PT Bank Rakyat Indonesia (Persero) Tbk (FRA:BYRA) LT-Debt-to-Total-Asset: 0.09 (As of Mar. 2026)


FRA:BYRA PT Bank Rakyat Indonesia (Persero) Tbk FRA:BYRA
72 GF Score
Price €0.14
GF Value €0.26
Valuation Significantly Undervalued
! 4 Warning Signs
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What is PT Bank Rakyat Indonesia (Persero) Tbk LT-Debt-to-Total-Asset?

PT Bank Rakyat Indonesia (Persero) Tbk FRA:BYRA -7.10% 72 LT-Debt-to-Total-Asset is 0.09 as of Mar. 2026. GuruFocus rates FRA:BYRA with a GF Score™ of 72/100 and a GF Value™ of €0.26 (Significantly Undervalued). 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. PT Bank Rakyat Indonesia (Persero) Tbk's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.09.

PT Bank Rakyat Indonesia (Persero) Tbk's long-term debt to total assets ratio increased from Mar. 2025 (0.08) to Mar. 2026 (0.09). It may suggest that PT Bank Rakyat Indonesia (Persero) Tbk is progressively becoming more dependent on debt to grow their business.

PT Bank Rakyat Indonesia (Persero) Tbk  (FRA:BYRA) 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.

PT Bank Rakyat Indonesia (Persero) Tbk LT-Debt-to-Total-Asset Related Terms

PT Bank Rakyat Indonesia (Persero) Tbk LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for PT Bank Rakyat Indonesia (Persero) Tbk'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.

PT Bank Rakyat Indonesia (Persero) Tbk LT-Debt-to-Total-Asset Chart

PT Bank Rakyat Indonesia (Persero) Tbk 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 0.07 0.08 0.08 0.08 0.08

PT Bank Rakyat Indonesia (Persero) Tbk 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 0.08 0.08 0.07 0.08 0.09
FRA:BYRA
72GF Score
PT Bank Rakyat Indonesia (Persero) Tbk FRA:BYRA
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Rakyat Indonesia (Persero) Tbk LT-Debt-to-Total-Asset Calculation

PT Bank Rakyat Indonesia (Persero) Tbk'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 )
=8773.922/109151.415
=0.08

PT Bank Rakyat Indonesia (Persero) Tbk'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 )
=10569.933/114954.474
=0.09

* 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 0.09 mean?
PT Bank Rakyat Indonesia (Persero) Tbk (FRA:BYRA) has a LT-Debt-to-Total-Asset of 0.09 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 PT Bank Rakyat Indonesia (Persero) Tbk and its competitors.
Is PT Bank Rakyat Indonesia (Persero) Tbk's LT-Debt-to-Total-Asset too high?
PT Bank Rakyat Indonesia (Persero) Tbk's current LT-Debt-to-Total-Asset is 0.09. Overall, PT Bank Rakyat Indonesia (Persero) Tbk has a GF Score™ of 72/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Rakyat Indonesia (Persero) Tbk's LT-Debt-to-Total-Asset compare to competitors?
PT Bank Rakyat Indonesia (Persero) Tbk's LT-Debt-to-Total-Asset of 0.09 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 PT Bank Rakyat Indonesia (Persero) Tbk and its competitors. PT Bank Rakyat Indonesia (Persero) Tbk's current LT-Debt-to-Total-Asset is 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Rakyat Indonesia (Persero) Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Rakyat Indonesia (Persero) Tbk (FRA:BYRA) is currently considered Significantly Undervalued. The stock's GF Value™ is €0.26, compared to a current price of €0.14 — trading 44.6% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.09. PT Bank Rakyat Indonesia (Persero) Tbk's overall GF Score™ is 72/100 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 PT Bank Rakyat Indonesia (Persero) Tbk (FRA:BYRA), the current LT-Debt-to-Total-Asset is 0.09 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 PT Bank Rakyat Indonesia (Persero) Tbk (FRA:BYRA) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Rakyat Indonesia (Persero) Tbk stock appears to be undervalued. The current stock price of €0.14 is trading 44.6% below its estimated GF Value™ of €0.26. GuruFocus considers PT Bank Rakyat Indonesia (Persero) Tbk to be Significantly Undervalued.

Key valuation signals for FRA:BYRA:

  • LT-Debt-to-Total-Asset: 0.09
  • GF Value™: €0.26 vs. price of €0.14 (44.6% below fair value)
  • GF Score™: 72/100 with 4 warning signs

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

PT Bank Rakyat Indonesia (Persero) Tbk Business Description

Address Jalan Jenderal Sudirman No. 44 - 46, BRI II Building, 22nd Floor, Jakarta, IDN, 10210
PT Bank Rakyat Indonesia (Persero) Tbk operates in the banking sector. It provides and tailors banking services to micro, small, and medium enterprises. Its segments are Micro, Retail, Corporate, Others, and Subsidiaries. The majority of its revenue is generated from the Micro segment. The company emphasizes integrating financial technology across its platforms to improve access for its customer base. Its core business services include collecting customer deposits, loan disbursement, issuing promissory notes and loan agreements, and collateralizing assets. Its loan products include working capital loans for corporate and commercial customers, as well as mortgages for consumer customers.
72GF Score

Get the complete analysis for FRA:BYRA

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

€0.14
Price
€0.26
GF Value