Industrial And Commercial Bank Of China (FRA:ICK) LT-Debt-to-Total-Asset: 0.04 (As of Mar. 2026)


FRA:ICK Industrial And Commercial Bank Of China Ltd FRA:ICK
43 GF Score
Price €0.73
GF Value €0.69
Valuation Fairly Valued
! 3 Warning Signs
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What is Industrial And Commercial Bank Of China LT-Debt-to-Total-Asset?

Industrial And Commercial Bank Of China FRA:ICK +0.56% 43 LT-Debt-to-Total-Asset is 0.04 as of Mar. 2026. GuruFocus rates FRA:ICK with a GF Score™ of 43/100 and a GF Value™ of €0.69 (Fairly Valued). The stock has 3 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. Industrial And Commercial Bank Of China's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.04.

Industrial And Commercial Bank Of China's long-term debt to total assets ratio declined from Mar. 2025 (0.06) to Mar. 2026 (0.04). It may suggest that Industrial And Commercial Bank Of China is progressively becoming less dependent on debt to grow their business.

Industrial And Commercial Bank Of China  (FRA:ICK) 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.

Industrial And Commercial Bank Of China LT-Debt-to-Total-Asset Related Terms

Industrial And Commercial Bank Of China LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Industrial And Commercial Bank Of China'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.

Industrial And Commercial Bank Of China LT-Debt-to-Total-Asset Chart

Industrial And Commercial Bank Of China 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 0.04 0.04 0.04 0.05 0.05

Industrial And Commercial Bank Of China 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 0.06 0.06 0.06 0.05 0.04
FRA:ICK
43GF Score
Industrial And Commercial Bank Of China Ltd FRA:ICK
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Industrial And Commercial Bank Of China LT-Debt-to-Total-Asset Calculation

Industrial And Commercial Bank Of China'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 )
=333606.845/6484271.09
=0.05

Industrial And Commercial Bank Of China'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 )
=306762.302/6999794.716
=0.04

* 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 0.04 mean?
Industrial And Commercial Bank Of China (FRA:ICK) has a LT-Debt-to-Total-Asset of 0.04 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 Industrial And Commercial Bank Of China and its competitors.
Is Industrial And Commercial Bank Of China's LT-Debt-to-Total-Asset too high?
Industrial And Commercial Bank Of China's current LT-Debt-to-Total-Asset is 0.04. Overall, Industrial And Commercial Bank Of China has a GF Score™ of 43/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Industrial And Commercial Bank Of China's LT-Debt-to-Total-Asset compare to JPM and BAC?
Industrial And Commercial Bank Of China's LT-Debt-to-Total-Asset of 0.04 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 Industrial And Commercial Bank Of China and its competitors. Industrial And Commercial Bank Of China's current LT-Debt-to-Total-Asset is 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Industrial And Commercial Bank Of China stock overvalued right now?
Based on GuruFocus' analysis, Industrial And Commercial Bank Of China (FRA:ICK) is currently considered Fairly Valued. The stock's GF Value™ is €0.69, compared to a current price of €0.73 — trading 6.4% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.04. Industrial And Commercial Bank Of China's overall GF Score™ is 43/100 with 3 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 Industrial And Commercial Bank Of China (FRA:ICK), the current LT-Debt-to-Total-Asset is 0.04 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 Industrial And Commercial Bank Of China (FRA:ICK) Overvalued in 2026?

Based on GuruFocus' analysis, Industrial And Commercial Bank Of China stock appears to be overvalued. The current stock price of €0.73 is trading 6.4% above its estimated GF Value™ of €0.69. GuruFocus considers Industrial And Commercial Bank Of China to be Fairly Valued.

Key valuation signals for FRA:ICK:

  • LT-Debt-to-Total-Asset: 0.04
  • GF Value™: €0.69 vs. price of €0.73 (6.4% above fair value)
  • GF Score™: 43/100 with 3 warning signs

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

Industrial And Commercial Bank Of China Business Description

Address No. 55 Fuxingmennei Avenue, Xicheng District, Beijing, CHN, 100140
Industrial and Commercial Bank of China was founded in 1984 and is headquartered in Beijing. The bank listed its shares in mainland China and Hong Kong in 2006. It is China's largest by asset scale and by share of lending and deposits. Central Huijin Investment (China's sovereign wealth fund manager) and China's Ministry of Finance are ICBC's two largest shareholders, each with a stake of around 35%. ICBC operates over 15,000 outlets. Of these, 413 outlets are in 49 countries and regions overseas. Corporate banking, retail banking, and wholesale banking accounted for 49%, 39%, and 11% of total revenue, respectively, and 49%, 33%, and 17% of profit before tax in 2025. Overseas banking and other business contributed 14% of total revenue and 9% of profit before tax in 2025.
43GF Score

Get the complete analysis for FRA:ICK

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

€0.73
Price
€0.69
GF Value