RM (CHIX:RML) LT-Debt-to-Total-Asset: 0.48 (As of Nov. 2025)


CHIX:RML RM PLC CHIX:RML
46 GF Score
Price £0.92
GF Value £0.75
Valuation Modestly Overvalued
! 4 Warning Signs
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What is RM LT-Debt-to-Total-Asset?

RM CHIX:RML -1.07% 46 LT-Debt-to-Total-Asset is 0.48 as of Nov. 2025. GuruFocus rates CHIX:RML with a GF Score™ of 46/100 and a GF Value™ of £0.75 (Modestly Overvalued). 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. RM's long-term debt to total assests ratio for the quarter that ended in Nov. 2025 was 0.48.

RM's long-term debt to total assets ratio declined from Nov. 2024 (0.49) to Nov. 2025 (0.48). It may suggest that RM is progressively becoming less dependent on debt to grow their business.

RM  (CHIX:RMl) 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.

RM LT-Debt-to-Total-Asset Related Terms

RM LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for RM'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.

RM LT-Debt-to-Total-Asset Chart

RM Annual Data
Trend Nov16 Nov17 Nov18 Nov19 Nov20 Nov21 Nov22 Nov23 Nov24 Nov25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.18 0.08 0.49 0.49 0.48

RM Semi-Annual Data
May16 Nov16 May17 Nov17 May18 Nov18 May19 Nov19 May20 Nov20 May21 Nov21 May22 Nov22 May23 Nov23 May24 Nov24 May25 Nov25
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 0.49 0.50 0.49 0.53 0.48
CHIX:RML
46GF Score
RM PLC CHIX:RML
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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RM LT-Debt-to-Total-Asset Calculation

RM's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Nov. 2025 is calculated as

LT Debt to Total Assets (A: Nov. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Nov. 2025 )/Total Assets (A: Nov. 2025 )
=70.135/145.114
=0.48

RM's Long-Term Debt to Total Asset Ratio for the quarter that ended in Nov. 2025 is calculated as

LT Debt to Total Assets (Q: Nov. 2025 )=Long-Term Debt & Capital Lease Obligation (Q: Nov. 2025 )/Total Assets (Q: Nov. 2025 )
=70.135/145.114
=0.48

* 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 0.48 mean?
RM (CHIX:RML) has a LT-Debt-to-Total-Asset of 0.48 as of Nov. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on RM and its competitors.
Is RM's LT-Debt-to-Total-Asset too high?
RM's current LT-Debt-to-Total-Asset is 0.48. Overall, RM has a GF Score™ of 46/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does RM's LT-Debt-to-Total-Asset compare to UBER and SHOP?
RM's LT-Debt-to-Total-Asset of 0.48 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 RM and its competitors. RM's current LT-Debt-to-Total-Asset is 0.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is RM stock overvalued right now?
Based on GuruFocus' analysis, RM (CHIX:RML) is currently considered Modestly Overvalued. The stock's GF Value™ is £0.75, compared to a current price of £0.92 — trading 22.8% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.48. RM's overall GF Score™ is 46/100 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 RM (CHIX:RML), the current LT-Debt-to-Total-Asset is 0.48 as of Nov. 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 RM (CHIX:RML) Overvalued in 2026?

Based on GuruFocus' analysis, RM stock appears to be overvalued. The current stock price of £0.92 is trading 22.8% above its estimated GF Value™ of £0.75. GuruFocus considers RM to be Modestly Overvalued.

Key valuation signals for CHIX:RML:

  • LT-Debt-to-Total-Asset: 0.48
  • GF Value™: £0.75 vs. price of £0.92 (22.8% above fair value)
  • GF Score™: 46/100 with 4 warning signs

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

RM Business Description

Other Exchanges RM.:UK
Address 142B Park Drive, Milton Park, Milton, Abingdon, Oxfordshire, GBR, OX14 4SE
RM PLC supplies products, services, and solutions to the UK and international education markets. Its activities include the supply of products and software licences, rendering of services, and delivery of its own platform solutions, along with digital assessment and exam marking solutions, IT managed services and connectivity packages, and curriculum-aligned learning resources. The Group is structured into three operating divisions: RM TTS, RM Assessment, and RM Technology. It operates in the UK, Europe, North America, Asia, the Middle East, and the rest of the world, with the majority of revenue coming from the UK and the RM TTS segment.
46GF Score

Get the complete analysis for CHIX:RML

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

£0.92
Price
£0.75
GF Value