Harbin Bank Co (FRA:5H6) LT-Debt-to-Total-Asset: 0.08 (As of Dec. 2025)

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FRA:5H6 Harbin Bank Co Ltd FRA:5H6
39 GF Score
Price €0.03
GF Value €0.03
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Harbin Bank Co LT-Debt-to-Total-Asset?

Harbin Bank Co FRA:5H6 39 LT-Debt-to-Total-Asset is 0.08 as of Dec. 2025. GuruFocus rates FRA:5H6 with a GF Score™ of 39/100 and a GF Value™ of €0.03 (Modestly Overvalued). The stock has 5 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. Harbin Bank Co's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.08.

Harbin Bank Co's long-term debt to total assets ratio increased from Dec. 2024 (0.07) to Dec. 2025 (0.08). It may suggest that Harbin Bank Co is progressively becoming more dependent on debt to grow their business.

Harbin Bank Co  (FRA:5H6) 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.

Harbin Bank Co LT-Debt-to-Total-Asset Related Terms

Harbin Bank Co LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Harbin Bank 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.

Harbin Bank Co LT-Debt-to-Total-Asset Chart

Harbin Bank Co 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 0.05 0.06 0.06 0.07 0.08

Harbin Bank Co 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 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 0.06 0.06 0.07 0.09 0.08
FRA:5H6
39GF Score
Harbin Bank Co Ltd FRA:5H6
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Harbin Bank Co LT-Debt-to-Total-Asset Calculation

Harbin Bank 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 )
=10355.33/123596.716
=0.08

Harbin Bank 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 )
=10355.33/123596.716
=0.08

* 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 0.08 mean?
Harbin Bank Co (FRA:5H6) has a LT-Debt-to-Total-Asset of 0.08 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 Harbin Bank Co and its competitors.
Is Harbin Bank Co's LT-Debt-to-Total-Asset too high?
Harbin Bank Co's current LT-Debt-to-Total-Asset is 0.08. Overall, Harbin Bank Co has a GF Score™ of 39/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Harbin Bank Co's LT-Debt-to-Total-Asset compare to competitors?
Harbin Bank Co'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 Harbin Bank Co and its competitors. Harbin Bank Co'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 Harbin Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Harbin Bank Co (FRA:5H6) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.03, compared to a current price of €0.03 — trading 13.3% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.08. Harbin Bank Co's overall GF Score™ is 39/100 with 5 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 Harbin Bank Co (FRA:5H6), the current LT-Debt-to-Total-Asset is 0.08 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 Harbin Bank Co (FRA:5H6) Overvalued in 2026?

Based on GuruFocus' analysis, Harbin Bank Co stock appears to be overvalued. The current stock price of €0.03 is trading 13.3% above its estimated GF Value™ of €0.03. GuruFocus considers Harbin Bank Co to be Modestly Overvalued.

Key valuation signals for FRA:5H6:

  • LT-Debt-to-Total-Asset: 0.08
  • GF Value™: €0.03 vs. price of €0.03 (13.3% above fair value)
  • GF Score™: 39/100 with 5 warning signs

No single metric tells the full story. See the FRA:5H6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Harbin Bank Co Business Description

Other Exchanges 06138:Hong Kong
Address No. 888 Shangjiang Street, Daoli District, Heilongjiang Province, Harbin, CHN, 150010
Harbin Bank Co Ltd provides deposit services, loan services, payment and settlement services and financial leasing services, as well as other financial services approved by the NFRA. Its segments include Corporate financial business, Retail financial business, Interbank financial business, and Other business. The majority of the revenue is derived from Corporate financial business which provides financial products and services to corporate customers, including deposits, loans, settlement and clearing and other products and services relating to the trading business. Its geographical segments include Heilongjiang region, Other regions in Northeastern China, Southwestern China, and Other regions.
39GF Score

Get the complete analysis for FRA:5H6

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

€0.03
Price
€0.03
GF Value