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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. Loyal Solutions AS's Total Liabilities for the quarter that ended in Jun. 2026 was kr77.86 Mil. Loyal Solutions AS's Total Assets for the quarter that ended in Jun. 2026 was kr38.27 Mil.
Therefore, Loyal Solutions AS's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 was 2.03.
Loyal Solutions AS (OSTO:LOYAL) 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.
Loyal Solutions AS Liabilities-to-Assets Related Terms
Loyal Solutions AS Liabilities-to-Assets Historical Data
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The historical data trend for Loyal Solutions 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.
OSTO:LOYAL vs CRM, SHOP, UBER: Liabilities-to-Assets Comparison
For the Software - Application subindustry, Loyal Solutions 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.
Loyal Solutions AS Liabilities-to-Assets vs Software Industry
For the Software industry and Technology sector, Loyal Solutions AS's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Loyal Solutions AS's Liabilities-to-Assets falls into.
Loyal Solutions AS 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.
Loyal Solutions AS's Liabilities-to-Assets Ratio for the fiscal year that ended in Jun. 2026 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.
Loyal Solutions AS (OSTO:LOYAL) has a Liabilities-to-Assets of 2.03 as of Jun. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Loyal Solutions AS and its competitors.
Is Loyal Solutions AS's Liabilities-to-Assets too high?
Loyal Solutions AS's current Liabilities-to-Assets is 2.03. Overall, Loyal Solutions AS has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Loyal Solutions AS's Liabilities-to-Assets compare to CRM and SHOP?
Loyal Solutions AS's Liabilities-to-Assets of 2.03 can be compared against companies in the Software 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 Software company?
A good Liabilities-to-Assets depends on the Software 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 Loyal Solutions AS and its competitors. Loyal Solutions AS's current Liabilities-to-Assets is 2.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Loyal Solutions AS stock overvalued right now?
Based on GuruFocus' analysis, Loyal Solutions AS (OSTO:LOYAL) is currently considered Possible Value Trap. The stock's GF Value™ is kr11.29, compared to a current price of kr7.82 — trading 30.7% below its estimated fair value. The current Liabilities-to-Assets is 2.03. Loyal Solutions AS's overall GF Score™ is 58/100 with 6 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 Loyal Solutions AS (OSTO:LOYAL), the current Liabilities-to-Assets is 2.03 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 Loyal Solutions AS (OSTO:LOYAL) Overvalued in 2026?
Based on GuruFocus' analysis, Loyal Solutions AS stock appears to be undervalued.
The current stock price of kr7.82 is trading 30.7% below its estimated GF Value™ of kr11.29.
GuruFocus considers Loyal Solutions AS to be Possible Value Trap.
Key valuation signals for OSTO:LOYAL:
Liabilities-to-Assets: 2.03
GF Value™: kr11.29 vs. price of kr7.82 (30.7% below fair value)
No single metric tells the full story. See the OSTO:LOYAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Loyal Solutions A/S is a software-as-a-service company. The company is engaged in the development and implementation of bespoke loyalty schemes that enhance customer retention and brand engagement. Their core business revolves around creating loyalty solution platforms that provide customer engagement programs across industries such as airlines, financial services, malls, hospitality, telecom, and media. LoyalTfacts is its proprietary SaaS end-to-end platform.
58GF Score
Get the complete analysis for OSTO:LOYAL
Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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