NLB Banka ad (XBLB:VBBB-R-A) Debt-to-Asset : 0.08 (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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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.

What is NLB Banka ad Debt-to-Asset?

NLB Banka ad XBLB:VBBB-R-A Debt-to-Asset is 0.08 as of Dec. 2025. The stock has 4 warning signs investors should review.

NLB Banka ad's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was BAM0.0 Mil. NLB Banka ad's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was BAM217.5 Mil. NLB Banka ad's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Dec. 2025 was BAM2,612.8 Mil. NLB Banka ad's debt to asset for the quarter that ended in Dec. 2025 was 0.08.

NLB Banka ad  (XBLB:VBBB-R-A) 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.

NLB Banka ad Debt-to-Asset Related Terms

NLB Banka ad Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for NLB Banka ad'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.

NLB Banka ad Debt-to-Asset Chart

NLB Banka ad 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 0.07 0.07 0.08 0.09 0.08

NLB Banka ad Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
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 0.08 0.08 0.09 0.08 0.08

NLB Banka ad Debt-to-Asset Competitor Comparison

For the Banks - Regional subindustry, NLB Banka ad'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.

NLB Banka ad Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, NLB Banka ad's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where NLB Banka ad's Debt-to-Asset falls into.


NLB Banka ad Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

NLB Banka ad'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 + 217.519) / 2612.808
=0.08

NLB Banka ad's Debt-to-Asset for the quarter 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 + 217.519) / 2612.808
=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?
NLB Banka ad (XBLB:VBBB-R-A) has a Debt-to-Asset of 0.08 as of Dec. 2025. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on NLB Banka ad and its competitors.
Is NLB Banka ad's Debt-to-Asset too high?
NLB Banka ad's current Debt-to-Asset is 0.08.
How does NLB Banka ad's Debt-to-Asset compare to competitors?
NLB Banka ad'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 NLB Banka ad and its competitors. NLB Banka ad'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 NLB Banka ad stock overvalued right now?
NLB Banka ad (XBLB:VBBB-R-A) has a current Debt-to-Asset of 0.08. The stock's GF Value™ is BAM2,109.54, compared to a current price of BAM6,000.00 — trading 184.4% above its estimated fair value. The current Debt-to-Asset is 0.08. 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 NLB Banka ad (XBLB:VBBB-R-A), the current Debt-to-Asset is 0.08 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.

NLB Banka ad Business Description

Address Milan Tepic 4, Banja Luka, BIH, 78000
NLB Banka ad is a banking service provider that operates in Bosnia and Herzegovina. The company is engaged in offering services like retail banking which include retail banking business with private individuals, corporate banking, and financial markets.