Abbey Bank (NSA:ABBEYBANK) LT-Debt-to-Total-Asset: 0.09 (As of Dec. 2025)

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NSA:ABBEYBANK Abbey Bank PLC NSA:ABBEYBANK
36 GF Score
Price ₦7.70
GF Value ₦5.75
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Abbey Bank LT-Debt-to-Total-Asset?

Abbey Bank NSA:ABBEYBANK +10.00% 36 LT-Debt-to-Total-Asset is 0.09 as of Dec. 2025. GuruFocus rates NSA:ABBEYBANK with a GF Score™ of 36/100 and a GF Value™ of ₦5.75 (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. Abbey Bank's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.09.

Abbey Bank's long-term debt to total assets ratio increased from Dec. 2023 (0.08) to Dec. 2025 (0.09). It may suggest that Abbey Bank is progressively becoming more dependent on debt to grow their business.

Abbey Bank  (NSA:ABBEYBANK) 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.

Abbey Bank LT-Debt-to-Total-Asset Related Terms

Abbey Bank LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Abbey Bank'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.

Abbey Bank LT-Debt-to-Total-Asset Chart

Abbey Bank 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 0.01 0.01 0.08 0.06 0.09

Abbey Bank Semi-Annual Data
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 0.01 0.01 0.08 0.06 0.09
NSA:ABBEYBANK
36GF Score
Abbey Bank PLC NSA:ABBEYBANK
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Abbey Bank LT-Debt-to-Total-Asset Calculation

Abbey Bank'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 )
=14433.287/165828.795
=0.09

Abbey Bank'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 )
=14433.287/165828.795
=0.09

* 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 0.09 mean?
Abbey Bank (NSA:ABBEYBANK) has a LT-Debt-to-Total-Asset of 0.09 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 Abbey Bank and its competitors.
Is Abbey Bank's LT-Debt-to-Total-Asset too high?
Abbey Bank's current LT-Debt-to-Total-Asset is 0.09. Overall, Abbey Bank has a GF Score™ of 36/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Abbey Bank's LT-Debt-to-Total-Asset compare to USB and PNC?
Abbey Bank's LT-Debt-to-Total-Asset of 0.09 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 Abbey Bank and its competitors. Abbey Bank's current LT-Debt-to-Total-Asset is 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abbey Bank stock overvalued right now?
Based on GuruFocus' analysis, Abbey Bank (NSA:ABBEYBANK) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦5.75, compared to a current price of ₦7.70 — trading 33.9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.09. Abbey Bank's overall GF Score™ is 36/100 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 Abbey Bank (NSA:ABBEYBANK), the current LT-Debt-to-Total-Asset is 0.09 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 Abbey Bank (NSA:ABBEYBANK) Overvalued in 2026?

Based on GuruFocus' analysis, Abbey Bank stock appears to be overvalued. The current stock price of ₦7.70 is trading 33.9% above its estimated GF Value™ of ₦5.75. GuruFocus considers Abbey Bank to be Significantly Overvalued.

Key valuation signals for NSA:ABBEYBANK:

  • LT-Debt-to-Total-Asset: 0.09
  • GF Value™: ₦5.75 vs. price of ₦7.70 (33.9% above fair value)
  • GF Score™: 36/100 with 4 warning signs

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

Abbey Bank Business Description

Address No 23, Karimu Kotun Street, Victoria Island, Lagos, NGA
Abbey Mortgage Bank PLC provides loan, mortgage, and banking services to corporate and individual customers. The Bank's operations are geographically divided into two segments based on its operations within northern and southern Nigeria The company offers a savings account, deposits, fund management services, personal loans, real estate and mortgage services, and construction financing, among others.
36GF Score

Get the complete analysis for NSA:ABBEYBANK

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

₦7.70
Price
₦5.75
GF Value