AABKF (Aareal Bank AG) LT-Debt-to-Total-Asset: 0.02 (As of Sep. 2025)

What is Aareal Bank AG LT-Debt-to-Total-Asset?

Aareal Bank AG AABKF 20 LT-Debt-to-Total-Asset is 0.02 as of Sep. 2025. GuruFocus rates AABKF with a GF Score™ of 20/100 and a GF Value™ of $35.41. The stock has 3 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Aareal Bank AG's long-term debt to total assests ratio for the quarter that ended in Sep. 2025 was 0.02.

Aareal Bank AG's long-term debt to total assets ratio increased from Sep. 2024 (0.01) to Sep. 2025 (0.02). It may suggest that Aareal Bank AG is progressively becoming more dependent on debt to grow their business.

Aareal Bank AG (OTCPK:AABKF) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Aareal Bank AG LT-Debt-to-Total-Asset Related Terms

Aareal Bank AG LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Aareal Bank AG's LT-Debt-to-Total-Asset 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.

Aareal Bank AG LT-Debt-to-Total-Asset Chart

Aareal Bank AG Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

LT-Debt-to-Total-Asset

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0.64

0.57

0.58

0.57

Aareal Bank AG Quarterly Data
	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.01	0.57	0.02	0.60	0.02

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Aareal Bank AG AABKF

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Aareal Bank AG LT-Debt-to-Total-Asset Calculation

Aareal Bank AG's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2024 is calculated as

LT Debt to Total Assets (A: Dec. 2024 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2024 )	/	Total Assets (A: Dec. 2024 )
	=	28491.099	/	50067.016
	=	0.57

Aareal Bank AG's Long-Term Debt to Total Asset Ratio for the quarter that ended in Sep. 2025 is calculated as

LT Debt to Total Assets (Q: Sep. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Sep. 2025 )	/	Total Assets (Q: Sep. 2025 )
	=	879.108	/	55634.977
	=	0.02

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.02 mean?

Aareal Bank AG (AABKF) has a LT-Debt-to-Total-Asset of 0.02 as of Sep. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Aareal Bank AG and its competitors.

Is Aareal Bank AG's LT-Debt-to-Total-Asset too high?

Aareal Bank AG's current LT-Debt-to-Total-Asset is 0.02. Overall, Aareal Bank AG has a GF Score™ of 20/100, reflecting its overall financial health beyond just this single metric.

How does Aareal Bank AG's LT-Debt-to-Total-Asset compare to PNC and USB?

Aareal Bank AG's LT-Debt-to-Total-Asset of 0.02 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Aareal Bank AG and its competitors. Aareal Bank AG's current LT-Debt-to-Total-Asset is 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Aareal Bank AG stock overvalued right now?

Aareal Bank AG (AABKF) has a current LT-Debt-to-Total-Asset of 0.02. The stock's GF Value™ is $35.41, compared to a current price of $31.99 — trading 9.7% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. Aareal Bank AG's overall GF Score™ is 20/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Aareal Bank AG (AABKF), the current LT-Debt-to-Total-Asset is 0.02 as of Sep. 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 Aareal Bank AG (AABKF) Overvalued in 2026?

Based on GuruFocus' analysis, Aareal Bank AG stock appears to be undervalued. The current stock price of $31.99 is trading 9.7% below its estimated GF Value™ of $35.41.

Key valuation signals for AABKF:

LT-Debt-to-Total-Asset: 0.02
GF Value™: $35.41 vs. price of $31.99 (9.7% below fair value)
GF Score™: 20/100 with 3 warning signs

No single metric tells the full story. See the AABKF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Aareal Bank AG Business Description

Industry Financial Services Banks

Comparable Companies XTER:QB7 XTER:MBK NSE:HDFCBANK SHSE:600036 NSE:ICICIBANK NSE:SBIN SAU:1120 XPAR:BNP ISX:BBCA SGX:D05 MIL:ISP PNC USB MIL:UCG HKSE:01658 TFC NU SAU:1180 BSP:ITUB3 TSE:8411

Address Paulinenstrasse 15, Wiesbaden, HE, DEU, 65189

Website https://www.aareal-bank.com

Aareal Bank AG is the parent company of the Aareal Bank Group, an international purveyor of financing services that specializes in commercial property financing. The group's companies are organized into two business segments: Structured Property Financing and Banking & Digital Solutions. In the Structured property financing segment, the group facilitates property investments for its domestic and international clients, and is active in Europe, North America, and the Asia/Pacific region. The banking & digital solutions segment provides sector-specific payments processes to its clients from the institutional housing industry, the commercial property sector, as well as to the energy and utilities industry. The majority of the bank's new financing opportunities take place in Western Europe.

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$31.99

Price

$35.41

GF Value

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