UmweltBank AG (HAM:UBK) LT-Debt-to-Total-Asset: 0.31 (As of Dec. 2024)


HAM:UBK UmweltBank AG HAM:UBK
59 GF Score
Price €3.65
GF Value €2.89
Valuation Modestly Overvalued
! 2 Warning Signs
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What is UmweltBank AG LT-Debt-to-Total-Asset?

UmweltBank AG HAM:UBK +2.24% 59 LT-Debt-to-Total-Asset is 0.31 as of Dec. 2024. GuruFocus rates HAM:UBK with a GF Score™ of 59/100 and a GF Value™ of €2.89 (Modestly Overvalued). 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. UmweltBank AG's long-term debt to total assests ratio for the quarter that ended in Dec. 2024 was 0.31.

UmweltBank AG's long-term debt to total assets ratio declined from Dec. 2022 (0.39) to Dec. 2024 (0.31). It may suggest that UmweltBank AG is progressively becoming less dependent on debt to grow their business.

UmweltBank AG  (HAM:UBK) 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.

UmweltBank AG LT-Debt-to-Total-Asset Related Terms

UmweltBank AG LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for UmweltBank 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.

UmweltBank AG LT-Debt-to-Total-Asset Chart

UmweltBank AG Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.38 0.43 0.39 0.42 0.31

UmweltBank AG Semi-Annual Data
Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
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 0.38 0.43 0.39 0.42 0.31
HAM:UBK
59GF Score
UmweltBank AG HAM:UBK
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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UmweltBank AG LT-Debt-to-Total-Asset Calculation

UmweltBank AG's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2024 is calculated as

LT Debt to Total Assets (A: Dec. 2024 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2024 )/Total Assets (A: Dec. 2024 )
=1897.202/6185.899
=0.31

UmweltBank AG's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2024 is calculated as

LT Debt to Total Assets (Q: Dec. 2024 )=Long-Term Debt & Capital Lease Obligation (Q: Dec. 2024 )/Total Assets (Q: Dec. 2024 )
=1897.202/6185.899
=0.31

* 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 0.31 mean?
UmweltBank AG (HAM:UBK) has a LT-Debt-to-Total-Asset of 0.31 as of Dec. 2024. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on UmweltBank AG and its competitors.
Is UmweltBank AG's LT-Debt-to-Total-Asset too high?
UmweltBank AG's current LT-Debt-to-Total-Asset is 0.31. Overall, UmweltBank AG has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does UmweltBank AG's LT-Debt-to-Total-Asset compare to PNC and USB?
UmweltBank AG's LT-Debt-to-Total-Asset of 0.31 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 UmweltBank AG and its competitors. UmweltBank AG's current LT-Debt-to-Total-Asset is 0.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UmweltBank AG stock overvalued right now?
Based on GuruFocus' analysis, UmweltBank AG (HAM:UBK) is currently considered Modestly Overvalued. The stock's GF Value™ is €2.89, compared to a current price of €3.65 — trading 26.3% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.31. UmweltBank AG's overall GF Score™ is 59/100 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 UmweltBank AG (HAM:UBK), the current LT-Debt-to-Total-Asset is 0.31 as of Dec. 2024. 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 UmweltBank AG (HAM:UBK) Overvalued in 2026?

Based on GuruFocus' analysis, UmweltBank AG stock appears to be overvalued. The current stock price of €3.65 is trading 26.3% above its estimated GF Value™ of €2.89. GuruFocus considers UmweltBank AG to be Modestly Overvalued.

Key valuation signals for HAM:UBK:

  • LT-Debt-to-Total-Asset: 0.31
  • GF Value™: €2.89 vs. price of €3.65 (26.3% above fair value)
  • GF Score™: 59/100 with 2 warning signs

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

UmweltBank AG Business Description

Other Exchanges UBK:Germany
Address Laufertorgraben 6, Nuremberg, DEU, 90489
UmweltBank AG provides commercial banking services. The company offers various deposit products; savings accounts and bonds, investments, current accounts, and environmental accounts; and loan and financing products. The company offers its products for solar energy, wind and hydropower, combined heat and power station, low-energy construction, environmentally-friendly production, and organic farming and recycling fields.
59GF Score

Get the complete analysis for HAM:UBK

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

€3.65
Price
€2.89
GF Value