Kuznetsky Bank PJSC (MIC:KUZB) Liabilities-to-Assets : 0.88 (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
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 Kuznetsky Bank PJSC Liabilities-to-Assets?

Kuznetsky Bank PJSC MIC:KUZB +0.97% Liabilities-to-Assets is 0.88 as of Dec. 2025.

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. Kuznetsky Bank PJSC's Total Liabilities for the quarter that ended in Dec. 2025 was ₽8,959.1 Mil. Kuznetsky Bank PJSC's Total Assets for the quarter that ended in Dec. 2025 was ₽10,242.0 Mil. Therefore, Kuznetsky Bank PJSC's Liabilities-to-Assets Ratio for the quarter that ended in Dec. 2025 was 0.88.

Kuznetsky Bank PJSC  (MIC:KUZB) 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.

Kuznetsky Bank PJSC Liabilities-to-Assets Related Terms

Kuznetsky Bank PJSC Liabilities-to-Assets Historical Data

* Premium members only.

The historical data trend for Kuznetsky Bank PJSC'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.

Kuznetsky Bank PJSC Liabilities-to-Assets Chart

Kuznetsky Bank PJSC Annual Data
Trend Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec19 Dec25
Liabilities-to-Assets
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.89 0.87 0.88 0.91 0.88

Kuznetsky Bank PJSC Semi-Annual Data
Jun17 Dec17 Jun18 Dec19 Jun20 Jun25 Dec25
Liabilities-to-Assets Get a 7-Day Free Trial 0.88 0.91 0.91 0.87 0.88

Kuznetsky Bank PJSC Liabilities-to-Assets Competitor Comparison

For the Banks - Regional subindustry, Kuznetsky Bank PJSC'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.

Kuznetsky Bank PJSC Liabilities-to-Assets vs Banks Industry

For the Banks industry and Financial Services sector, Kuznetsky Bank PJSC's Liabilities-to-Assets distribution charts can be found below:

* The bar in red indicates where Kuznetsky Bank PJSC's Liabilities-to-Assets falls into.


Kuznetsky Bank PJSC Liabilities-to-Assets Calculation

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.

Kuznetsky Bank PJSC's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:

Liabilities-to-Assets (A: Dec. 2025 )=Total Liabilities/Total Assets
=8959.08/10241.984
=0.87

Kuznetsky Bank PJSC's Liabilities-to-Assets Ratio for the quarter that ended in Dec. 2025 is calculated as

Liabilities-to-Assets (Q: Dec. 2025 )=Total Liabilities/Total Assets
=8959.08/10241.984
=0.87

* 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 Liabilities-to-Assets →
What does a Liabilities-to-Assets of 0.88 mean?
Kuznetsky Bank PJSC (MIC:KUZB) has a Liabilities-to-Assets of 0.88 as of Dec. 2025. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Kuznetsky Bank PJSC and its competitors.
Is Kuznetsky Bank PJSC's Liabilities-to-Assets too high?
Kuznetsky Bank PJSC's current Liabilities-to-Assets is 0.88.
How does Kuznetsky Bank PJSC's Liabilities-to-Assets compare to competitors?
Kuznetsky Bank PJSC's Liabilities-to-Assets of 0.88 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 Kuznetsky Bank PJSC and its competitors. Kuznetsky Bank PJSC's current Liabilities-to-Assets is 0.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kuznetsky Bank PJSC stock overvalued right now?
Kuznetsky Bank PJSC (MIC:KUZB) has a current Liabilities-to-Assets of 0.88. The current Liabilities-to-Assets is 0.88. 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 Kuznetsky Bank PJSC (MIC:KUZB), the current Liabilities-to-Assets is 0.88 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.

Kuznetsky Bank PJSC Business Description

Address ul. Red, 104, Penza, RUS, 440000
Kuznetsky Bank PJSC is a financial and credit institution. It provides its clients with various banking products. Some of its services are consumer lending, cash management services, production of plastic cards, rental of safe deposit boxes among others.