SAP SE (HAM:SAP) LT-Debt-to-Total-Asset: 0.07 (As of Mar. 2026)


HAM:SAP SAP SE HAM:SAP
74 GF Score
Price €134.52
GF Value €219.97
Valuation Significantly Undervalued
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What is SAP SE LT-Debt-to-Total-Asset?

SAP SE HAM:SAP -1.16% 74 LT-Debt-to-Total-Asset is 0.07 as of Mar. 2026. GuruFocus rates HAM:SAP with a GF Score™ of 74/100 and a GF Value™ of €219.97 (Significantly Undervalued).

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. SAP SE's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.07.

SAP SE's long-term debt to total assets ratio declined from Mar. 2025 (0.09) to Mar. 2026 (0.07). It may suggest that SAP SE is progressively becoming less dependent on debt to grow their business.

SAP SE  (HAM:SAP) 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.

SAP SE LT-Debt-to-Total-Asset Related Terms

SAP SE LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for SAP SE'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.

SAP SE LT-Debt-to-Total-Asset Chart

SAP SE 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 0.15 0.12 0.11 0.09 0.08

SAP SE 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 0.09 0.08 0.09 0.08 0.07
HAM:SAP
74GF Score
SAP SE HAM:SAP
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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SAP SE LT-Debt-to-Total-Asset Calculation

SAP SE'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 )
=5624/70362
=0.08

SAP SE'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 )
=5038/73462
=0.07

* 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 0.07 mean?
SAP SE (HAM:SAP) has a LT-Debt-to-Total-Asset of 0.07 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 SAP SE and its competitors.
Is SAP SE's LT-Debt-to-Total-Asset too high?
SAP SE's current LT-Debt-to-Total-Asset is 0.07. Overall, SAP SE has a GF Score™ of 74/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SAP SE's LT-Debt-to-Total-Asset compare to UBER and SHOP?
SAP SE's LT-Debt-to-Total-Asset of 0.07 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 SAP SE and its competitors. SAP SE's current LT-Debt-to-Total-Asset is 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SAP SE stock overvalued right now?
Based on GuruFocus' analysis, SAP SE (HAM:SAP) is currently considered Significantly Undervalued. The stock's GF Value™ is €219.97, compared to a current price of €134.52 — trading 38.8% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.07. SAP SE's overall GF Score™ is 74/100. 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 SAP SE (HAM:SAP), the current LT-Debt-to-Total-Asset is 0.07 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 SAP SE (HAM:SAP) Overvalued in 2026?

Based on GuruFocus' analysis, SAP SE stock appears to be undervalued. The current stock price of €134.52 is trading 38.8% below its estimated GF Value™ of €219.97. GuruFocus considers SAP SE to be Significantly Undervalued.

Key valuation signals for HAM:SAP:

  • LT-Debt-to-Total-Asset: 0.07
  • GF Value™: €219.97 vs. price of €134.52 (38.8% below fair value)
  • GF Score™: 74/100

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

SAP SE Business Description

Address Dietmar-Hopp-Allee 16, Walldorf, BW, DEU, 69190
Founded in Germany in 1972 by former IBM employees, SAP is the world's largest provider of enterprise application software. Known as the leader in enterprise resource planning software, SAP's portfolio also includes software for supply chain management, procurement, travel and expense management, and customer relationship management, among others. The company operates in more than 180 countries and has more than 400,000 customers, approximately 80% of which are small to medium-size enterprises.
74GF Score

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

€134.52
Price
€219.97
GF Value