FCMB Group (NSA:FCMB) LT-Debt-to-Total-Asset: 0.11 (As of Mar. 2026)


NSA:FCMB FCMB Group PLC NSA:FCMB
55 GF Score
Price ₦9.95
GF Value ₦7.30
Valuation Significantly Overvalued
! 5 Warning Signs
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What is FCMB Group LT-Debt-to-Total-Asset?

FCMB Group NSA:FCMB +0.51% 55 LT-Debt-to-Total-Asset is 0.11 as of Mar. 2026. GuruFocus rates NSA:FCMB with a GF Score™ of 55/100 and a GF Value™ of ₦7.30 (Significantly Overvalued). The stock has 5 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. FCMB Group's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.11.

FCMB Group's long-term debt to total assets ratio stayed the same from Mar. 2025 (0.11) to Mar. 2026 (0.11).

FCMB Group  (NSA:FCMB) 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.

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

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

* Premium members only.

The historical data trend for FCMB 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.

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

FCMB 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 0.09 0.11 0.08 0.10 0.09

FCMB Group 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 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 0.11 0.11 0.10 0.09 0.11
NSA:FCMB
55GF Score
FCMB Group PLC NSA:FCMB
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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FCMB Group LT-Debt-to-Total-Asset Calculation

FCMB 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 )
=711777.472/7630988.779
=0.09

FCMB Group'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 )
=895916.084/7964005.564
=0.11

* 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 0.11 mean?
FCMB Group (NSA:FCMB) has a LT-Debt-to-Total-Asset of 0.11 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 FCMB Group and its competitors.
Is FCMB Group's LT-Debt-to-Total-Asset too high?
FCMB Group's current LT-Debt-to-Total-Asset is 0.11. Overall, FCMB Group has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FCMB Group's LT-Debt-to-Total-Asset compare to PNC?
FCMB Group's LT-Debt-to-Total-Asset of 0.11 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 FCMB Group and its competitors. FCMB Group's current LT-Debt-to-Total-Asset is 0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FCMB Group stock overvalued right now?
Based on GuruFocus' analysis, FCMB Group (NSA:FCMB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦7.30, compared to a current price of ₦9.95 — trading 36.3% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.11. FCMB Group's overall GF Score™ is 55/100 with 5 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 FCMB Group (NSA:FCMB), the current LT-Debt-to-Total-Asset is 0.11 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 FCMB Group (NSA:FCMB) Overvalued in 2026?

Based on GuruFocus' analysis, FCMB Group stock appears to be overvalued. The current stock price of ₦9.95 is trading 36.3% above its estimated GF Value™ of ₦7.30. GuruFocus considers FCMB Group to be Significantly Overvalued.

Key valuation signals for NSA:FCMB:

  • LT-Debt-to-Total-Asset: 0.11
  • GF Value™: ₦7.30 vs. price of ₦9.95 (36.3% above fair value)
  • GF Score™: 55/100 with 5 warning signs

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

FCMB Group Business Description

Address 44 Marina, 5th Floor, First City Plaza, Lagos, NGA
FCMB Group PLC provides banking services. Its segments include Investment Banking, Investment Management, SME Banking, Commercial Banking, Corporate Banking, Personal Banking, Institutional Banking, and Treasury and Financial Markets. The majority of the revenue is derived from Corporate Banking which incorporates direct debit facilities, current accounts, deposits, overdrafts, loan and other credit facilities, foreign currency and derivative products. The corporate banking business unit caters for the specific needs of companies and financial institutions. It operates in two geographic regions, being: Nigeria and Europe (UK).
55GF Score

Get the complete analysis for NSA:FCMB

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

₦9.95
Price
₦7.30
GF Value