BTV Vier Lander Bank AG (FRA:ZTY) Debt-to-Asset : 0.00 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

FRA:ZTY BTV Vier Lander Bank AG FRA:ZTY
61 GF Score
Price €81.00
GF Value €55.99
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is BTV Vier Lander Bank AG Debt-to-Asset?

BTV Vier Lander Bank AG FRA:ZTY 61 Debt-to-Asset is 0.00 as of Jun. 2026. GuruFocus rates FRA:ZTY with a GF Score™ of 61/100 and a GF Value™ of €55.99 (Significantly Overvalued). The stock has 6 warning signs investors should review.

BTV Vier Lander Bank AG's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €0.0 Mil. BTV Vier Lander Bank AG's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €49.9 Mil. BTV Vier Lander Bank AG's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was €16,269.6 Mil. BTV Vier Lander Bank AG's debt to asset for the quarter that ended in Jun. 2026 was 0.00.

BTV Vier Lander Bank AG  (FRA:ZTY) 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.

BTV Vier Lander Bank AG Debt-to-Asset Related Terms

BTV Vier Lander Bank AG Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for BTV Vier Lander Bank AG'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.

BTV Vier Lander Bank AG Debt-to-Asset Chart

BTV Vier Lander Bank AG 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 0.08 0.08 0.07 0.08 0.08

BTV Vier Lander Bank AG 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 0.00 0.00 0.08 0.00 0.00

FRA:ZTY vs USB, PNC: Debt-to-Asset Comparison

For the Banks - Regional subindustry, BTV Vier Lander Bank AG'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.

BTV Vier Lander Bank AG Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, BTV Vier Lander Bank AG's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where BTV Vier Lander Bank AG's Debt-to-Asset falls into.


FRA:ZTY
61GF Score
BTV Vier Lander Bank AG FRA:ZTY
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

BTV Vier Lander Bank AG Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

BTV Vier Lander Bank AG'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 + 1276.687) / 15912.619
=0.08

BTV Vier Lander Bank AG'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 + 49.901) / 16269.636
=0.00

* 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 0.00 mean?
BTV Vier Lander Bank AG (FRA:ZTY) has a Debt-to-Asset of 0.00 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on BTV Vier Lander Bank AG and its competitors.
Is BTV Vier Lander Bank AG's Debt-to-Asset too high?
BTV Vier Lander Bank AG's current Debt-to-Asset is 0.00. Overall, BTV Vier Lander Bank AG has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BTV Vier Lander Bank AG's Debt-to-Asset compare to USB and PNC?
BTV Vier Lander Bank AG's Debt-to-Asset of 0.00 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 BTV Vier Lander Bank AG and its competitors. BTV Vier Lander Bank AG's current Debt-to-Asset is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BTV Vier Lander Bank AG stock overvalued right now?
Based on GuruFocus' analysis, BTV Vier Lander Bank AG (FRA:ZTY) is currently considered Significantly Overvalued. The stock's GF Value™ is €55.99, compared to a current price of €81.00 — trading 44.7% above its estimated fair value. The current Debt-to-Asset is 0.00. BTV Vier Lander Bank AG's overall GF Score™ is 61/100 with 6 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 BTV Vier Lander Bank AG (FRA:ZTY), the current Debt-to-Asset is 0.00 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 BTV Vier Lander Bank AG (FRA:ZTY) Overvalued in 2026?

Based on GuruFocus' analysis, BTV Vier Lander Bank AG stock appears to be overvalued. The current stock price of €81.00 is trading 44.7% above its estimated GF Value™ of €55.99. GuruFocus considers BTV Vier Lander Bank AG to be Significantly Overvalued.

Key valuation signals for FRA:ZTY:

  • Debt-to-Asset: 0.00
  • GF Value™: €55.99 vs. price of €81.00 (44.7% above fair value)
  • GF Score™: 61/100 with 6 warning signs

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

BTV Vier Lander Bank AG Business Description

Other Exchanges ZTY:GermanyBTS:Austria
Address Stadtforum 1, Innsbruck, AUT, 6020
BTV Vier Lander Bank AG provides banking and financial products and services. It operates in Austria, Switzerland and Germany. It has corporate clients, retail clients, institutional clients and banks, leasing, and cable cars segments. The firm derives the majority of the revenues from the corporate client's segment.
61GF Score

Get the complete analysis for FRA:ZTY

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

€81.00
Price
€55.99
GF Value