KGTHY (Krungthai Card PCL) LT-Debt-to-Total-Asset: 0.38 (As of Mar. 2026)

What is Krungthai Card PCL LT-Debt-to-Total-Asset?

Krungthai Card PCL KGTHY -0.48% 68 LT-Debt-to-Total-Asset is 0.38 as of Mar. 2026. GuruFocus rates KGTHY with a GF Score™ of 68/100 and a GF Value™ of $15.03 (Significantly Undervalued). The stock has 5 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. Krungthai Card PCL's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.38.

Krungthai Card PCL's long-term debt to total assets ratio declined from Mar. 2025 (0.45) to Mar. 2026 (0.38). It may suggest that Krungthai Card PCL is progressively becoming less dependent on debt to grow their business.

Krungthai Card PCL (OTCPK:KGTHY) 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.

Krungthai Card PCL LT-Debt-to-Total-Asset Related Terms

Krungthai Card PCL LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Krungthai Card PCL'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.

Krungthai Card PCL LT-Debt-to-Total-Asset Chart

Krungthai Card PCL Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

Get a 7-Day Free Trial

0.49

0.45

0.47

0.46

0.38

Krungthai Card PCL 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															0.45	0.45	0.44	0.38	0.38

68GF Score

Krungthai Card PCL KGTHY

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

Krungthai Card PCL LT-Debt-to-Total-Asset Calculation

Krungthai Card PCL'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 )
	=	1335.73	/	3500.363
	=	0.38

Krungthai Card PCL'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 )
	=	1260.588	/	3289.404
	=	0.38

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

What does a LT-Debt-to-Total-Asset of 0.38 mean?

Krungthai Card PCL (KGTHY) has a LT-Debt-to-Total-Asset of 0.38 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 Krungthai Card PCL and its competitors.

Is Krungthai Card PCL's LT-Debt-to-Total-Asset too high?

Krungthai Card PCL's current LT-Debt-to-Total-Asset is 0.38. Overall, Krungthai Card PCL has a GF Score™ of 68/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.

How does Krungthai Card PCL's LT-Debt-to-Total-Asset compare to V and MA?

Krungthai Card PCL's LT-Debt-to-Total-Asset of 0.38 can be compared against companies in the Credit Services 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 Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services 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 Krungthai Card PCL and its competitors. Krungthai Card PCL's current LT-Debt-to-Total-Asset is 0.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Krungthai Card PCL stock overvalued right now?

Based on GuruFocus' analysis, Krungthai Card PCL (KGTHY) is currently considered Significantly Undervalued. The stock's GF Value™ is $15.03, compared to a current price of $10.30 — trading 31.5% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.38. Krungthai Card PCL's overall GF Score™ is 68/100 with 5 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 Krungthai Card PCL (KGTHY), the current LT-Debt-to-Total-Asset is 0.38 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 Krungthai Card PCL (KGTHY) Overvalued in 2026?

Based on GuruFocus' analysis, Krungthai Card PCL stock appears to be undervalued. The current stock price of $10.30 is trading 31.5% below its estimated GF Value™ of $15.03. GuruFocus considers Krungthai Card PCL to be Significantly Undervalued.

Key valuation signals for KGTHY:

LT-Debt-to-Total-Asset: 0.38
GF Value™: $15.03 vs. price of $10.30 (31.5% below fair value)
GF Score™: 68/100 with 5 warning signs

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

Krungthai Card PCL Business Description

Industry Financial Services Credit Services

Comparable Companies BKK:TCAP BKK:MTC BKK:TIDLOR BKK:SAWAD BKK:AEONTS BKK:JMT BKK:SCAP BKK:THANI BKK:SGC BKK:SINGER V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges KTC-F:Thailand KTC:Thailand KRTA:Germany

Address 591 Sukhumvit Road, 14th Floor United Business Center II Building, Klongton Nua, Wattana, Bangkok, THA, 10110

Website https://www.ktc.co.th

Krungthai Card PCL engaged in credit cards, personal loans and other related businesses. The Company provides services such as Credit Cards, Personal Loans, KTC Brother Boom Money, MAAI by KTC, Shop business and many. The company operations relate to a single business segment which is the financial services business and are carried out in a single geographic area which is Thailand.

68GF Score

Get the complete analysis for KGTHY

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

$10.30

Price

$15.03

GF Value

View KGTHY Analysis

See LT-Debt-to-Total-Asset data for all stocks →