Fidelity Bank (NSA:FBP) LT-Debt-to-Total-Asset: 0.09 (As of Mar. 2026)

What is Fidelity Bank LT-Debt-to-Total-Asset?

Fidelity Bank NSA:FBP 71 LT-Debt-to-Total-Asset is 0.09 as of Mar. 2026. GuruFocus rates NSA:FBP with a GF Score™ of 71/100 and a GF Value™ of ₦14.18 (Modestly 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. Fidelity Bank's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.09.

Fidelity Bank's long-term debt to total assets ratio declined from Mar. 2025 (0.11) to Mar. 2026 (0.09). It may suggest that Fidelity Bank is progressively becoming less dependent on debt to grow their business.

Fidelity Bank (NSA:FBP) 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.

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

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

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The historical data trend for Fidelity 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.

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

Fidelity Bank Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.24

0.18

0.16

0.14

0.10

Fidelity Bank Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.11	0.11	0.13	0.10	0.09

71GF Score

Fidelity Bank PLC NSA:FBP

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Fidelity Bank LT-Debt-to-Total-Asset Calculation

Fidelity 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 )
	=	1061577	/	10463815
	=	0.10

Fidelity Bank's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	1014903	/	11354300
	=	0.09

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

What does a LT-Debt-to-Total-Asset of 0.09 mean?

Fidelity Bank (NSA:FBP) has a LT-Debt-to-Total-Asset of 0.09 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Fidelity Bank and its competitors.

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

Fidelity Bank's current LT-Debt-to-Total-Asset is 0.09. Overall, Fidelity Bank has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Fidelity Bank's LT-Debt-to-Total-Asset compare to competitors?

Fidelity 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 Fidelity Bank and its competitors. Fidelity 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 Fidelity Bank stock overvalued right now?

Based on GuruFocus' analysis, Fidelity Bank (NSA:FBP) is currently considered Modestly Overvalued. The stock's GF Value™ is ₦14.18, compared to a current price of ₦18.35 — trading 29.4% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.09. Fidelity Bank's overall GF Score™ is 71/100 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 Fidelity Bank (NSA:FBP), the current LT-Debt-to-Total-Asset is 0.09 as of Mar. 2026. 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 Fidelity Bank (NSA:FBP) Overvalued in 2026?

Based on GuruFocus' analysis, Fidelity Bank stock appears to be overvalued. The current stock price of ₦18.35 is trading 29.4% above its estimated GF Value™ of ₦14.18. GuruFocus considers Fidelity Bank to be Modestly Overvalued.

Key valuation signals for NSA:FBP:

LT-Debt-to-Total-Asset: 0.09
GF Value™: ₦14.18 vs. price of ₦18.35 (29.4% above fair value)
GF Score™: 71/100 with 4 warning signs

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

Fidelity Bank Business Description

Industry Financial Services Banks

Comparable Companies NSA:WEMA NSA:ACCESSCORP NSA:FCMB NSA:JAIZBANK NSA:STERLINGNG NSA:ABBEYBDS NSA:ETI NSA:STANBIC NSA:FIRSTHOLDCO NSA:ZENITH SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 1 Fidelity Bank Close Off Kofo Abayomi Street, Fidelity Place, Victoria Island, Lagos, NGA

Website https://www.fidelitybank.ng

Fidelity Bank PLC offers banking and other financial services to corporate and individual customers. It operates through segments including Retail banking that offers retail, personal and commercial services to individuals, small and medium business customers and E-Business products to serve retail banking; Its Corporate Banking segment offers commercial and corporate banking services to corporate business customers, it covers the Power and Infrastructure, Oil and Gas Upstream and downstream, Real Estate, Agro-Allied, and other industries; and Investment banking segment is involved in the funding and management of the bank's securities, trading, and investment decisions. It generates maximum revenue from the Retail Segment.

71GF Score

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

₦18.35

Price

₦14.18

GF Value

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