HSBC Bank Malta (MAL:HSB) LT-Debt-to-Total-Asset: 0.03 (As of Dec. 2025)

What is HSBC Bank Malta LT-Debt-to-Total-Asset?

HSBC Bank Malta MAL:HSB 53 LT-Debt-to-Total-Asset is 0.03 as of Dec. 2025. GuruFocus rates MAL:HSB with a GF Score™ of 53/100 and a GF Value™ of €1.32 (Fairly Valued). The stock has 6 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. HSBC Bank Malta's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.03.

HSBC Bank Malta's long-term debt to total assets ratio increased from Dec. 2024 (0.02) to Dec. 2025 (0.03). It may suggest that HSBC Bank Malta is progressively becoming more dependent on debt to grow their business.

HSBC Bank Malta (MAL:HSB) 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.

HSBC Bank Malta LT-Debt-to-Total-Asset Related Terms

HSBC Bank Malta LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for HSBC Bank Malta'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.

HSBC Bank Malta LT-Debt-to-Total-Asset Chart

HSBC Bank Malta Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

Get a 7-Day Free Trial

0.02

0.03

HSBC Bank Malta Semi-Annual Data
	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.02	0.02	0.03	0.03

53GF Score

HSBC Bank Malta PLC MAL:HSB

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

View Full Analysis

HSBC Bank Malta LT-Debt-to-Total-Asset Calculation

HSBC Bank Malta'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 )
	=	217.164	/	8151.127
	=	0.03

HSBC Bank Malta'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 )
	=	217.164	/	8151.127
	=	0.03

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

What does a LT-Debt-to-Total-Asset of 0.03 mean?

HSBC Bank Malta (MAL:HSB) 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 HSBC Bank Malta and its competitors.

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

HSBC Bank Malta's current LT-Debt-to-Total-Asset is 0.03. Overall, HSBC Bank Malta has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does HSBC Bank Malta's LT-Debt-to-Total-Asset compare to PNC and USB?

HSBC Bank Malta'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 HSBC Bank Malta and its competitors. HSBC Bank Malta'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 HSBC Bank Malta stock overvalued right now?

Based on GuruFocus' analysis, HSBC Bank Malta (MAL:HSB) is currently considered Fairly Valued. The stock's GF Value™ is €1.32, compared to a current price of €1.43 — trading 8.3% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.03. HSBC Bank Malta's overall GF Score™ is 53/100 with 6 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 HSBC Bank Malta (MAL:HSB), 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.

Is HSBC Bank Malta (MAL:HSB) Overvalued in 2026?

Based on GuruFocus' analysis, HSBC Bank Malta stock appears to be overvalued. The current stock price of €1.43 is trading 8.3% above its estimated GF Value™ of €1.32. GuruFocus considers HSBC Bank Malta to be Fairly Valued.

Key valuation signals for MAL:HSB:

LT-Debt-to-Total-Asset: 0.03
GF Value™: €1.32 vs. price of €1.43 (8.3% above fair value)
GF Score™: 53/100 with 6 warning signs

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

HSBC Bank Malta Business Description

Industry Financial Services Banks

Comparable Companies MAL:APS MAL:LOM MAL:BOV SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN XMAD:CABK PNC USB BSP:ITUB3 SGX:O39 LSE:LLOY HKSE:01658

Address 116 Archbishop Street, Valletta, MLT, VLT 1444

Website https://www.hsbc.com.mt

HSBC Bank Malta PLC is a member of the HSBC Group. The Bank provides a comprehensive range of financial services designed to meet the expanding requirements of its large client base of personal and corporate customers. The company's operating segments include Wealth and Personal Banking, Commercial Banking, and Global Markets. It derives maximum revenue from the Wealth and Personal Banking segment, which caters to individual customers, offering personal banking products (current and savings accounts, mortgages and personal loans, credit cards, debit cards, etc.) and wealth management services (insurance and investment products, asset management services, and financial planning services).

53GF Score

Get the complete analysis for MAL:HSB

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

€1.43

Price

€1.32

GF Value

View MAL:HSB Analysis

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