Bank of Zhengzhou Co (FRA:3BZ) LT-Debt-to-Total-Asset: 0.15 (As of Dec. 2025)

What is Bank of Zhengzhou Co LT-Debt-to-Total-Asset?

Bank of Zhengzhou Co FRA:3BZ +1.12% 34 LT-Debt-to-Total-Asset is 0.15 as of Dec. 2025. GuruFocus rates FRA:3BZ with a GF Score™ of 34/100 and a GF Value™ of €0.07. The stock has 6 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. Bank of Zhengzhou Co's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.15.

Bank of Zhengzhou Co's long-term debt to total assets ratio increased from Sep. 2024 (0.14) to Dec. 2025 (0.15). It may suggest that Bank of Zhengzhou Co is progressively becoming more dependent on debt to grow their business.

Bank of Zhengzhou Co (FRA:3BZ) 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.

Bank of Zhengzhou Co LT-Debt-to-Total-Asset Related Terms

Bank of Zhengzhou Co LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Bank of Zhengzhou Co'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.

Bank of Zhengzhou Co LT-Debt-to-Total-Asset Chart

Bank of Zhengzhou Co Annual Data

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LT-Debt-to-Total-Asset

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0.16

0.15

Bank of Zhengzhou Co Quarterly Data
	Sep19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Jun25	Sep25	Dec25
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.14	0.16	0.16	0.15	0.15

34GF Score

Bank of Zhengzhou Co Ltd FRA:3BZ

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Bank of Zhengzhou Co LT-Debt-to-Total-Asset Calculation

Bank of Zhengzhou Co'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 )
	=	13403.634	/	90171.776
	=	0.15

Bank of Zhengzhou Co's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )	/	Total Assets (Q: Dec. 2025 )
	=	13403.634	/	90171.776
	=	0.15

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

What does a LT-Debt-to-Total-Asset of 0.15 mean?

Bank of Zhengzhou Co (FRA:3BZ) has a LT-Debt-to-Total-Asset of 0.15 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Bank of Zhengzhou Co and its competitors.

Is Bank of Zhengzhou Co's LT-Debt-to-Total-Asset too high?

Bank of Zhengzhou Co's current LT-Debt-to-Total-Asset is 0.15. Overall, Bank of Zhengzhou Co has a GF Score™ of 34/100, reflecting its overall financial health beyond just this single metric.

How does Bank of Zhengzhou Co's LT-Debt-to-Total-Asset compare to competitors?

Bank of Zhengzhou Co's LT-Debt-to-Total-Asset of 0.15 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 Bank of Zhengzhou Co and its competitors. Bank of Zhengzhou Co's current LT-Debt-to-Total-Asset is 0.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Bank of Zhengzhou Co stock overvalued right now?

Bank of Zhengzhou Co (FRA:3BZ) has a current LT-Debt-to-Total-Asset of 0.15. The stock's GF Value™ is €0.07, compared to a current price of €0.09 — trading 29.3% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.15. Bank of Zhengzhou Co's overall GF Score™ is 34/100 with 6 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 Bank of Zhengzhou Co (FRA:3BZ), the current LT-Debt-to-Total-Asset is 0.15 as of Dec. 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 Bank of Zhengzhou Co (FRA:3BZ) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Zhengzhou Co stock appears to be overvalued. The current stock price of €0.09 is trading 29.3% above its estimated GF Value™ of €0.07.

Key valuation signals for FRA:3BZ:

LT-Debt-to-Total-Asset: 0.15
GF Value™: €0.07 vs. price of €0.09 (29.3% above fair value)
GF Score™: 34/100 with 6 warning signs

No single metric tells the full story. See the FRA:3BZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bank of Zhengzhou Co Business Description

Industry Financial Services Banks

Comparable Companies HKSE:06199 HKSE:02356 HKSE:01578 HKSE:09668 HKSE:00440 HKSE:02596 HKSE:09677 HKSE:01216 HKSE:01551 HKSE:09889 SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges 06196:Hong Kong 002936:China

Address 248 Queen\'s Road East, 40th Floor, Dah Sing Financial Centre, Wang Chai, Hong Kong, HKG

Website https://www.zzbank.cn

Bank of Zhengzhou Co Ltd lays emphasis on commercial banking operations in China. The bank functions through the corporate, retail and treasury banking divisions. The corporate banking segment is the majority revenue generating segment for the company with a range of financial products and services tailor-made for corporations, government agencies and financial institutions; The retail banking segment provides similar services to individual customers; The treasury operations comprise of including interbank money market transactions, repurchases transactions and investments and Others. The company derives its revenue from the PRC.

34GF 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.

€0.09

Price

€0.07

GF Value

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