Standard Bank Group (NAM:SNB) LT-Debt-to-Total-Asset: 0.04 (As of Dec. 2025)


NAM:SNB Standard Bank Group Ltd NAM:SNB
67 GF Score
Price R314.30
GF Value R237.42
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Standard Bank Group LT-Debt-to-Total-Asset?

Standard Bank Group NAM:SNB -2.71% 67 LT-Debt-to-Total-Asset is 0.04 as of Dec. 2025. GuruFocus rates NAM:SNB with a GF Score™ of 67/100 and a GF Value™ of R237.42 (Significantly Overvalued). 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. Standard Bank Group's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.04.

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

Standard Bank Group  (NAM:SNB) 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.

Standard Bank Group LT-Debt-to-Total-Asset Related Terms

Standard Bank Group LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Standard Bank 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.

Standard Bank Group LT-Debt-to-Total-Asset Chart

Standard Bank 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 0.05 0.01 0.05 0.04 0.04

Standard Bank Group 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 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 0.05 0.01 0.04 0.01 0.04
NAM:SNB
67GF Score
Standard Bank Group Ltd NAM:SNB
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Standard Bank Group LT-Debt-to-Total-Asset Calculation

Standard Bank 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 )
=144081/3620854
=0.04

Standard Bank 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 )
=144081/3620854
=0.04

* 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 0.04 mean?
Standard Bank Group (NAM:SNB) has a LT-Debt-to-Total-Asset of 0.04 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 Standard Bank Group and its competitors.
Is Standard Bank Group's LT-Debt-to-Total-Asset too high?
Standard Bank Group's current LT-Debt-to-Total-Asset is 0.04. Overall, Standard Bank Group has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Bank Group's LT-Debt-to-Total-Asset compare to PNC and USB?
Standard Bank Group's LT-Debt-to-Total-Asset of 0.04 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 Standard Bank Group and its competitors. Standard Bank Group's current LT-Debt-to-Total-Asset is 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Bank Group stock overvalued right now?
Based on GuruFocus' analysis, Standard Bank Group (NAM:SNB) is currently considered Significantly Overvalued. The stock's GF Value™ is R237.42, compared to a current price of R314.30 — trading 32.4% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.04. Standard Bank Group's overall GF Score™ is 67/100 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 Standard Bank Group (NAM:SNB), the current LT-Debt-to-Total-Asset is 0.04 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 Standard Bank Group (NAM:SNB) Overvalued in 2026?

Based on GuruFocus' analysis, Standard Bank Group stock appears to be overvalued. The current stock price of R314.30 is trading 32.4% above its estimated GF Value™ of R237.42. GuruFocus considers Standard Bank Group to be Significantly Overvalued.

Key valuation signals for NAM:SNB:

  • LT-Debt-to-Total-Asset: 0.04
  • GF Value™: R237.42 vs. price of R314.30 (32.4% above fair value)
  • GF Score™: 67/100 with 6 warning signs

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

Standard Bank Group Business Description

Address 5 Simmonds Street, 9th Floor, Standard Bank Centre, Johannesburg, GT, ZAF, 2001
Standard Bank Group Ltd provides banking and other financial services. Its operating model is client-led and structured around its business units, which are Personal & Private Banking (PPB), Business and Commercial Banking (BCB), Corporate and Investment Banking (CIB), and Insurance & Asset Management (IAM). It offers credit cards, mortgages, vehicle loans, insurance, and other lending and transactional products. Geographically, the company derives its maximum revenue from South Africa, followed by other African and international regions.
67GF Score

Get the complete analysis for NAM:SNB

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

R314.30
Price
R237.42
GF Value