Emirates NBD PJSC (DFM:EMIRATESNBD) LT-Debt-to-Total-Asset: 0.08 (As of Mar. 2026)

What is Emirates NBD PJSC LT-Debt-to-Total-Asset?

Emirates NBD PJSC DFM:EMIRATESNBD +1.46% 69 LT-Debt-to-Total-Asset is 0.08 as of Mar. 2026. GuruFocus rates DFM:EMIRATESNBD with a GF Score™ of 69/100 and a GF Value™ of د.إ24.33 (Modestly Overvalued). The stock has 3 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. Emirates NBD PJSC's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.08.

Emirates NBD PJSC's long-term debt to total assets ratio declined from Mar. 2025 (0.08) to Mar. 2026 (0.08). It may suggest that Emirates NBD PJSC is progressively becoming less dependent on debt to grow their business.

Emirates NBD PJSC (DFM:EMIRATESNBD) 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.

Emirates NBD PJSC LT-Debt-to-Total-Asset Related Terms

Emirates NBD PJSC LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Emirates NBD PJSC'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.

Emirates NBD PJSC LT-Debt-to-Total-Asset Chart

Emirates NBD PJSC Annual Data

Trend

Dec16

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Dec20

Dec21

Dec22

Dec23

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Dec25

LT-Debt-to-Total-Asset

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0.10

0.08

Emirates NBD PJSC 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															0.08	0.08	0.08	0.08	0.08

69GF Score

Emirates NBD PJSC DFM:EMIRATESNBD

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Emirates NBD PJSC LT-Debt-to-Total-Asset Calculation

Emirates NBD PJSC'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 )
	=	90287	/	1164442
	=	0.08

Emirates NBD PJSC'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 )
	=	94228	/	1216751
	=	0.08

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

What does a LT-Debt-to-Total-Asset of 0.08 mean?

Emirates NBD PJSC (DFM:EMIRATESNBD) has a LT-Debt-to-Total-Asset of 0.08 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 Emirates NBD PJSC and its competitors.

Is Emirates NBD PJSC's LT-Debt-to-Total-Asset too high?

Emirates NBD PJSC's current LT-Debt-to-Total-Asset is 0.08. Overall, Emirates NBD PJSC has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Emirates NBD PJSC's LT-Debt-to-Total-Asset compare to competitors?

Emirates NBD PJSC's LT-Debt-to-Total-Asset of 0.08 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 Emirates NBD PJSC and its competitors. Emirates NBD PJSC's current LT-Debt-to-Total-Asset is 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Emirates NBD PJSC stock overvalued right now?

Based on GuruFocus' analysis, Emirates NBD PJSC (DFM:EMIRATESNBD) is currently considered Modestly Overvalued. The stock's GF Value™ is د.إ24.33, compared to a current price of د.إ30.64 — trading 25.9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.08. Emirates NBD PJSC's overall GF Score™ is 69/100 with 3 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 Emirates NBD PJSC (DFM:EMIRATESNBD), the current LT-Debt-to-Total-Asset is 0.08 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 Emirates NBD PJSC (DFM:EMIRATESNBD) Overvalued in 2026?

Based on GuruFocus' analysis, Emirates NBD PJSC stock appears to be overvalued. The current stock price of د.إ30.64 is trading 25.9% above its estimated GF Value™ of د.إ24.33. GuruFocus considers Emirates NBD PJSC to be Modestly Overvalued.

Key valuation signals for DFM:EMIRATESNBD:

LT-Debt-to-Total-Asset: 0.08
GF Value™: د.إ24.33 vs. price of د.إ30.64 (25.9% above fair value)
GF Score™: 69/100 with 3 warning signs

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

Emirates NBD PJSC Business Description

Industry Financial Services Banks

Comparable Companies ADX:ADCB ADX:ADIB DFM:DIB DFM:MASQ DFM:CBD ADX:RAKBANK ADX:NBF ADX:SIB ADX:INB ADX:NBQ SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address Baniyas Road, P.O. Box 777, Deira, Dubai, ARE

Website https://www.emiratesnbd.com

Emirates NBD PJSC provides banking services. The company's operating segment includes Corporate and Institutional Banking; Retail Banking and Wealth Management; Global Markets and Treasury activities; DenizBank and others. It generates maximum revenue from the Retail Banking and Wealth Management segment. The Retail Banking and Wealth Management segment represents retail loans and deposits, private banking and wealth management, equity broking services, asset management, and consumer financing in the UAE and Egypt.

69GF 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.

د.إ30.64

Price

د.إ24.33

GF Value

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