Manx Financial Group (FRA:3IM) LT-Debt-to-Total-Asset: 0.10 (As of Dec. 2025)

What is Manx Financial Group LT-Debt-to-Total-Asset?

Manx Financial Group FRA:3IM +3.40% 46 LT-Debt-to-Total-Asset is 0.10 as of Dec. 2025. GuruFocus rates FRA:3IM with a GF Score™ of 46/100 and a GF Value™ of €0.27 (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. Manx Financial Group's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.10.

Manx Financial Group's long-term debt to total assets ratio increased from Dec. 2024 (0.10) to Dec. 2025 (0.10). It may suggest that Manx Financial Group is progressively becoming more dependent on debt to grow their business.

Manx Financial Group (FRA:3IM) 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.

Manx Financial Group LT-Debt-to-Total-Asset Related Terms

Manx Financial Group LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Manx Financial Group'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.

Manx Financial Group LT-Debt-to-Total-Asset Chart

Manx Financial Group Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.08

0.09

0.10

Manx Financial Group Semi-Annual Data
	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.09	0.08	0.10	0.09	0.10

46GF Score

Manx Financial Group PLC FRA:3IM

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

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Manx Financial Group LT-Debt-to-Total-Asset Calculation

Manx Financial Group'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 )
	=	62.99	/	641.723
	=	0.10

Manx Financial Group'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 )
	=	62.99	/	641.723
	=	0.10

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

What does a LT-Debt-to-Total-Asset of 0.10 mean?

Manx Financial Group (FRA:3IM) has a LT-Debt-to-Total-Asset of 0.10 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 Manx Financial Group and its competitors.

Is Manx Financial Group's LT-Debt-to-Total-Asset too high?

Manx Financial Group's current LT-Debt-to-Total-Asset is 0.10. Overall, Manx Financial Group has a GF Score™ of 46/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Manx Financial Group's LT-Debt-to-Total-Asset compare to PNC and USB?

Manx Financial Group's LT-Debt-to-Total-Asset of 0.10 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 Manx Financial Group and its competitors. Manx Financial Group's current LT-Debt-to-Total-Asset is 0.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Manx Financial Group stock overvalued right now?

Based on GuruFocus' analysis, Manx Financial Group (FRA:3IM) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.27, compared to a current price of €0.30 — trading 12.6% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.10. Manx Financial Group'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 Manx Financial Group (FRA:3IM), the current LT-Debt-to-Total-Asset is 0.10 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 Manx Financial Group (FRA:3IM) Overvalued in 2026?

Based on GuruFocus' analysis, Manx Financial Group stock appears to be overvalued. The current stock price of €0.30 is trading 12.6% above its estimated GF Value™ of €0.27. GuruFocus considers Manx Financial Group to be Modestly Overvalued.

Key valuation signals for FRA:3IM:

LT-Debt-to-Total-Asset: 0.10
GF Value™: €0.27 vs. price of €0.30 (12.6% above fair value)
GF Score™: 46/100 with 4 warning signs

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

Manx Financial Group Business Description

Industry Financial Services Banks

Comparable Companies LSE:ARBB 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 MFX:UK

Address Victoria Street, Clarendon House, Douglas, IMN, IM1 2LN

Website https://www.mfg.im

Manx Financial Group PLC is a banking company. The group along with its subsidiaries offers retail and commercial banking services, payment solutions, wealth management, general insurance, and life insurance. It operates in three product orientated segments along with investing activities: Asset and Personal Finance (including provision of HP contracts, finance leases, personal loans, commercial loans, block discounting, vehicle stocking plans and wholesale funding agreements); Edgewater Associates Limited (provision of financial advice); and MFX Limited (provision of foreign currency transaction services). The Group currently operates in one geographic segment comprising of the Isle of Man, and UK region.

46GF 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.

€0.30

Price

€0.27

GF Value

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