Abu Dhabi Commercial Bank (ADX:ADCB) LT-Debt-to-Total-Asset: 0.07 (As of Mar. 2026)

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ADX:ADCB Abu Dhabi Commercial Bank ADX:ADCB
61 GF Score
Price د.إ14.44
GF Value د.إ13.62
Valuation Fairly Valued
! 4 Warning Signs
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What is Abu Dhabi Commercial Bank LT-Debt-to-Total-Asset?

Abu Dhabi Commercial Bank ADX:ADCB +1.55% 61 LT-Debt-to-Total-Asset is 0.07 as of Mar. 2026. GuruFocus rates ADX:ADCB with a GF Score™ of 61/100 and a GF Value™ of د.إ13.62 (Fairly Valued). The stock has 4 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. Abu Dhabi Commercial Bank's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.07.

Abu Dhabi Commercial Bank's long-term debt to total assets ratio declined from Mar. 2025 (0.09) to Mar. 2026 (0.07). It may suggest that Abu Dhabi Commercial Bank is progressively becoming less dependent on debt to grow their business.

Abu Dhabi Commercial Bank  (ADX:ADCB) 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.

Abu Dhabi Commercial Bank LT-Debt-to-Total-Asset Related Terms

Abu Dhabi Commercial Bank LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Abu Dhabi Commercial Bank'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.

Abu Dhabi Commercial Bank LT-Debt-to-Total-Asset Chart

Abu Dhabi Commercial Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.13 0.10 0.09 0.08 0.07

Abu Dhabi Commercial Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.09 0.09 0.08 0.07 0.07
ADX:ADCB
61GF Score
Abu Dhabi Commercial Bank ADX:ADCB
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Abu Dhabi Commercial Bank LT-Debt-to-Total-Asset Calculation

Abu Dhabi Commercial Bank's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=57018/773654
=0.07

Abu Dhabi Commercial Bank's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=55049/808857
=0.07

* 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 LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.07 mean?
Abu Dhabi Commercial Bank (ADX:ADCB) has a LT-Debt-to-Total-Asset of 0.07 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Abu Dhabi Commercial Bank and its competitors.
Is Abu Dhabi Commercial Bank's LT-Debt-to-Total-Asset too high?
Abu Dhabi Commercial Bank's current LT-Debt-to-Total-Asset is 0.07. Overall, Abu Dhabi Commercial Bank has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi Commercial Bank's LT-Debt-to-Total-Asset compare to competitors?
Abu Dhabi Commercial Bank's LT-Debt-to-Total-Asset of 0.07 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 Abu Dhabi Commercial Bank and its competitors. Abu Dhabi Commercial Bank's current LT-Debt-to-Total-Asset is 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abu Dhabi Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi Commercial Bank (ADX:ADCB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ13.62, compared to a current price of د.إ14.44 — trading 6% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.07. Abu Dhabi Commercial Bank's overall GF Score™ is 61/100 with 4 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 Abu Dhabi Commercial Bank (ADX:ADCB), the current LT-Debt-to-Total-Asset is 0.07 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 Abu Dhabi Commercial Bank (ADX:ADCB) Overvalued in 2026?

Based on GuruFocus' analysis, Abu Dhabi Commercial Bank stock appears to be overvalued. The current stock price of د.إ14.44 is trading 6% above its estimated GF Value™ of د.إ13.62. GuruFocus considers Abu Dhabi Commercial Bank to be Fairly Valued.

Key valuation signals for ADX:ADCB:

  • LT-Debt-to-Total-Asset: 0.07
  • GF Value™: د.إ13.62 vs. price of د.إ14.44 (6% above fair value)
  • GF Score™: 61/100 with 4 warning signs

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

Abu Dhabi Commercial Bank Business Description

Address Sheikh Zayed Bin Sultan Street, Head Office Building, Plot C- 33, Sector E-11, P. O. Box 939, Abu Dhabi, ARE
Abu Dhabi Commercial Bank is principally engaged in the business of retail, commercial and Islamic banking, and provision of other financial services. Its segments include Retail banking, Private banking, Corporate and investment banking, Investments and treasury, and Others. The majority of the revenue is derived from Corporate and investment banking segment that comprises of business banking, cash management, trade finance, corporate finance, small and medium enterprise financing, investment banking, Islamic financing, infrastructure and asset finance, government and public enterprises. It includes loans, deposits and other transactions and balances with corporate customers.
61GF Score

Get the complete analysis for ADX:ADCB

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ14.44
Price
د.إ13.62
GF Value