Software Circle (LSE:SFT) LT-Debt-to-Total-Asset: 0.20 (As of Sep. 2025)

What is Software Circle LT-Debt-to-Total-Asset?

Software Circle LSE:SFT +0.63% 39 LT-Debt-to-Total-Asset is 0.20 as of Sep. 2025. GuruFocus rates LSE:SFT with a GF Score™ of 39/100 and a GF Value™ of £0.12 (Significantly Overvalued). The stock has 4 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. Software Circle's long-term debt to total assests ratio for the quarter that ended in Sep. 2025 was 0.20.

Software Circle's long-term debt to total assets ratio increased from Sep. 2024 (0.06) to Sep. 2025 (0.20). It may suggest that Software Circle is progressively becoming more dependent on debt to grow their business.

Software Circle (LSE:SFT) 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.

Software Circle LT-Debt-to-Total-Asset Related Terms

Software Circle LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Software Circle'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.

Software Circle LT-Debt-to-Total-Asset Chart

Software Circle Annual Data

Trend

Mar16

Mar17

Mar18

Mar19

Mar20

Mar21

Mar22

Mar23

Mar24

Mar25

LT-Debt-to-Total-Asset

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0.45

0.33

0.63

0.20

0.21

Software Circle Semi-Annual Data
	Mar16	Sep16	Mar17	Sep17	Mar18	Sep18	Mar19	Sep19	Mar20	Sep20	Mar21	Sep21	Mar22	Sep22	Mar23	Sep23	Mar24	Sep24	Mar25	Sep25
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.21	0.20	0.06	0.21	0.20

39GF Score

Software Circle PLC LSE:SFT

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Software Circle LT-Debt-to-Total-Asset Calculation

Software Circle's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2025 is calculated as

LT Debt to Total Assets (A: Mar. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Mar. 2025 )	/	Total Assets (A: Mar. 2025 )
	=	8.108	/	38.099
	=	0.21

Software Circle's Long-Term Debt to Total Asset Ratio for the quarter that ended in Sep. 2025 is calculated as

LT Debt to Total Assets (Q: Sep. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Sep. 2025 )	/	Total Assets (Q: Sep. 2025 )
	=	7.683	/	38.615
	=	0.20

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

What does a LT-Debt-to-Total-Asset of 0.20 mean?

Software Circle (LSE:SFT) has a LT-Debt-to-Total-Asset of 0.20 as of Sep. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Software Circle and its competitors.

Is Software Circle's LT-Debt-to-Total-Asset too high?

Software Circle's current LT-Debt-to-Total-Asset is 0.20. Overall, Software Circle has a GF Score™ of 39/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Software Circle's LT-Debt-to-Total-Asset compare to CTAS and CPRT?

Software Circle's LT-Debt-to-Total-Asset of 0.20 can be compared against companies in the Business 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 Business Services company?

A good LT-Debt-to-Total-Asset depends on the Business 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 Software Circle and its competitors. Software Circle's current LT-Debt-to-Total-Asset is 0.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Software Circle stock overvalued right now?

Based on GuruFocus' analysis, Software Circle (LSE:SFT) is currently considered Significantly Overvalued. The stock's GF Value™ is £0.12, compared to a current price of £0.16 — trading 33.3% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.20. Software Circle's overall GF Score™ is 39/100 with 4 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 Software Circle (LSE:SFT), the current LT-Debt-to-Total-Asset is 0.20 as of Sep. 2025. 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 Software Circle (LSE:SFT) Overvalued in 2026?

Based on GuruFocus' analysis, Software Circle stock appears to be overvalued. The current stock price of £0.16 is trading 33.3% above its estimated GF Value™ of £0.12. GuruFocus considers Software Circle to be Significantly Overvalued.

Key valuation signals for LSE:SFT:

LT-Debt-to-Total-Asset: 0.20
GF Value™: £0.12 vs. price of £0.16 (33.3% above fair value)
GF Score™: 39/100 with 4 warning signs

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

Software Circle Business Description

Industry Industrials Business Services

Comparable Companies LSE:WATR LSE:CTG LSE:VNET LSE:DSW LSE:REAT LSE:MIND LSE:CPP LSE:GNIP LSE:KGH LSE:KEYS CTAS LSE:REL TSX:TRI CPRT TSX:RBA ULS GPN ASX:BXB ARMK XAMS:WKL

Address 98 King Street, C/o Gateley Legal, Ship Canal House, Manchester, GBR, M2 4WU

Website https://www.softwarecircle.com

Software Circle PLC is a UK-based company that is an acquirer of great vertical market software businesses. The company operates complex logistics, a SaaS platform, and brands that sell print and web to business customers. The segmental analysis by nature of service includes license fees, company-owned studio revenue, brand partner print, and online sales plus trade print. Some of its brands include Nettl, watermark, and Topfloor. Geographically it has its business across the region of the UK and Ireland, Europe, and others of which the UK and Ireland's region accounts for a majority of the revenue.

39GF Score

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£0.16

Price

£0.12

GF Value

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