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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. Standard Chartered Bank Ghana's Total Liabilities for the quarter that ended in Mar. 2026 was GHS14,277 Mil. Standard Chartered Bank Ghana's Total Assets for the quarter that ended in Mar. 2026 was GHS17,284 Mil.
Therefore, Standard Chartered Bank Ghana's Liabilities-to-Assets Ratio for the quarter that ended in Mar. 2026 was 0.83.
Standard Chartered Bank Ghana (XGHA:SCB) 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.
Standard Chartered Bank Ghana Liabilities-to-Assets Related Terms
Standard Chartered Bank Ghana Liabilities-to-Assets 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.
Standard Chartered Bank Ghana Liabilities-to-Assets Chart
For the Banks - Regional subindustry, Standard Chartered Bank Ghana'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.
Standard Chartered Bank Ghana Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Standard Chartered Bank Ghana's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Standard Chartered Bank Ghana's Liabilities-to-Assets falls into.
Standard Chartered Bank Ghana 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.
Standard Chartered Bank Ghana'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.
Standard Chartered Bank Ghana (XGHA:SCB) has a Liabilities-to-Assets of 0.83 as of Mar. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Standard Chartered Bank Ghana and its competitors.
Is Standard Chartered Bank Ghana's Liabilities-to-Assets too high?
Standard Chartered Bank Ghana's current Liabilities-to-Assets is 0.83. Overall, Standard Chartered Bank Ghana has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Chartered Bank Ghana's Liabilities-to-Assets compare to PNC?
Standard Chartered Bank Ghana's Liabilities-to-Assets of 0.83 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 Standard Chartered Bank Ghana and its competitors. Standard Chartered Bank Ghana's current Liabilities-to-Assets is 0.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Chartered Bank Ghana stock overvalued right now?
Based on GuruFocus' analysis, Standard Chartered Bank Ghana (XGHA:SCB) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS36.89, compared to a current price of GHS70.00 — trading 89.8% above its estimated fair value. The current Liabilities-to-Assets is 0.83. Standard Chartered Bank Ghana's overall GF Score™ is 71/100 with 1 warning sign 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 Standard Chartered Bank Ghana (XGHA:SCB), the current Liabilities-to-Assets is 0.83 as of Mar. 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 Standard Chartered Bank Ghana (XGHA:SCB) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Chartered Bank Ghana stock appears to be overvalued.
The current stock price of GHS70.00 is trading 89.8% above its estimated GF Value™ of GHS36.89.
GuruFocus considers Standard Chartered Bank Ghana to be Significantly Overvalued.
Key valuation signals for XGHA:SCB:
Liabilities-to-Assets: 0.83
GF Value™: GHS36.89 vs. price of GHS70.00 (89.8% above fair value)
No single metric tells the full story. See the XGHA:SCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Standard Chartered Bank Ghana PLC is a banking corporation registered in Ghana. It provides various banking services including personal banking, private banking, and business banking. The company manages its business into three segments namely, Corporate & Investment Banking, Wealth & Retail Banking, Ventures and Central & Other Items. The company's services include savings, loans, mortgages, credit cards, insurance, and investment opportunities for individual customers. It focuses on offering financial solutions to small-medium enterprises, corporates, and financial institutions. Geographically, it operates in Hong Kong, Korea, China, Singapore, UK, and U.S.
71GF Score
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