Shawbrook Group (LSE:SHAA) LT-Debt-to-Total-Asset: 0.03 (As of Dec. 2025)


What is Shawbrook Group LT-Debt-to-Total-Asset?

Shawbrook Group LSE:SHAA 42 LT-Debt-to-Total-Asset is 0.03 as of Dec. 2025. GuruFocus rates LSE:SHAA with a GF Score™ of 42/100. The stock has 2 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. Shawbrook Group's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.03.

Shawbrook Group's long-term debt to total assets ratio declined from Dec. 2024 (0.04) to Dec. 2025 (0.03). It may suggest that Shawbrook Group is progressively becoming less dependent on debt to grow their business.

Shawbrook Group  (LSE:SHAA) 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.

Shawbrook Group LT-Debt-to-Total-Asset Related Terms

Shawbrook Group LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Shawbrook 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.

Shawbrook Group LT-Debt-to-Total-Asset Chart

Shawbrook Group Annual Data
Trend Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only 0.02 0.01 0.04 0.04 0.03

Shawbrook Group Semi-Annual Data
Dec12 Dec13 Jun14 Dec14 Jun15 Dec15 Jun16 Dec16 Dec17 Dec23 Jun24 Dec24 Jun25 Dec25
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 0.04 0.00 0.04 0.03 0.03

Shawbrook Group LT-Debt-to-Total-Asset Calculation

Shawbrook 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 )
=608.6/22468.9
=0.03

Shawbrook Group's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )/Total Assets (Q: Dec. 2025 )
=608.6/22468.9
=0.03

* 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 0.03 mean?
Shawbrook Group (LSE:SHAA) has a LT-Debt-to-Total-Asset of 0.03 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Shawbrook Group and its competitors.
Is Shawbrook Group's LT-Debt-to-Total-Asset too high?
Shawbrook Group's current LT-Debt-to-Total-Asset is 0.03. Overall, Shawbrook Group has a GF Score™ of 42/100, reflecting its overall financial health beyond just this single metric.
How does Shawbrook Group's LT-Debt-to-Total-Asset compare to competitors?
Shawbrook Group's LT-Debt-to-Total-Asset of 0.03 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 Shawbrook Group and its competitors. Shawbrook Group's current LT-Debt-to-Total-Asset is 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shawbrook Group stock overvalued right now?
Shawbrook Group (LSE:SHAA) has a current LT-Debt-to-Total-Asset of 0.03. The current LT-Debt-to-Total-Asset is 0.03. Shawbrook Group's overall GF Score™ is 42/100 with 2 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 Shawbrook Group (LSE:SHAA), the current LT-Debt-to-Total-Asset is 0.03 as of Dec. 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.

Shawbrook Group Business Description

Other Exchanges SHAWl:UKSHAW:UKZ9W:Germany
Address The Drive, Great Warley, Lutea House, Warley Hill Business Park, Brentwood, Essex, GBR, CM13 3BE
Shawbrook Group PLC is a specialist savings and lending bank operating in the United Kingdom. It focuses mostly on poorly served customer segments across the small to medium-size enterprise and retail market of the island nation. Shawbrook's primary markets include property, business, and consumer finance. The company has grown since its founding through mostly acquisitions. Net operating income mostly derives from asset finance, commercial mortgages, and secured lending. Shawbrook emphasizes customer service, and reputation. The company operates in four segments Real Estate, SME, Consumer Finance and Retail Mortgage Brands.