SBI Holdings (FRA:ZOF) LT-Debt-to-Total-Asset: 0.18 (As of Mar. 2026)


FRA:ZOF SBI Holdings Inc FRA:ZOF
84 GF Score
Price €14.29
GF Value €13.79
Valuation Fairly Valued
! 7 Warning Signs
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What is SBI Holdings LT-Debt-to-Total-Asset?

SBI Holdings FRA:ZOF -1.11% 84 LT-Debt-to-Total-Asset is 0.18 as of Mar. 2026. GuruFocus rates FRA:ZOF with a GF Score™ of 84/100 and a GF Value™ of €13.79 (Fairly Valued). 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. SBI Holdings's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.18.

SBI Holdings's long-term debt to total assets ratio increased from Mar. 2025 (0.18) to Mar. 2026 (0.18). It may suggest that SBI Holdings is progressively becoming more dependent on debt to grow their business.

SBI Holdings  (FRA:ZOF) 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.

SBI Holdings LT-Debt-to-Total-Asset Related Terms

SBI Holdings LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for SBI Holdings'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.

SBI Holdings LT-Debt-to-Total-Asset Chart

SBI Holdings Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.22 0.17 0.17 0.18 0.18

SBI Holdings 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 0.18 0.18 0.17 0.17 0.18
FRA:ZOF
84GF Score
SBI Holdings Inc FRA:ZOF
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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SBI Holdings LT-Debt-to-Total-Asset Calculation

SBI Holdings'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 )
=38213.085/208728.106
=0.18

SBI Holdings'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 )
=38213.085/208728.106
=0.18

* 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 0.18 mean?
SBI Holdings (FRA:ZOF) has a LT-Debt-to-Total-Asset of 0.18 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 SBI Holdings and its competitors.
Is SBI Holdings' LT-Debt-to-Total-Asset too high?
SBI Holdings' current LT-Debt-to-Total-Asset is 0.18. Overall, SBI Holdings has a GF Score™ of 84/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SBI Holdings' LT-Debt-to-Total-Asset compare to VOYA and FRHC?
SBI Holdings' LT-Debt-to-Total-Asset of 0.18 can be compared against companies in the Diversified Financial Services 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 Diversified Financial Services company?
A good LT-Debt-to-Total-Asset depends on the Diversified Financial Services 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 SBI Holdings and its competitors. SBI Holdings's current LT-Debt-to-Total-Asset is 0.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBI Holdings stock overvalued right now?
Based on GuruFocus' analysis, SBI Holdings (FRA:ZOF) is currently considered Fairly Valued. The stock's GF Value™ is €13.79, compared to a current price of €14.29 — trading 3.6% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.18. SBI Holdings' overall GF Score™ is 84/100 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 SBI Holdings (FRA:ZOF), the current LT-Debt-to-Total-Asset is 0.18 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 SBI Holdings (FRA:ZOF) Overvalued in 2026?

Based on GuruFocus' analysis, SBI Holdings stock appears to be overvalued. The current stock price of €14.29 is trading 3.6% above its estimated GF Value™ of €13.79. GuruFocus considers SBI Holdings to be Fairly Valued.

Key valuation signals for FRA:ZOF:

  • LT-Debt-to-Total-Asset: 0.18
  • GF Value™: €13.79 vs. price of €14.29 (3.6% above fair value)
  • GF Score™: 84/100 with 7 warning signs

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

SBI Holdings Business Description

Address 1-6-1 Roppongi, Minato-ku, Tokyo, JPN, 106-6019
SBI Holdings Inc is a financial conglomerate that offers a variety of services in securities, banking, and insurance. The company operates through five segments. The Asset Management segment provides investment management, advice, and financial product information. The Crypto Asset segment offers crypto exchange and trading services. The Financial Services segment covers securities, banking, and insurance activities in Japan and abroad. The Investment segment invests in IT, fintech, blockchain, finance, and biotech ventures. The Next Generation Business develops and sells pharmaceuticals, health foods, and cosmetics, conducts R&D in cancer and immunology, offers digital medical solutions, and engages in medical finance. It generates majority of its revenue from Financial services segment.
84GF Score

Get the complete analysis for FRA:ZOF

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

€14.29
Price
€13.79
GF Value