Rakuten Bank (FRA:N5G) LT-Debt-to-Total-Asset: 0.17 (As of Mar. 2026)

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Rakuten Bank Ltd FRA:N5G

76 GF Score

Price €31.00

GF Value €38.74

Valuation Modestly Undervalued

2 Warning Signs

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What is Rakuten Bank LT-Debt-to-Total-Asset?

Rakuten Bank FRA:N5G 76 LT-Debt-to-Total-Asset is 0.17 as of Mar. 2026. GuruFocus rates FRA:N5G with a GF Score™ of 76/100 and a GF Value™ of €38.74 (Modestly Undervalued). The stock has 2 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. Rakuten Bank's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.17.

Rakuten Bank's long-term debt to total assets ratio declined from Mar. 2025 (0.19) to Mar. 2026 (0.17). It may suggest that Rakuten Bank is progressively becoming less dependent on debt to grow their business.

Rakuten Bank (FRA:N5G) 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.

Rakuten Bank LT-Debt-to-Total-Asset Related Terms

Rakuten Bank LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Rakuten Bank'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.

Rakuten Bank LT-Debt-to-Total-Asset Chart

Rakuten Bank Annual Data

Trend

Mar21

Mar22

Mar23

Mar24

Mar25

Mar26

LT-Debt-to-Total-Asset

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0.17

0.20

0.19

0.17

Rakuten Bank Quarterly Data
	Mar21	Mar22	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											0.19	0.19	0.19	0.17	0.17

76GF Score

Rakuten Bank Ltd FRA:N5G

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Rakuten Bank LT-Debt-to-Total-Asset Calculation

Rakuten Bank's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )	/	Total Assets (A: Mar. 2026 )
	=	15485.172	/	90445.904
	=	0.17

Rakuten Bank'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 )
	=	15485.172	/	90445.904
	=	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?

Rakuten Bank (FRA:N5G) 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 Rakuten Bank and its competitors.

Is Rakuten Bank's LT-Debt-to-Total-Asset too high?

Rakuten Bank's current LT-Debt-to-Total-Asset is 0.17. Overall, Rakuten Bank has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.

How does Rakuten Bank's LT-Debt-to-Total-Asset compare to competitors?

Rakuten Bank'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 Rakuten Bank and its competitors. Rakuten Bank'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 Rakuten Bank stock overvalued right now?

Based on GuruFocus' analysis, Rakuten Bank (FRA:N5G) is currently considered Modestly Undervalued. The stock's GF Value™ is €38.74, compared to a current price of €31.00 — trading 20% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.17. Rakuten Bank's overall GF Score™ is 76/100 with 2 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 Rakuten Bank (FRA:N5G), 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 Rakuten Bank (FRA:N5G) Overvalued in 2026?

Based on GuruFocus' analysis, Rakuten Bank stock appears to be undervalued. The current stock price of €31.00 is trading 20% below its estimated GF Value™ of €38.74. GuruFocus considers Rakuten Bank to be Modestly Undervalued.

Key valuation signals for FRA:N5G:

LT-Debt-to-Total-Asset: 0.17
GF Value™: €38.74 vs. price of €31.00 (20% below fair value)
GF Score™: 76/100 with 2 warning signs

No single metric tells the full story. See the FRA:N5G stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Rakuten Bank Business Description

Industry Financial Services Banks

Comparable Companies TSE:8334 TSE:5830 TSE:8377 TSE:8341 TSE:8359 TSE:7337 TSE:7180 TSE:8418 TSE:7189 TSE:7327 SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges 5838:Japan

Address 2-16-5 Konan, NBF Shinagawa Tower, Minato-ku, Tokyo, JPN, 108-0075

Website https://www.rakuten-bank.co.jp

Rakuten Bank Ltd is engaged in the banking business through an electronic medium.

76GF Score

Get the complete analysis for FRA:N5G

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

€31.00

Price

€38.74

GF Value

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