AL Sydbank AS (FRA:TM2) Debt-to-Asset : 0.08 (As of Jun. 2026)

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FRA:TM2 AL Sydbank AS FRA:TM2
74 GF Score
Price €89.50
GF Value €56.13
Valuation Significantly Overvalued
! 8 Warning Signs
View Full Analysis

What is AL Sydbank AS Debt-to-Asset?

AL Sydbank AS FRA:TM2 +0.79% 74 Debt-to-Asset is 0.08 as of Jun. 2026. GuruFocus rates FRA:TM2 with a GF Score™ of 74/100 and a GF Value™ of €56.13 (Significantly Overvalued). The stock has 8 warning signs investors should review.

AL Sydbank AS's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €0 Mil. AL Sydbank AS's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €3,887 Mil. AL Sydbank AS's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was €48,280 Mil. AL Sydbank AS's debt to asset for the quarter that ended in Jun. 2026 was 0.08.

AL Sydbank AS  (FRA:TM2) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

AL Sydbank AS Debt-to-Asset Related Terms

AL Sydbank AS Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for AL Sydbank AS's Debt-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.

AL Sydbank AS Debt-to-Asset Chart

AL Sydbank AS Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.09 0.08 0.07 0.07 0.07

AL Sydbank AS Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.07 0.09 0.07 0.07 0.08

AL Sydbank AS Debt-to-Asset Competitor Comparison

For the Banks - Regional subindustry, AL Sydbank AS's Debt-to-Asset, along with its competitors' market caps and Debt-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.

AL Sydbank AS Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, AL Sydbank AS's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where AL Sydbank AS's Debt-to-Asset falls into.


FRA:TM2
74GF Score
AL Sydbank AS FRA:TM2
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

AL Sydbank AS Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

AL Sydbank AS's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 3339.067) / 45783.472
=0.07

AL Sydbank AS's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 3887.096) / 48279.967
=0.08

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.08 mean?
AL Sydbank AS (FRA:TM2) has a Debt-to-Asset of 0.08 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on AL Sydbank AS and its competitors.
Is AL Sydbank AS's Debt-to-Asset too high?
AL Sydbank AS's current Debt-to-Asset is 0.08. Overall, AL Sydbank AS has a GF Score™ of 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AL Sydbank AS's Debt-to-Asset compare to competitors?
AL Sydbank AS's Debt-to-Asset of 0.08 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 Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on AL Sydbank AS and its competitors. AL Sydbank AS's current Debt-to-Asset is 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AL Sydbank AS stock overvalued right now?
Based on GuruFocus' analysis, AL Sydbank AS (FRA:TM2) is currently considered Significantly Overvalued. The stock's GF Value™ is €56.13, compared to a current price of €89.50 — trading 59.5% above its estimated fair value. The current Debt-to-Asset is 0.08. AL Sydbank AS's overall GF Score™ is 74/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For AL Sydbank AS (FRA:TM2), the current Debt-to-Asset is 0.08 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 AL Sydbank AS (FRA:TM2) Overvalued in 2026?

Based on GuruFocus' analysis, AL Sydbank AS stock appears to be overvalued. The current stock price of €89.50 is trading 59.5% above its estimated GF Value™ of €56.13. GuruFocus considers AL Sydbank AS to be Significantly Overvalued.

Key valuation signals for FRA:TM2:

  • Debt-to-Asset: 0.08
  • GF Value™: €56.13 vs. price of €89.50 (59.5% above fair value)
  • GF Score™: 74/100 with 8 warning signs

No single metric tells the full story. See the FRA:TM2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

AL Sydbank AS Business Description

Address Peberlyk 4, Aabenraa, DNK, 6200
AL Sydbank A/S is a Danish bank operating in Denmark and with some exposure to Northern Germany. The bank operates through five business segments: Banking, Asset Management, Sydbank Markets, Treasury, and Others. The bank provides various banking and financial advisory services such as mortgage credit, retail banking, investment banking, corporate banking, international banking, and asset management. A vast majority of Sydbank's net revenue is derived from its banking segment, which includes net interest and fee income from retail and corporate clients. The company earns the majority of its revenue in Denmark.
74GF Score

Get the complete analysis for FRA:TM2

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€89.50
Price
€56.13
GF Value