Banca Sistema SpA (CHIX:BSTM) LT-Debt-to-Total-Asset: 0.04 (As of Mar. 2026)

What is Banca Sistema SpA LT-Debt-to-Total-Asset?

Banca Sistema SpA CHIX:BSTM 68 LT-Debt-to-Total-Asset is 0.04 as of Mar. 2026. GuruFocus rates CHIX:BSTM with a GF Score™ of 68/100 and a GF Value™ of €1.81. The stock has 2 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. Banca Sistema SpA's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.04.

Banca Sistema SpA's long-term debt to total assets ratio declined from Mar. 2025 (0.05) to Mar. 2026 (0.04). It may suggest that Banca Sistema SpA is progressively becoming less dependent on debt to grow their business.

Banca Sistema SpA (CHIX:BSTm) 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.

Banca Sistema SpA LT-Debt-to-Total-Asset Related Terms

Banca Sistema SpA LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Banca Sistema SpA'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.

Banca Sistema SpA LT-Debt-to-Total-Asset Chart

Banca Sistema SpA Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.07

0.09

0.07

0.06

Banca Sistema SpA 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															0.05	0.06	0.05	0.06	0.04

68GF Score

Banca Sistema SpA CHIX:BSTM

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Banca Sistema SpA LT-Debt-to-Total-Asset Calculation

Banca Sistema SpA'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 )
	=	265.316	/	4338.414
	=	0.06

Banca Sistema SpA'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 )
	=	182.28	/	4687.389
	=	0.04

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

What does a LT-Debt-to-Total-Asset of 0.04 mean?

Banca Sistema SpA (CHIX:BSTM) has a LT-Debt-to-Total-Asset of 0.04 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 Banca Sistema SpA and its competitors.

Is Banca Sistema SpA's LT-Debt-to-Total-Asset too high?

Banca Sistema SpA's current LT-Debt-to-Total-Asset is 0.04. Overall, Banca Sistema SpA has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.

How does Banca Sistema SpA's LT-Debt-to-Total-Asset compare to PNC and USB?

Banca Sistema SpA's LT-Debt-to-Total-Asset of 0.04 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 Banca Sistema SpA and its competitors. Banca Sistema SpA's current LT-Debt-to-Total-Asset is 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Banca Sistema SpA stock overvalued right now?

Banca Sistema SpA (CHIX:BSTM) has a current LT-Debt-to-Total-Asset of 0.04. The stock's GF Value™ is €1.81, compared to a current price of €1.60 — trading 11.4% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.04. Banca Sistema SpA's overall GF Score™ is 68/100 with 2 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 Banca Sistema SpA (CHIX:BSTM), the current LT-Debt-to-Total-Asset is 0.04 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 Banca Sistema SpA (CHIX:BSTM) Overvalued in 2026?

Based on GuruFocus' analysis, Banca Sistema SpA stock appears to be undervalued. The current stock price of €1.60 is trading 11.4% below its estimated GF Value™ of €1.81.

Key valuation signals for CHIX:BSTM:

LT-Debt-to-Total-Asset: 0.04
GF Value™: €1.81 vs. price of €1.60 (11.4% below fair value)
GF Score™: 68/100 with 2 warning signs

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

Banca Sistema SpA Business Description

Industry Financial Services Banks

Comparable Companies MIL:PRO SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN XMAD:CABK PNC USB BSP:ITUB3 SGX:O39 LSE:LLOY HKSE:01658 LSE:NWG TSE:7182

Other Exchanges BST:Italy 0R9H:UK B2S:Germany

Address Largo Augusto 1/A, At the corner of Via Verziere 13, Milan, ITA, 20122

Website https://www.bancasistema.it

Banca Sistema SpA provides factoring and banking services. It specializes in the acquisition, management, and financing of receivables. The firm's products and services comprise current accounts, time deposits, funding for SMEs, non-recourse factoring, credit management, and payment services. Segment reporting of the company includes the following divisions: Factoring Division includes business related to the origination of trade and tax receivables with and without recourse, and the management. Retail Division, which includes the business related to the purchase of salary- and pension-backed loans. Collateralized Lending Division includes the business related to collateral-backed loans. Corporate Division includes activities related to the management of the Group's financial resources.

68GF 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.

€1.60

Price

€1.81

GF Value

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