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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. AIB Group's Total Liabilities for the quarter that ended in Dec. 2025 was $156,276 Mil. AIB Group's Total Assets for the quarter that ended in Dec. 2025 was $173,479 Mil.
Therefore, AIB Group's Liabilities-to-Assets Ratio for the quarter that ended in Dec. 2025 was 0.90.
AIB Group (OTCPK:AIBRF) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
AIB Group Liabilities-to-Assets Related Terms
AIB Group Liabilities-to-Assets Historical Data
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The historical data trend for AIB Group's Liabilities-to-Assets 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.
AIBRF vs PNC, USB: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, AIB Group's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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.
AIB Group Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, AIB Group's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where AIB Group's Liabilities-to-Assets falls into.
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
AIB Group's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
* 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.
AIB Group (AIBRF) has a Liabilities-to-Assets of 0.90 as of Dec. 2025. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on AIB Group and its competitors.
Is AIB Group's Liabilities-to-Assets too high?
AIB Group's current Liabilities-to-Assets is 0.90. Overall, AIB Group has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AIB Group's Liabilities-to-Assets compare to PNC and USB?
AIB Group's Liabilities-to-Assets of 0.90 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 Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on AIB Group and its competitors. AIB Group's current Liabilities-to-Assets is 0.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIB Group stock overvalued right now?
Based on GuruFocus' analysis, AIB Group (AIBRF) is currently considered Significantly Overvalued. The stock's GF Value™ is $7.10, compared to a current price of $12.26 — trading 72.7% above its estimated fair value. The current Liabilities-to-Assets is 0.90. AIB Group's overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For AIB Group (AIBRF), the current Liabilities-to-Assets is 0.90 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 AIB Group (AIBRF) Overvalued in 2026?
Based on GuruFocus' analysis, AIB Group stock appears to be overvalued.
The current stock price of $12.26 is trading 72.7% above its estimated GF Value™ of $7.10.
GuruFocus considers AIB Group to be Significantly Overvalued.
Key valuation signals for AIBRF:
Liabilities-to-Assets: 0.90
GF Value™: $7.10 vs. price of $12.26 (72.7% above fair value)
No single metric tells the full story. See the AIBRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AIB Group PLC is a banking services company. The company's operating segments are Retail Banking, Capital Markets, AIB UK, Climate & Infrastructure Capital (C&IC), and Group. It generates maximum revenue from the Retail Banking segment. The Retail Banking segment provides products and services through branch, digital, and phone banking channels. It focuses on delivering a seamless and transparent customer experience across all channels, while supporting the development of sustainable businesses within local communities. Geographically, it derives a majority of revenue from Ireland and also has a presence in the United Kingdom and the Rest of the World.
69GF Score
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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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