United Finance (DHA:UNITEDFIN) LT-Debt-to-Total-Asset: 0.07 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

DHA:UNITEDFIN United Finance PLC DHA:UNITEDFIN
64 GF Score
Price BDT16.40
GF Value BDT12.93
Valuation Modestly Overvalued
! 8 Warning Signs
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What is United Finance LT-Debt-to-Total-Asset?

United Finance DHA:UNITEDFIN +0.61% 64 LT-Debt-to-Total-Asset is 0.07 as of Mar. 2026. GuruFocus rates DHA:UNITEDFIN with a GF Score™ of 64/100 and a GF Value™ of BDT12.93 (Modestly Overvalued). The stock has 8 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. United Finance's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.07.

United Finance's long-term debt to total assets ratio increased from Mar. 2025 (0.07) to Mar. 2026 (0.07). It may suggest that United Finance is progressively becoming more dependent on debt to grow their business.

United Finance  (DHA:UNITEDFIN) 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.

United Finance LT-Debt-to-Total-Asset Related Terms

United Finance LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for United Finance'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.

United Finance LT-Debt-to-Total-Asset Chart

United Finance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.10 0.07 0.07 0.10 0.11

United Finance 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 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 0.07 0.07 0.08 0.11 0.07
DHA:UNITEDFIN
64GF Score
United Finance PLC DHA:UNITEDFIN
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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United Finance LT-Debt-to-Total-Asset Calculation

United Finance'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 )
=3244.964/29388.067
=0.11

United Finance'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 )
=2076.05/29075.8
=0.07

* 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 0.07 mean?
United Finance (DHA:UNITEDFIN) has a LT-Debt-to-Total-Asset of 0.07 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 United Finance and its competitors.
Is United Finance's LT-Debt-to-Total-Asset too high?
United Finance's current LT-Debt-to-Total-Asset is 0.07. Overall, United Finance has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Finance's LT-Debt-to-Total-Asset compare to V and MA?
United Finance's LT-Debt-to-Total-Asset of 0.07 can be compared against companies in the Credit Services 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 Credit Services company?
A good LT-Debt-to-Total-Asset depends on the Credit Services 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 United Finance and its competitors. United Finance's current LT-Debt-to-Total-Asset is 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Finance stock overvalued right now?
Based on GuruFocus' analysis, United Finance (DHA:UNITEDFIN) is currently considered Modestly Overvalued. The stock's GF Value™ is BDT12.93, compared to a current price of BDT16.40 — trading 26.8% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.07. United Finance's overall GF Score™ is 64/100 with 8 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 United Finance (DHA:UNITEDFIN), the current LT-Debt-to-Total-Asset is 0.07 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 United Finance (DHA:UNITEDFIN) Overvalued in 2026?

Based on GuruFocus' analysis, United Finance stock appears to be overvalued. The current stock price of BDT16.40 is trading 26.8% above its estimated GF Value™ of BDT12.93. GuruFocus considers United Finance to be Modestly Overvalued.

Key valuation signals for DHA:UNITEDFIN:

  • LT-Debt-to-Total-Asset: 0.07
  • GF Value™: BDT12.93 vs. price of BDT16.40 (26.8% above fair value)
  • GF Score™: 64/100 with 8 warning signs

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

United Finance Business Description

Address 22 Kazi Nazrul Islam Avenue, Camellia House, Dhaka, BGD, 1000
United Finance PLC is a financial services company. The company provides financial services which includes lease finance for acquiring assets for industrial and commercial use; term loans for meeting long-term funding requirements; short-term working capital solutions and home loans. The company provides services like Deposits, Working Capital and Term Financing. It is engaged in five segments: Corporates, SMEs, Retail Borrowers, Depositors, and Investors.
64GF Score

Get the complete analysis for DHA:UNITEDFIN

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

BDT16.40
Price
BDT12.93
GF Value