Banco Di Desio E Della Brianza SpA (FRA:BJ7) LT-Debt-to-Total-Asset: 0.17 (As of Mar. 2026)

What is Banco Di Desio E Della Brianza SpA LT-Debt-to-Total-Asset?

Banco Di Desio E Della Brianza SpA FRA:BJ7 +0.14% 44 LT-Debt-to-Total-Asset is 0.17 as of Mar. 2026. GuruFocus rates FRA:BJ7 with a GF Score™ of 44/100 and a GF Value™ of €6.26 (Significantly Overvalued). The stock has 7 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. Banco Di Desio E Della Brianza SpA's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.17.

Banco Di Desio E Della Brianza SpA's long-term debt to total assets ratio increased from Mar. 2025 (0.15) to Mar. 2026 (0.17). It may suggest that Banco Di Desio E Della Brianza SpA is progressively becoming more dependent on debt to grow their business.

Banco Di Desio E Della Brianza SpA (FRA:BJ7) 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.

Banco Di Desio E Della Brianza SpA LT-Debt-to-Total-Asset Related Terms

Banco Di Desio E Della Brianza SpA LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Banco Di Desio E Della Brianza SpA'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.

Banco Di Desio E Della Brianza SpA LT-Debt-to-Total-Asset Chart

Banco Di Desio E Della Brianza SpA Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.10

0.15

0.19

0.21

Banco Di Desio E Della Brianza SpA 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															0.15	0.21	0.16	0.21	0.17

44GF Score

Banco Di Desio E Della Brianza SpA FRA:BJ7

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Banco Di Desio E Della Brianza SpA LT-Debt-to-Total-Asset Calculation

Banco Di Desio E Della Brianza SpA'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 )
	=	4165.146	/	19564.001
	=	0.21

Banco Di Desio E Della Brianza SpA'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 )
	=	3305.727	/	19306.625
	=	0.17

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

What does a LT-Debt-to-Total-Asset of 0.17 mean?

Banco Di Desio E Della Brianza SpA (FRA:BJ7) has a LT-Debt-to-Total-Asset of 0.17 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 Banco Di Desio E Della Brianza SpA and its competitors.

Is Banco Di Desio E Della Brianza SpA's LT-Debt-to-Total-Asset too high?

Banco Di Desio E Della Brianza SpA's current LT-Debt-to-Total-Asset is 0.17. Overall, Banco Di Desio E Della Brianza SpA has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Banco Di Desio E Della Brianza SpA's LT-Debt-to-Total-Asset compare to PNC and USB?

Banco Di Desio E Della Brianza SpA's LT-Debt-to-Total-Asset of 0.17 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 Banco Di Desio E Della Brianza SpA and its competitors. Banco Di Desio E Della Brianza SpA's current LT-Debt-to-Total-Asset is 0.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Banco Di Desio E Della Brianza SpA stock overvalued right now?

Based on GuruFocus' analysis, Banco Di Desio E Della Brianza SpA (FRA:BJ7) is currently considered Significantly Overvalued. The stock's GF Value™ is €6.26, compared to a current price of €14.44 — trading 130.7% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.17. Banco Di Desio E Della Brianza SpA's overall GF Score™ is 44/100 with 7 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 Banco Di Desio E Della Brianza SpA (FRA:BJ7), the current LT-Debt-to-Total-Asset is 0.17 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 Banco Di Desio E Della Brianza SpA (FRA:BJ7) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Di Desio E Della Brianza SpA stock appears to be overvalued. The current stock price of €14.44 is trading 130.7% above its estimated GF Value™ of €6.26. GuruFocus considers Banco Di Desio E Della Brianza SpA to be Significantly Overvalued.

Key valuation signals for FRA:BJ7:

LT-Debt-to-Total-Asset: 0.17
GF Value™: €6.26 vs. price of €14.44 (130.7% above fair value)
GF Score™: 44/100 with 7 warning signs

No single metric tells the full story. See the FRA:BJ7 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Banco Di Desio E Della Brianza SpA Business Description

Industry Financial Services Banks

Comparable Companies MIL:IF MIL:BST MIL:PRO MIL:CE MIL:BGN 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

Other Exchanges BDB:Italy 0O5V:UK BJ7:Germany

Address Via E. Rovagnati, 1, Desio, ITA, 20832

Website https://www.bancodesio.it

Banco Di Desio E Della Brianza SpA is an Italy based company engaged in providing financial services. The group operates by carrying out traditional banking activities, providing asset management services and selling life and non-life bancassurance products. It offers loans and deposits; financial, banking, and payment services; insurance products, asset management products; debit and credit cards. The bank serves individuals and small to midsized businesses by providing other services. The activities are carried out through Italy.

44GF 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.

€14.44

Price

€6.26

GF Value

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