B+S Banksysteme AG (HAM:DTD2) LT-Debt-to-Total-Asset: 0.13 (As of Dec. 2025)

What is B+S Banksysteme AG LT-Debt-to-Total-Asset?

B+S Banksysteme AG HAM:DTD2 -0.26% 81 LT-Debt-to-Total-Asset is 0.13 as of Dec. 2025. GuruFocus rates HAM:DTD2 with a GF Score™ of 81/100 and a GF Value™ of €1.90 (Fairly Valued). 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. B+S Banksysteme AG's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.13.

B+S Banksysteme AG's long-term debt to total assets ratio declined from Dec. 2024 (0.17) to Dec. 2025 (0.13). It may suggest that B+S Banksysteme AG is progressively becoming less dependent on debt to grow their business.

B+S Banksysteme AG (HAM:DTD2) 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.

B+S Banksysteme AG LT-Debt-to-Total-Asset Related Terms

B+S Banksysteme AG LT-Debt-to-Total-Asset Historical Data

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The historical data trend for B+S Banksysteme AG'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.

B+S Banksysteme AG LT-Debt-to-Total-Asset Chart

B+S Banksysteme AG Annual Data

Trend

Jun16

Jun17

Jun18

Jun19

Jun20

Jun21

Jun22

Jun23

Jun24

Jun25

LT-Debt-to-Total-Asset

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0.24

0.22

0.21

0.19

0.15

B+S Banksysteme AG Semi-Annual Data
	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.19	0.19	0.17	0.15	0.13

81GF Score

B+S Banksysteme AG HAM:DTD2

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B+S Banksysteme AG LT-Debt-to-Total-Asset Calculation

B+S Banksysteme AG's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as

LT Debt to Total Assets (A: Jun. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Jun. 2025 )	/	Total Assets (A: Jun. 2025 )
	=	4.058	/	27.198
	=	0.15

B+S Banksysteme AG's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )	/	Total Assets (Q: Dec. 2025 )
	=	3.567	/	28.12
	=	0.13

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

What does a LT-Debt-to-Total-Asset of 0.13 mean?

B+S Banksysteme AG (HAM:DTD2) has a LT-Debt-to-Total-Asset of 0.13 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on B+S Banksysteme AG and its competitors.

Is B+S Banksysteme AG's LT-Debt-to-Total-Asset too high?

B+S Banksysteme AG's current LT-Debt-to-Total-Asset is 0.13. Overall, B+S Banksysteme AG has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does B+S Banksysteme AG's LT-Debt-to-Total-Asset compare to UBER and SHOP?

B+S Banksysteme AG's LT-Debt-to-Total-Asset of 0.13 can be compared against companies in the Software 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 Software company?

A good LT-Debt-to-Total-Asset depends on the Software 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 B+S Banksysteme AG and its competitors. B+S Banksysteme AG's current LT-Debt-to-Total-Asset is 0.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is B+S Banksysteme AG stock overvalued right now?

Based on GuruFocus' analysis, B+S Banksysteme AG (HAM:DTD2) is currently considered Fairly Valued. The stock's GF Value™ is €1.90, compared to a current price of €1.90 — trading right at its estimated fair value. The current LT-Debt-to-Total-Asset is 0.13. B+S Banksysteme AG's overall GF Score™ is 81/100 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 B+S Banksysteme AG (HAM:DTD2), the current LT-Debt-to-Total-Asset is 0.13 as of Dec. 2025. 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 B+S Banksysteme AG (HAM:DTD2) Overvalued in 2026?

Based on GuruFocus' analysis, B+S Banksysteme AG stock appears to be undervalued. The current stock price of €1.90 is trading 0% below its estimated GF Value™ of €1.90. GuruFocus considers B+S Banksysteme AG to be Fairly Valued.

Key valuation signals for HAM:DTD2:

LT-Debt-to-Total-Asset: 0.13
GF Value™: €1.90 vs. price of €1.90 (0% below fair value)
GF Score™: 81/100 with 2 warning signs

No single metric tells the full story. See the HAM:DTD2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

B+S Banksysteme AG Business Description

Industry Technology Software

Comparable Companies XTER:ISHA XTER:SAP UBER SHOP CRM CDNS NOW ADP SNOW DDOG ADBE INTU TSX:CSU ADSK PAYX ROP WDAY MSTR FICO XPAR:DSY

Other Exchanges DTD2:Germany

Address Elsenheimerstrasse 57, Munich, BY, DEU, 80687

Website https://www.bs-ag.com

B+S Banksysteme AG develops and markets software solutions for the completion of financial transactions with banks, savings banks, and industrial enterprises. It is engaged in the creation and development of its own programs for data processing, duplication, licensing, and distribution as well as consulting for companies. The company's headquarters have been in Munich with further locations in Austria (Salzburg) and Switzerland (Canton Bern).

81GF Score

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€1.90

Price

€1.90

GF Value

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