Bank of Punjab (KAR:BOP) LT-Debt-to-Total-Asset: 0.04 (As of Mar. 2026)

What is Bank of Punjab LT-Debt-to-Total-Asset?

Bank of Punjab KAR:BOP +0.65% 29 LT-Debt-to-Total-Asset is 0.04 as of Mar. 2026. GuruFocus rates KAR:BOP with a GF Score™ of 29/100 and a GF Value™ of ₨14.94 (Significantly Overvalued). The stock has 3 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. Bank of Punjab's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.04.

Bank of Punjab's long-term debt to total assets ratio increased from Mar. 2025 (0.03) to Mar. 2026 (0.04). It may suggest that Bank of Punjab is progressively becoming more dependent on debt to grow their business.

Bank of Punjab (KAR:BOP) 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.

Bank of Punjab LT-Debt-to-Total-Asset Related Terms

Bank of Punjab LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Bank of Punjab'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.

Bank of Punjab LT-Debt-to-Total-Asset Chart

Bank of Punjab Annual Data

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LT-Debt-to-Total-Asset

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0.03

Bank of Punjab 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															0.03	0.03	0.04	0.03	0.04

29GF Score

Bank of Punjab KAR:BOP

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Bank of Punjab LT-Debt-to-Total-Asset Calculation

Bank of Punjab'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 )
	=	94852.93	/	2950739.786
	=	0.03

Bank of Punjab'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 )
	=	99094.211	/	2598334.737
	=	0.04

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

What does a LT-Debt-to-Total-Asset of 0.04 mean?

Bank of Punjab (KAR:BOP) has a LT-Debt-to-Total-Asset of 0.04 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 Bank of Punjab and its competitors.

Is Bank of Punjab's LT-Debt-to-Total-Asset too high?

Bank of Punjab's current LT-Debt-to-Total-Asset is 0.04. Overall, Bank of Punjab has a GF Score™ of 29/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Bank of Punjab's LT-Debt-to-Total-Asset compare to competitors?

Bank of Punjab's LT-Debt-to-Total-Asset of 0.04 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 Bank of Punjab and its competitors. Bank of Punjab's current LT-Debt-to-Total-Asset is 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Bank of Punjab stock overvalued right now?

Based on GuruFocus' analysis, Bank of Punjab (KAR:BOP) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨14.94, compared to a current price of ₨37.37 — trading 150.1% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.04. Bank of Punjab's overall GF Score™ is 29/100 with 3 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 Bank of Punjab (KAR:BOP), the current LT-Debt-to-Total-Asset is 0.04 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 Bank of Punjab (KAR:BOP) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Punjab stock appears to be overvalued. The current stock price of ₨37.37 is trading 150.1% above its estimated GF Value™ of ₨14.94. GuruFocus considers Bank of Punjab to be Significantly Overvalued.

Key valuation signals for KAR:BOP:

LT-Debt-to-Total-Asset: 0.04
GF Value™: ₨14.94 vs. price of ₨37.37 (150.1% above fair value)
GF Score™: 29/100 with 3 warning signs

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

Bank of Punjab Business Description

Industry Financial Services Banks

Comparable Companies KAR:HMB KAR:FABL KAR:AKBL KAR:BAFL KAR:BAHL KAR:BOK KAR:BIPL KAR:ABL KAR:JSBL KAR:SNBL SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address Main Boulevard, Block E-II, 10-B, BOP Tower, Gulberg III, Lahore, PB, PAK

Website https://www.bop.com.pk

Bank of Punjab is a financial institution providing a range of customized banking products and services. The bank also provides Islamic banking, payment services, home remittances, and other services. The operating segments of the company are Corporate and investment banking, Consumer banking group, Cards and public sector deposits (CPSD), Treasury, Islamic banking, and others. The company generates the majority of its revenue from Consumer banking group segment.

29GF 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.

₨37.37

Price

₨14.94

GF Value

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