in Feb. 2026 was R3,927 Mil. Finbond Group's Total Assets for the quarter that ended in Feb. 2026 was R4,410 Mil.
Therefore, Finbond Group's Liabilities-to-Assets Ratio for the quarter that ended in Feb. 2026 was 0.89.
Finbond Group (JSE:FGL) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Finbond Group Liabilities-to-Assets Related Terms
Finbond Group Liabilities-to-Assets Historical Data
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The historical data trend for Finbond Group's Liabilities-to-Assets 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.
JSE:FGL vs RKT, FNMA, PFSI: Liabilities-to-Assets Comparison
For the Mortgage Finance subindustry, Finbond Group's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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.
Finbond Group Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Finbond Group's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Finbond Group's Liabilities-to-Assets falls into.
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Finbond Group's Liabilities-to-Assets Ratio for the fiscal year that ended in Feb. 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.
Finbond Group (JSE:FGL) has a Liabilities-to-Assets of 0.89 as of Feb. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Finbond Group and its competitors.
Is Finbond Group's Liabilities-to-Assets too high?
Finbond Group's current Liabilities-to-Assets is 0.89. Overall, Finbond Group has a GF Score™ of 31/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Finbond Group's Liabilities-to-Assets compare to RKT and FNMA?
Finbond Group's Liabilities-to-Assets of 0.89 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Finbond Group and its competitors. Finbond Group's current Liabilities-to-Assets is 0.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finbond Group stock overvalued right now?
Based on GuruFocus' analysis, Finbond Group (JSE:FGL) is currently considered Modestly Undervalued. The stock's GF Value™ is R0.95, compared to a current price of R0.85 — trading 10.5% below its estimated fair value. The current Liabilities-to-Assets is 0.89. Finbond Group's overall GF Score™ is 31/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Finbond Group (JSE:FGL), the current Liabilities-to-Assets is 0.89 as of Feb. 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 Finbond Group (JSE:FGL) Overvalued in 2026?
Based on GuruFocus' analysis, Finbond Group stock appears to be undervalued.
The current stock price of R0.85 is trading 10.5% below its estimated GF Value™ of R0.95.
GuruFocus considers Finbond Group to be Modestly Undervalued.
Key valuation signals for JSE:FGL:
Liabilities-to-Assets: 0.89
GF Value™: R0.95 vs. price of R0.85 (10.5% below fair value)
No single metric tells the full story. See the JSE:FGL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Finbond Group Ltd is a financial services institution that is engaged in the design and delivery of value and solution-based savings, credit, and insurance solutions tailored to depositor and borrower requirements. The company's business segments are Deposit and Debt Finance Products, Lending, Property investment, and Transactional banking, and Others. It derives key revenue from the Lending segment. Company opertes in USA, South Africa, and Canada, with majority of revenue from USA.
31GF Score
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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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