Faysal Bank (KAR:FABL) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is Faysal Bank LT-Debt-to-Total-Asset?

Faysal Bank KAR:FABL +0.31% 72 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus rates KAR:FABL with a GF Score™ of 72/100 and a GF Value™ of ₨54.54 (Significantly Overvalued). 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. Faysal Bank's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

Faysal Bank's long-term debt to total assets ratio declined from Mar. 2025 (0.03) to Mar. 2026 (0.02). It may suggest that Faysal Bank is progressively becoming less dependent on debt to grow their business.

Faysal Bank (KAR:FABL) 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.

Faysal Bank LT-Debt-to-Total-Asset Related Terms

Faysal Bank LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Faysal Bank'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.

Faysal Bank LT-Debt-to-Total-Asset Chart

Faysal Bank Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.03

0.04

0.02

0.06

0.01

Faysal Bank 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	0.02	0.04	0.01	0.02

72GF Score

Faysal Bank Ltd KAR:FABL

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Faysal Bank LT-Debt-to-Total-Asset Calculation

Faysal Bank'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 )
	=	20016.603	/	1777009.981
	=	0.01

Faysal Bank'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 )
	=	37575.234	/	1725049.045
	=	0.02

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

What does a LT-Debt-to-Total-Asset of 0.02 mean?

Faysal Bank (KAR:FABL) has a LT-Debt-to-Total-Asset of 0.02 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 Faysal Bank and its competitors.

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

Faysal Bank's current LT-Debt-to-Total-Asset is 0.02. Overall, Faysal Bank has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

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

Faysal Bank's LT-Debt-to-Total-Asset of 0.02 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 Faysal Bank and its competitors. Faysal Bank's current LT-Debt-to-Total-Asset is 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Faysal Bank stock overvalued right now?

Based on GuruFocus' analysis, Faysal Bank (KAR:FABL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨54.54, compared to a current price of ₨101.63 — trading 86.3% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. Faysal Bank's overall GF Score™ is 72/100 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 Faysal Bank (KAR:FABL), the current LT-Debt-to-Total-Asset is 0.02 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 Faysal Bank (KAR:FABL) Overvalued in 2026?

Based on GuruFocus' analysis, Faysal Bank stock appears to be overvalued. The current stock price of ₨101.63 is trading 86.3% above its estimated GF Value™ of ₨54.54. GuruFocus considers Faysal Bank to be Significantly Overvalued.

Key valuation signals for KAR:FABL:

LT-Debt-to-Total-Asset: 0.02
GF Value™: ₨54.54 vs. price of ₨101.63 (86.3% above fair value)
GF Score™: 72/100 with 7 warning signs

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

Faysal Bank Business Description

Industry Financial Services Banks

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

Address Faysal House, Street-02, Commercial Lane, Main Shahrah-e-Faisal, Karachi, SD, PAK

Website https://www.faysalbank.com

Faysal Bank Ltd offers a wide range of banking services to all customer segments, i.e. retail, small and medium-sized enterprises, commercial, agri-based, and corporate. The bank operates in Pakistan. The services provided by the bank include Personal banking, business banking, wealth management, e-banking, etc. The company's business segment consists of Retail banking, Corporate and investment banking, Treasury and equity capital market (ECM), Special asset management (SAM), and Others.

72GF 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.

₨101.63

Price

₨54.54

GF Value

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