Austriacard Holdings AG (ATH:ACAG) LT-Debt-to-Total-Asset: 0.28 (As of Dec. 2025)


ATH:ACAG Austriacard Holdings AG ATH:ACAG
88 GF Score
Price €9.75
GF Value €6.05
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Austriacard Holdings AG LT-Debt-to-Total-Asset?

Austriacard Holdings AG ATH:ACAG 88 LT-Debt-to-Total-Asset is 0.28 as of Dec. 2025. GuruFocus rates ATH:ACAG with a GF Score™ of 88/100 and a GF Value™ of €6.05 (Significantly Overvalued). The stock has 6 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. Austriacard Holdings AG's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.28.

Austriacard Holdings AG's long-term debt to total assets ratio declined from Dec. 2024 (0.31) to Dec. 2025 (0.28). It may suggest that Austriacard Holdings AG is progressively becoming less dependent on debt to grow their business.

Austriacard Holdings AG  (ATH:ACAG) 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.

Austriacard Holdings AG LT-Debt-to-Total-Asset Related Terms

Austriacard Holdings AG LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Austriacard Holdings 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.

Austriacard Holdings AG LT-Debt-to-Total-Asset Chart

Austriacard Holdings AG Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial 0.34 0.26 0.32 0.31 0.28

Austriacard Holdings AG Quarterly Data
Dec19 Dec20 Dec21 Jun22 Dec22 Jun23 Dec23 Mar24 Jun24 Dec24 Mar25 Jun25 Sep25 Dec25
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 0.31 0.31 0.31 0.29 0.28
ATH:ACAG
88GF Score
Austriacard Holdings AG ATH:ACAG
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Austriacard Holdings AG LT-Debt-to-Total-Asset Calculation

Austriacard Holdings AG'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 )
=91.117/327.764
=0.28

Austriacard Holdings AG's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )/Total Assets (Q: Dec. 2025 )
=91.117/327.764
=0.28

* 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 0.28 mean?
Austriacard Holdings AG (ATH:ACAG) has a LT-Debt-to-Total-Asset of 0.28 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Austriacard Holdings AG and its competitors.
Is Austriacard Holdings AG's LT-Debt-to-Total-Asset too high?
Austriacard Holdings AG's current LT-Debt-to-Total-Asset is 0.28. Overall, Austriacard Holdings AG has a GF Score™ of 88/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Austriacard Holdings AG's LT-Debt-to-Total-Asset compare to IBM and ACN?
Austriacard Holdings AG's LT-Debt-to-Total-Asset of 0.28 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 LT-Debt-to-Total-Asset for a Software company?
A good LT-Debt-to-Total-Asset depends on the Software 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 Austriacard Holdings AG and its competitors. Austriacard Holdings AG's current LT-Debt-to-Total-Asset is 0.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Austriacard Holdings AG stock overvalued right now?
Based on GuruFocus' analysis, Austriacard Holdings AG (ATH:ACAG) is currently considered Significantly Overvalued. The stock's GF Value™ is €6.05, compared to a current price of €9.75 — trading 61.2% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.28. Austriacard Holdings AG's overall GF Score™ is 88/100 with 6 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 Austriacard Holdings AG (ATH:ACAG), the current LT-Debt-to-Total-Asset is 0.28 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.

Is Austriacard Holdings AG (ATH:ACAG) Overvalued in 2026?

Based on GuruFocus' analysis, Austriacard Holdings AG stock appears to be overvalued. The current stock price of €9.75 is trading 61.2% above its estimated GF Value™ of €6.05. GuruFocus considers Austriacard Holdings AG to be Significantly Overvalued.

Key valuation signals for ATH:ACAG:

  • LT-Debt-to-Total-Asset: 0.28
  • GF Value™: €6.05 vs. price of €9.75 (61.2% above fair value)
  • GF Score™: 88/100 with 6 warning signs

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

Austriacard Holdings AG Business Description

Other Exchanges ACQ0:GermanyACAG:Austria
Address Lamezanstrasse 4-8, Vienna, AUT, 1230
Austriacard Holdings AG is a holistic applied technology company powered by artificial intelligence (AI). The Group's portfolio includes a wide range of solutions that demonstrate synergies across product lines. These include Identity & Payment Solutions, Digital Technologies, and Document Lifecycle Management. These solutions are offered to financial institutions, public and private sectors. The Group is now organized into three geographic segments: Central, Eastern Europe and DACH (CEE); Western Europe, Nordics and Americas (WEST); and Turkiye, Middle East and Africa (MEA). It derives maximum revenue from Central, Eastern Europe and DACH (CEE) segment. The solutions include: Payment Cards & Services, eGovernment & Authentication, Document Lifecycle Management, Book on Demand and Others.
88GF Score

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

€9.75
Price
€6.05
GF Value