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LivingTrust Mortgage BankNSA:LIVINGTRUST 62 Debt-to-Equity is 0.46 as of Dec. 2025, which is at its 10-year median of 0.46. GuruFocus rates NSA:LIVINGTRUST with a GF Score™ of 62/100 and a GF Value™ of ₦6.06 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,422 Banks companies, LivingTrust Mortgage Bank ranks better than 57.45% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for LivingTrust Mortgage Bank's Debt-to-Equity or its related term are showing as below:
NSA:LIVINGTRUST'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.05 Med: 0.46 Max: 0.76
Current: 0.46
During the past 9 years, the highest Debt-to-Equity Ratio of LivingTrust Mortgage Bank was 0.76. The lowest was 0.05. And the median was 0.46.
NSA:LIVINGTRUST's Debt-to-Equity is ranked better than 57.45% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs NSA:LIVINGTRUST: 0.46
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
LivingTrust Mortgage Bank Debt-to-Equity Related Terms
LivingTrust Mortgage Bank Debt-to-Equity Historical Data
* 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.
NSA:LIVINGTRUST vs RKT, FNMA, PFSI: Debt-to-Equity Comparison
For the Mortgage Finance subindustry, LivingTrust Mortgage Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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.
LivingTrust Mortgage Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, LivingTrust Mortgage Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where LivingTrust Mortgage Bank's Debt-to-Equity falls into.
* 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.
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) has a Debt-to-Equity of 0.46 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on LivingTrust Mortgage Bank and its competitors. This is near median its historical median of 0.46. Over the past decade, LivingTrust Mortgage Bank's Debt-to-Equity has ranged from 0.05 to 0.76. According to the industry distribution chart, LivingTrust Mortgage Bank ranks #605 out of 1422 companies in the Banks industry, placing it in the top 42.5%.
Is LivingTrust Mortgage Bank's Debt-to-Equity too high?
LivingTrust Mortgage Bank's current Debt-to-Equity of 0.46 is near median its 10-year median of 0.46. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.76. The Banks industry median Debt-to-Equity is 0.57. LivingTrust Mortgage Bank's value of 0.46 is 19.3% below this industry median. Based on the distribution chart, LivingTrust Mortgage Bank ranks #605 out of 1422 companies in the Banks industry, which is above the industry midpoint. Overall, LivingTrust Mortgage Bank has a GF Score™ of 62/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does LivingTrust Mortgage Bank's Debt-to-Equity compare to RKT and FNMA?
According to the Banks industry distribution chart, LivingTrust Mortgage Bank ranks #605 out of 1422 companies for Debt-to-Equity. This puts LivingTrust Mortgage Bank in the upper half of its industry. The industry median Debt-to-Equity is 0.57. LivingTrust Mortgage Bank's value of 0.46 is 19.3% below this benchmark. Historically, LivingTrust Mortgage Bank's own Debt-to-Equity has ranged from 0.05 to 0.76 over the past decade. While the company's 10-year median is 0.46 vs. the industry median of 0.57, LivingTrust Mortgage Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. LivingTrust Mortgage Bank's current Debt-to-Equity of 0.46 is 19.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on LivingTrust Mortgage Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LivingTrust Mortgage Bank's current Debt-to-Equity is 0.46, which is near median its own 10-year median of 0.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LivingTrust Mortgage Bank stock overvalued right now?
Based on GuruFocus' analysis, LivingTrust Mortgage Bank (NSA:LIVINGTRUST) is currently considered Significantly Undervalued. The stock's GF Value™ is ₦6.06, compared to a current price of ₦3.80 — trading 37.3% below its estimated fair value. The current Debt-to-Equity is 0.46, which is near median its 10-year median of 0.46 and 19.3% below the Banks industry median of 0.57. LivingTrust Mortgage Bank's overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For LivingTrust Mortgage Bank (NSA:LIVINGTRUST), the current Debt-to-Equity is 0.46 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.
Is LivingTrust Mortgage Bank (NSA:LIVINGTRUST) Overvalued in 2026?
Based on GuruFocus' analysis, LivingTrust Mortgage Bank stock appears to be undervalued.
The current stock price of ₦3.80 is trading 37.3% below its estimated GF Value™ of ₦6.06.
GuruFocus considers LivingTrust Mortgage Bank to be Significantly Undervalued.
Key valuation signals for NSA:LIVINGTRUST:
Debt-to-Equity: 0.46 (near median its 10-year median of 0.46)
GF Value™: ₦6.06 vs. price of ₦3.80 (37.3% below fair value)
Industry Position: 19.3% below the Banks median (#605 of 1422)
No single metric tells the full story. See the NSA:LIVINGTRUST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
LivingTrust Mortgage Bank PLC is a Nigerian mortgage banking institution, with its principal business being the provision of mortgage banking and related financial intermediation services. The Bank operates as a single reportable business segment focused on mortgage banking and construction finance in accordance with Central Bank of Nigeria guidelines. Its products include mortgages and loans, as well as other banking services. The Bank provides services to individual, group, and corporate customers, including mortgage loan origination, housing finance, and financial support for micro, small, and medium-sized enterprises as part of its financial inclusion mandate.
62GF Score
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