Lloyds Banking Group (LSE:LLPF.PFD) LT-Debt-to-Total-Asset: 0.10 (As of Mar. 2026)


LSE:LLPF.PFD Lloyds Banking Group PLC LSE:LLPF.PFD
54 GF Score
Price £950.00
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What is Lloyds Banking Group LT-Debt-to-Total-Asset?

Lloyds Banking Group LSE:LLPF.PFD 54 LT-Debt-to-Total-Asset is 0.10 as of Mar. 2026. GuruFocus rates LSE:LLPF.PFD with a GF Score™ of 54/100. 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. Lloyds Banking Group's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.10.

Lloyds Banking Group's long-term debt to total assets ratio increased from Mar. 2025 (0.09) to Mar. 2026 (0.10). It may suggest that Lloyds Banking Group is progressively becoming more dependent on debt to grow their business.

Lloyds Banking Group  (LSE:LLPF.PFD) 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.

Lloyds Banking Group LT-Debt-to-Total-Asset Related Terms

Lloyds Banking Group LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Lloyds Banking 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.

Lloyds Banking Group LT-Debt-to-Total-Asset Chart

Lloyds Banking Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.10 0.11 0.11 0.10 0.10

Lloyds Banking Group Quarterly Data
Dec20 Jun21 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 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 Premium Member Only 0.09 0.09 0.09 0.10 0.10
LSE:LLPF.PFD
54GF Score
Lloyds Banking Group PLC LSE:LLPF.PFD
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Lloyds Banking Group LT-Debt-to-Total-Asset Calculation

Lloyds Banking Group'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 )
=95145/944072
=0.10

Lloyds Banking Group'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 )
=100752/968125
=0.10

* 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 0.10 mean?
Lloyds Banking Group (LSE:LLPF.PFD) has a LT-Debt-to-Total-Asset of 0.10 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 Lloyds Banking Group and its competitors.
Is Lloyds Banking Group's LT-Debt-to-Total-Asset too high?
Lloyds Banking Group's current LT-Debt-to-Total-Asset is 0.10. Overall, Lloyds Banking Group has a GF Score™ of 54/100, reflecting its overall financial health beyond just this single metric.
How does Lloyds Banking Group's LT-Debt-to-Total-Asset compare to competitors?
Lloyds Banking Group's LT-Debt-to-Total-Asset of 0.10 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 Lloyds Banking Group and its competitors. Lloyds Banking Group's current LT-Debt-to-Total-Asset is 0.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lloyds Banking Group stock overvalued right now?
Lloyds Banking Group (LSE:LLPF.PFD) has a current LT-Debt-to-Total-Asset of 0.10. The current LT-Debt-to-Total-Asset is 0.10. Lloyds Banking Group's overall GF Score™ is 54/100 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 Lloyds Banking Group (LSE:LLPF.PFD), the current LT-Debt-to-Total-Asset is 0.10 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.

Lloyds Banking Group Business Description

Address 33 Old Broad Street, London, GBR, EC2N 1HZ
Lloyds is a retail and commercial bank headquartered in the United Kingdom. The bank operates via three business segments: retail, commercial banking, and insurance and wealth. In retail, Lloyds offers primarily mortgages (66% of loan portfolio), credit cards, and current accounts to its customers. Its commercial banking operation provides lending, transaction banking, working capital management, and debt capital market services to large companies and financial institutions in the UK. Insurance and wealth round out the product lineup with life and property insurance as well as pension solutions and high-net-worth asset management services.
54GF 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.

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