Al Baraka Bank Egypt (CAI:SAUD) LT-Debt-to-Total-Asset: 0.03 (As of Mar. 2026)

What is Al Baraka Bank Egypt LT-Debt-to-Total-Asset?

Al Baraka Bank Egypt CAI:SAUD +1.28% 75 LT-Debt-to-Total-Asset is 0.03 as of Mar. 2026. GuruFocus rates CAI:SAUD with a GF Score™ of 75/100 and a GF Value™ of E£18.43 (Modestly Overvalued). The stock has 1 warning sign 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. Al Baraka Bank Egypt's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.03.

Al Baraka Bank Egypt's long-term debt to total assets ratio declined from Mar. 2025 (0.04) to Mar. 2026 (0.03). It may suggest that Al Baraka Bank Egypt is progressively becoming less dependent on debt to grow their business.

Al Baraka Bank Egypt (CAI:SAUD) 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.

Al Baraka Bank Egypt LT-Debt-to-Total-Asset Related Terms

Al Baraka Bank Egypt LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Al Baraka Bank Egypt'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.

Al Baraka Bank Egypt LT-Debt-to-Total-Asset Chart

Al Baraka Bank Egypt Annual Data

Trend

Dec16

Dec17

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Dec20

Dec21

Dec22

Dec23

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Dec25

LT-Debt-to-Total-Asset

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0.01

0.02

0.04

0.03

Al Baraka Bank Egypt 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															0.04	0.03	0.03	0.03	0.03

75GF Score

Al Baraka Bank Egypt CAI:SAUD

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Al Baraka Bank Egypt LT-Debt-to-Total-Asset Calculation

Al Baraka Bank Egypt'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 )
	=	4264.497	/	146049.381
	=	0.03

Al Baraka Bank Egypt'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 )
	=	4722.58	/	152669.293
	=	0.03

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

What does a LT-Debt-to-Total-Asset of 0.03 mean?

Al Baraka Bank Egypt (CAI:SAUD) has a LT-Debt-to-Total-Asset of 0.03 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 Al Baraka Bank Egypt and its competitors.

Is Al Baraka Bank Egypt's LT-Debt-to-Total-Asset too high?

Al Baraka Bank Egypt's current LT-Debt-to-Total-Asset is 0.03. Overall, Al Baraka Bank Egypt has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Al Baraka Bank Egypt's LT-Debt-to-Total-Asset compare to PNC and USB?

Al Baraka Bank Egypt's LT-Debt-to-Total-Asset of 0.03 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 Al Baraka Bank Egypt and its competitors. Al Baraka Bank Egypt's current LT-Debt-to-Total-Asset is 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Al Baraka Bank Egypt stock overvalued right now?

Based on GuruFocus' analysis, Al Baraka Bank Egypt (CAI:SAUD) is currently considered Modestly Overvalued. The stock's GF Value™ is E£18.43, compared to a current price of E£21.36 — trading 15.9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.03. Al Baraka Bank Egypt's overall GF Score™ is 75/100 with 1 warning sign 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 Al Baraka Bank Egypt (CAI:SAUD), the current LT-Debt-to-Total-Asset is 0.03 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 Al Baraka Bank Egypt (CAI:SAUD) Overvalued in 2026?

Based on GuruFocus' analysis, Al Baraka Bank Egypt stock appears to be overvalued. The current stock price of E£21.36 is trading 15.9% above its estimated GF Value™ of E£18.43. GuruFocus considers Al Baraka Bank Egypt to be Modestly Overvalued.

Key valuation signals for CAI:SAUD:

LT-Debt-to-Total-Asset: 0.03
GF Value™: E£18.43 vs. price of E£21.36 (15.9% above fair value)
GF Score™: 75/100 with 1 warning sign

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

Al Baraka Bank Egypt Business Description

Industry Financial Services Banks

Comparable Companies CAI:UBEE CAI:EGBE CAI:EXPA CAI:FAIT CAI:CIEB CAI:CANA CAI:ADIB SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN XMAD:CABK PNC USB

Address Road 90, P.O. Box 84, City Center, First Sector, Plot 29, 5th Settlement, New Cairo, EGY, 11834

Website https://www.albaraka.com.eg

Al Baraka Bank Egypt is a Sharia-compliant banking institution operating across Egypt, offering a comprehensive range of Islamic retail and corporate banking services. The Bank's operations are structured into two main business lines, corporate banking and retail banking, supported by a central corporate center responsible for funding and non-core activities such as the dealing room and proprietary operations. Its products and services include financing and credit facilities such as Musharaka and Mudaraba, as well as retail credit cards, personal financing, mortgages, savings products, debt instruments, and mutual funds.

75GF 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.

E£21.36

Price

E£18.43

GF Value

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