CAL Bank (XGHA:CAL) Debt-to-Asset : 0.07 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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What is CAL Bank Debt-to-Asset?

CAL Bank XGHA:CAL +2.74% Debt-to-Asset is 0.07 as of Jun. 2026. The stock has 5 warning signs investors should review.

CAL Bank's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was GHS0 Mil. CAL Bank's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was GHS909 Mil. CAL Bank's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was GHS13,981 Mil. CAL Bank's debt to asset for the quarter that ended in Jun. 2026 was 0.07.

CAL Bank  (XGHA:CAL) 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.

CAL Bank Debt-to-Asset Related Terms

CAL Bank Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for CAL Bank'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.

CAL Bank Debt-to-Asset Chart

CAL Bank 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 0.23 0.18 0.14 0.14 0.09

CAL Bank 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 0.15 0.13 0.09 0.07 0.07

CAL Bank Debt-to-Asset Competitor Comparison

For the Banks - Regional subindustry, CAL Bank'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.

CAL Bank Debt-to-Asset vs Banks Industry

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

* The bar in red indicates where CAL Bank's Debt-to-Asset falls into.


CAL Bank Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

CAL Bank'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 + 1073.026) / 11926.719
=0.09

CAL Bank'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 + 908.965) / 13980.781
=0.07

* 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 0.07 mean?
CAL Bank (XGHA:CAL) has a Debt-to-Asset of 0.07 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on CAL Bank and its competitors.
Is CAL Bank's Debt-to-Asset too high?
CAL Bank's current Debt-to-Asset is 0.07.
How does CAL Bank's Debt-to-Asset compare to competitors?
CAL Bank's Debt-to-Asset of 0.07 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 CAL Bank and its competitors. CAL Bank's current Debt-to-Asset is 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CAL Bank stock overvalued right now?
CAL Bank (XGHA:CAL) has a current Debt-to-Asset of 0.07. The current Debt-to-Asset is 0.07. 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 CAL Bank (XGHA:CAL), the current Debt-to-Asset is 0.07 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.

CAL Bank Business Description

Address 23 Independence Avenue, P.O. Box 14596, Accra, GHA
CAL Bank Ltd is mainly engaged in providing banking solutions in Ghana. Its reportable segments are: Corporate Banking, Consumer & Commercial Banking, Treasury, and Asset Management. Maximum revenue is derived from the Treasury segment, which undertakes the Bank's funding and centralised risk management activities. The Corporate Banking segment offers loans, deposits, and other services to corporate clients, institutional clients, and public sector entities; the Consumer & Commercial Banking segment provides traditional banking and other financial services such as funds transfer, standing orders, and ATM card service to small and medium enterprises, and individual customers; and the Asset Management segment offers asset and portfolio management and investment advisory services.