Luzerner Kantonalbank AG (FRA:4J60) LT-Debt-to-Total-Asset: 0.29 (As of Mar. 2026)

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FRA:4J60 Luzerner Kantonalbank AG FRA:4J60
58 GF Score
Price €116.00
GF Value €83.78
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Luzerner Kantonalbank AG LT-Debt-to-Total-Asset?

Luzerner Kantonalbank AG FRA:4J60 58 LT-Debt-to-Total-Asset is 0.29 as of Mar. 2026. GuruFocus rates FRA:4J60 with a GF Score™ of 58/100 and a GF Value™ of €83.78 (Significantly 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. Luzerner Kantonalbank AG's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.29.

Luzerner Kantonalbank AG's long-term debt to total assets ratio increased from Mar. 2025 (0.28) to Mar. 2026 (0.29). It may suggest that Luzerner Kantonalbank AG is progressively becoming more dependent on debt to grow their business.

Luzerner Kantonalbank AG  (FRA:4J60) 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.

Luzerner Kantonalbank AG LT-Debt-to-Total-Asset Related Terms

Luzerner Kantonalbank AG LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Luzerner Kantonalbank AG'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.

Luzerner Kantonalbank AG LT-Debt-to-Total-Asset Chart

Luzerner Kantonalbank AG 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 0.27 0.27 0.29 0.28 0.29

Luzerner Kantonalbank AG 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 0.28 0.29 0.29 0.29 0.29
FRA:4J60
58GF Score
Luzerner Kantonalbank AG FRA:4J60
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Luzerner Kantonalbank AG LT-Debt-to-Total-Asset Calculation

Luzerner Kantonalbank AG'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 )
=19630.859/66709.445
=0.29

Luzerner Kantonalbank AG'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 )
=20603.177/70144.87
=0.29

* 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 0.29 mean?
Luzerner Kantonalbank AG (FRA:4J60) has a LT-Debt-to-Total-Asset of 0.29 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 Luzerner Kantonalbank AG and its competitors.
Is Luzerner Kantonalbank AG's LT-Debt-to-Total-Asset too high?
Luzerner Kantonalbank AG's current LT-Debt-to-Total-Asset is 0.29. Overall, Luzerner Kantonalbank AG has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Luzerner Kantonalbank AG's LT-Debt-to-Total-Asset compare to competitors?
Luzerner Kantonalbank AG's LT-Debt-to-Total-Asset of 0.29 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 Luzerner Kantonalbank AG and its competitors. Luzerner Kantonalbank AG's current LT-Debt-to-Total-Asset is 0.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Luzerner Kantonalbank AG stock overvalued right now?
Based on GuruFocus' analysis, Luzerner Kantonalbank AG (FRA:4J60) is currently considered Significantly Overvalued. The stock's GF Value™ is €83.78, compared to a current price of €116.00 — trading 38.5% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.29. Luzerner Kantonalbank AG's overall GF Score™ is 58/100 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 Luzerner Kantonalbank AG (FRA:4J60), the current LT-Debt-to-Total-Asset is 0.29 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 Luzerner Kantonalbank AG (FRA:4J60) Overvalued in 2026?

Based on GuruFocus' analysis, Luzerner Kantonalbank AG stock appears to be overvalued. The current stock price of €116.00 is trading 38.5% above its estimated GF Value™ of €83.78. GuruFocus considers Luzerner Kantonalbank AG to be Significantly Overvalued.

Key valuation signals for FRA:4J60:

  • LT-Debt-to-Total-Asset: 0.29
  • GF Value™: €83.78 vs. price of €116.00 (38.5% above fair value)
  • GF Score™: 58/100 with 8 warning signs

No single metric tells the full story. See the FRA:4J60 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Luzerner Kantonalbank AG Business Description

Address Pilatusstrasse 12, Luzern, CHE, 6002
Luzerner Kantonalbank AG is a full-service bank based in Lucerne. It provides private individuals and business clients with comprehensive basic services, such as accounts, cards, payment transactions, loans (including home financing) and pension and investment products (e.g. investment funds or fund savings plans).
58GF 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.

€116.00
Price
€83.78
GF Value