Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
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. Penske Automotive Group's Total Liabilities for the quarter that ended in Jun. 2026 was $12,652 Mil. Penske Automotive Group's Total Assets for the quarter that ended in Jun. 2026 was $18,485 Mil.
Therefore, Penske Automotive Group's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 was 0.68.
Penske Automotive Group (NYSE:PAG) 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.
Penske Automotive Group Liabilities-to-Assets Related Terms
Penske Automotive Group Liabilities-to-Assets Historical Data
* Premium members only.
The historical data trend for Penske Automotive 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.
Penske Automotive Group Liabilities-to-Assets Chart
PAG vs KMX, ALTB, LAD: Liabilities-to-Assets Comparison
For the Auto & Truck Dealerships subindustry, Penske Automotive 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.
Penske Automotive Group Liabilities-to-Assets vs Vehicles & Parts Industry
For the Vehicles & Parts industry and Consumer Cyclical sector, Penske Automotive Group's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Penske Automotive Group's Liabilities-to-Assets falls into.
Penske Automotive Group Liabilities-to-Assets Calculation
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.
Penske Automotive Group's Liabilities-to-Assets 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.
Penske Automotive Group (PAG) has a Liabilities-to-Assets of 0.68 as of Jun. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Penske Automotive Group and its competitors.
Is Penske Automotive Group's Liabilities-to-Assets too high?
Penske Automotive Group's current Liabilities-to-Assets is 0.68. Overall, Penske Automotive Group has a GF Score™ of 85/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Penske Automotive Group's Liabilities-to-Assets compare to KMX and ALTB?
Penske Automotive Group's Liabilities-to-Assets of 0.68 can be compared against companies in the Vehicles & Parts 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 Vehicles & Parts company?
A good Liabilities-to-Assets depends on the Vehicles & Parts 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 Penske Automotive Group and its competitors. Penske Automotive Group's current Liabilities-to-Assets is 0.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Penske Automotive Group stock overvalued right now?
Based on GuruFocus' analysis, Penske Automotive Group (PAG) is currently considered Modestly Overvalued. The stock's GF Value™ is $171.07, compared to a current price of $216.87 — trading 26.8% above its estimated fair value. The current Liabilities-to-Assets is 0.68. Penske Automotive Group's overall GF Score™ is 85/100 with 9 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 Penske Automotive Group (PAG), the current Liabilities-to-Assets is 0.68 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 Penske Automotive Group (PAG) Overvalued in 2026?
Based on GuruFocus' analysis, Penske Automotive Group stock appears to be overvalued.
The current stock price of $216.87 is trading 26.8% above its estimated GF Value™ of $171.07.
GuruFocus considers Penske Automotive Group to be Modestly Overvalued.
Key valuation signals for PAG:
Liabilities-to-Assets: 0.68
GF Value™: $171.07 vs. price of $216.87 (26.8% above fair value)
No single metric tells the full story. See the PAG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Penske Automotive Group operates in 19 US states and overseas. It has about 150 US and Puerto Rico light-vehicle stores as well as 217 franchised dealerships overseas, primarily in the United Kingdom but also in Australia, Germany, Italy, and Japan. The company is the third-largest US publicly traded dealership in terms of light-vehicle revenue and sells more than 40 brands, with over 90% of retail automotive revenue coming from luxury and import names. Other segments are service and finance and insurance. The firm's Premier Truck Group owns 45 truck dealerships selling mostly Freightliner and Western Star brands, and Penske owns 15 used-vehicle stores, mostly in the US and UK under the CarShop (US) and Sytner Select (UK) brands. Penske is based in Bloomfield Hills, Michigan.
85GF Score
Get the complete analysis for PAG
Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PAG has been successfully added to your 
