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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. LHV Group AS's Total Liabilities for the quarter that ended in Jun. 2026 was €8,893.8 Mil. LHV Group AS's Total Assets for the quarter that ended in Jun. 2026 was €9,652.0 Mil.
Therefore, LHV Group AS's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 was 0.92.
LHV Group AS (FRA:ASU0) 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.
LHV Group AS Liabilities-to-Assets Related Terms
LHV Group AS Liabilities-to-Assets Historical Data
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The historical data trend for LHV Group AS'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.
FRA:ASU0 vs PNC, USB: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, LHV Group AS'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.
LHV Group AS Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, LHV Group AS's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where LHV Group AS'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.
LHV Group AS'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.
LHV Group AS (FRA:ASU0) has a Liabilities-to-Assets of 0.92 as of Jun. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on LHV Group AS and its competitors.
Is LHV Group AS's Liabilities-to-Assets too high?
LHV Group AS's current Liabilities-to-Assets is 0.92. Overall, LHV Group AS has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does LHV Group AS's Liabilities-to-Assets compare to PNC and USB?
LHV Group AS's Liabilities-to-Assets of 0.92 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 LHV Group AS and its competitors. LHV Group AS's current Liabilities-to-Assets is 0.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LHV Group AS stock overvalued right now?
Based on GuruFocus' analysis, LHV Group AS (FRA:ASU0) is currently considered Fairly Valued. The stock's GF Value™ is €3.29, compared to a current price of €3.24 — trading 1.7% below its estimated fair value. The current Liabilities-to-Assets is 0.92. LHV Group AS's overall GF Score™ is 80/100 with 4 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 LHV Group AS (FRA:ASU0), the current Liabilities-to-Assets is 0.92 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 LHV Group AS (FRA:ASU0) Overvalued in 2026?
Based on GuruFocus' analysis, LHV Group AS stock appears to be undervalued.
The current stock price of €3.24 is trading 1.7% below its estimated GF Value™ of €3.29.
GuruFocus considers LHV Group AS to be Fairly Valued.
Key valuation signals for FRA:ASU0:
Liabilities-to-Assets: 0.92
GF Value™: €3.29 vs. price of €3.24 (1.7% below fair value)
No single metric tells the full story. See the FRA:ASU0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
LHV Group AS operates as a holding company. The Group provides a wide range of financial services, including banking, investment and asset management, insurance, and other financial services in Estonia and the United Kingdom. It operates through its subsidiaries: LHV Pank, LHV Bank, LHV Varahaldus, LHV Kindlustus, and Other. The LHV Pank segment, contributes the maximum share of the Group's revenue, includes retail and corporate banking services in Estonia, offering loans, payment solution, investment, and savings products. LHV Bank offers banking services to financial intermediaries and fintech companies, SME lending, and retail banking in the United Kingdom. LHV Varahaldus is engaged in pension fund and asset management. LHV Kindlustus offers a range of non-life insurance products.
80GF Score
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