Finbond Group (JSE:FGL) LT-Debt-to-Total-Asset: 0.74 (As of Feb. 2026)

What is Finbond Group LT-Debt-to-Total-Asset?

Finbond Group JSE:FGL 34 LT-Debt-to-Total-Asset is 0.74 as of Feb. 2026. GuruFocus rates JSE:FGL with a GF Score™ of 34/100 and a GF Value™ of R0.92 (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. Finbond Group's long-term debt to total assests ratio for the quarter that ended in Feb. 2026 was 0.74.

Finbond Group's long-term debt to total assets ratio increased from Feb. 2025 (0.68) to Feb. 2026 (0.74). It may suggest that Finbond Group is progressively becoming more dependent on debt to grow their business.

Finbond Group (JSE:FGL) 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.

Finbond Group LT-Debt-to-Total-Asset Related Terms

Finbond Group LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Finbond Group'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.

Finbond Group LT-Debt-to-Total-Asset Chart

Finbond Group Annual Data

Trend

Feb17

Feb18

Feb19

Feb20

Feb21

Feb22

Feb23

Feb24

Feb25

Feb26

LT-Debt-to-Total-Asset

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0.58

0.62

0.64

0.68

0.74

Finbond Group Semi-Annual Data
	Aug16	Feb17	Aug17	Feb18	Aug18	Feb19	Aug19	Feb20	Aug20	Feb21	Aug21	Feb22	Aug22	Feb23	Aug23	Feb24	Aug24	Feb25	Aug25	Feb26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.64	0.69	0.68	0.69	0.74

34GF Score

Finbond Group Ltd JSE:FGL

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Finbond Group LT-Debt-to-Total-Asset Calculation

Finbond Group's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Feb. 2026 is calculated as

LT Debt to Total Assets (A: Feb. 2026 )	=	Long-Term Debt & Capital Lease Obligation (A: Feb. 2026 )	/	Total Assets (A: Feb. 2026 )
	=	3239.591	/	4410.013
	=	0.73

Finbond Group's Long-Term Debt to Total Asset Ratio for the quarter that ended in Feb. 2026 is calculated as

LT Debt to Total Assets (Q: Feb. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Feb. 2026 )	/	Total Assets (Q: Feb. 2026 )
	=	3239.591	/	4410.013
	=	0.73

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

What does a LT-Debt-to-Total-Asset of 0.74 mean?

Finbond Group (JSE:FGL) has a LT-Debt-to-Total-Asset of 0.74 as of Feb. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Finbond Group and its competitors.

Is Finbond Group's LT-Debt-to-Total-Asset too high?

Finbond Group's current LT-Debt-to-Total-Asset is 0.74. Overall, Finbond Group has a GF Score™ of 34/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does Finbond Group's LT-Debt-to-Total-Asset compare to RKT and FNMA?

Finbond Group's LT-Debt-to-Total-Asset of 0.74 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 Finbond Group and its competitors. Finbond Group's current LT-Debt-to-Total-Asset is 0.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Finbond Group stock overvalued right now?

Based on GuruFocus' analysis, Finbond Group (JSE:FGL) is currently considered Fairly Valued. The stock's GF Value™ is R0.92, compared to a current price of R0.90 — trading 2.2% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.74. Finbond Group's overall GF Score™ is 34/100 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 Finbond Group (JSE:FGL), the current LT-Debt-to-Total-Asset is 0.74 as of Feb. 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 Finbond Group (JSE:FGL) Overvalued in 2026?

Based on GuruFocus' analysis, Finbond Group stock appears to be undervalued. The current stock price of R0.90 is trading 2.2% below its estimated GF Value™ of R0.92. GuruFocus considers Finbond Group to be Fairly Valued.

Key valuation signals for JSE:FGL:

LT-Debt-to-Total-Asset: 0.74
GF Value™: R0.92 vs. price of R0.90 (2.2% below fair value)
GF Score™: 34/100 with 7 warning signs

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

Finbond Group Business Description

Industry Financial Services Banks

Comparable Companies JSE:RMH RKT FNMA NSE:BAJAJHFL PFSI FMCC NSE:LICHSGFIN NSE:PNBHOUSING LSE:OSB NSE:AADHARHFC BOM:535789 LSE:PAG WD BOM:543335 BOM:543259 BOM:541988 BOM:511196 BOM:544044 UWMC TSX:MKP

Address 446 Rigel Avenue South, Rigel Park, Erasmusrand, Pretoria, GT, ZAF, 0181

Website https://www.finbondgroup.com

Finbond Group Ltd is a financial services institution that is engaged in the design and delivery of value and solution-based savings, credit, and insurance solutions tailored to depositor and borrower requirements. The company's business segments are Deposit and Debt Finance Products, Lending, Property investment, and Transactional banking, and Others. It derives key revenue from the Lending segment. Company opertes in USA, South Africa, and Canada, with majority of revenue from USA.

34GF 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.

R0.90

Price

R0.92

GF Value

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