BAWAY (Bawag Group AG) LT-Debt-to-Total-Asset: 0.25 (As of Dec. 2025)

What is Bawag Group AG LT-Debt-to-Total-Asset?

Bawag Group AG BAWAY -0.63% 56 LT-Debt-to-Total-Asset is 0.25 as of Dec. 2025. GuruFocus rates BAWAY with a GF Score™ of 56/100 and a GF Value™ of $31.24 (Significantly Overvalued). The stock has 5 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. Bawag Group AG's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.25.

Bawag Group AG's long-term debt to total assets ratio declined from Jun. 2024 (0.27) to Dec. 2025 (0.25). It may suggest that Bawag Group AG is progressively becoming less dependent on debt to grow their business.

Bawag Group AG (OTCPK:BAWAY) 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.

Bawag Group AG LT-Debt-to-Total-Asset Related Terms

Bawag Group AG LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Bawag Group 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.

Bawag Group AG LT-Debt-to-Total-Asset Chart

Bawag Group AG Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.14

0.18

0.25

Bawag Group AG Quarterly Data
	Mar18	Jun18	Sep18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.25	0.24	0.00	0.25	0.00

56GF Score

Bawag Group AG BAWAY

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Bawag Group AG LT-Debt-to-Total-Asset Calculation

Bawag Group 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 )
	=	20778.689	/	84656.909
	=	0.25

Bawag Group 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 )
	=	20778.689	/	84656.909
	=	0.25

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

What does a LT-Debt-to-Total-Asset of 0.25 mean?

Bawag Group AG (BAWAY) has a LT-Debt-to-Total-Asset of 0.25 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 Bawag Group AG and its competitors.

Is Bawag Group AG's LT-Debt-to-Total-Asset too high?

Bawag Group AG's current LT-Debt-to-Total-Asset is 0.25. Overall, Bawag Group AG has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Bawag Group AG's LT-Debt-to-Total-Asset compare to PNC?

Bawag Group AG's LT-Debt-to-Total-Asset of 0.25 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 Bawag Group AG and its competitors. Bawag Group AG's current LT-Debt-to-Total-Asset is 0.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Bawag Group AG stock overvalued right now?

Based on GuruFocus' analysis, Bawag Group AG (BAWAY) is currently considered Significantly Overvalued. The stock's GF Value™ is $31.24, compared to a current price of $48.69 — trading 55.9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.25. Bawag Group AG's overall GF Score™ is 56/100 with 5 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 Bawag Group AG (BAWAY), the current LT-Debt-to-Total-Asset is 0.25 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 Bawag Group AG (BAWAY) Overvalued in 2026?

Based on GuruFocus' analysis, Bawag Group AG stock appears to be overvalued. The current stock price of $48.69 is trading 55.9% above its estimated GF Value™ of $31.24. GuruFocus considers Bawag Group AG to be Significantly Overvalued.

Key valuation signals for BAWAY:

LT-Debt-to-Total-Asset: 0.25
GF Value™: $31.24 vs. price of $48.69 (55.9% above fair value)
GF Score™: 56/100 with 5 warning signs

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

Bawag Group AG Business Description

Industry Financial Services Banks

Comparable Companies WBO:RBI WBO:OBS WBO:BTS WBO:BKS WBO:ADKO WBO:WPB WBO:EBS SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK NSE:SBIN PNC BSP:ITUB3

Other Exchanges BWAGF:USA 1BGA:Italy 0RVE:UK BGv:UK 0B2:Germany BG:Austria

Address Wiedner Gurtel 11, Vienna, AUT, 1100

Website https://www.bawaggroup.com

Bawag Group AG provides banking and financial products and services. The company serves retail, small business, and corporate customers offering comprehensive savings, payment, lending, leasing, investment, building society, and insurance products and services through various online and offline channels. The operating business segments of the company are Retail & SME, Corporates, Real Estate & Public Sector, Treasury and Corporate Center. The majority of the company's revenue is derived from the Retail& SME segment.

56GF Score

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$48.69

Price

$31.24

GF Value

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