LivingTrust Mortgage Bank (NSA:LIVINGTRUST) LT-Debt-to-Total-Asset: 0.07 (As of Dec. 2025)

What is LivingTrust Mortgage Bank LT-Debt-to-Total-Asset?

LivingTrust Mortgage Bank NSA:LIVINGTRUST -9.84% 62 LT-Debt-to-Total-Asset is 0.07 as of Dec. 2025. GuruFocus rates NSA:LIVINGTRUST with a GF Score™ of 62/100 and a GF Value™ of ₦6.01 (Significantly Undervalued). The stock has 3 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. LivingTrust Mortgage Bank's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.07.

LivingTrust Mortgage Bank's long-term debt to total assets ratio declined from Dec. 2024 (0.12) to Dec. 2025 (0.07). It may suggest that LivingTrust Mortgage Bank is progressively becoming less dependent on debt to grow their business.

LivingTrust Mortgage Bank (NSA:LIVINGTRUST) 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.

LivingTrust Mortgage Bank LT-Debt-to-Total-Asset Related Terms

LivingTrust Mortgage Bank LT-Debt-to-Total-Asset Historical Data

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The historical data trend for LivingTrust Mortgage 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.

LivingTrust Mortgage Bank LT-Debt-to-Total-Asset Chart

LivingTrust Mortgage Bank Annual Data

Trend

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.20

0.22

0.17

0.12

0.07

LivingTrust Mortgage Bank Quarterly Data
	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.12	0.10	0.09	0.08	0.07

62GF Score

LivingTrust Mortgage Bank PLC NSA:LIVINGTRUST

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LivingTrust Mortgage Bank LT-Debt-to-Total-Asset Calculation

LivingTrust Mortgage 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 )
	=	2336.251	/	32739.993
	=	0.07

LivingTrust Mortgage 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 )
	=	2336.251	/	32739.993
	=	0.07

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

What does a LT-Debt-to-Total-Asset of 0.07 mean?

LivingTrust Mortgage Bank (NSA:LIVINGTRUST) has a LT-Debt-to-Total-Asset of 0.07 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 LivingTrust Mortgage Bank and its competitors.

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

LivingTrust Mortgage Bank's current LT-Debt-to-Total-Asset is 0.07. Overall, LivingTrust Mortgage Bank has a GF Score™ of 62/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.

How does LivingTrust Mortgage Bank's LT-Debt-to-Total-Asset compare to RKT and FNMA?

LivingTrust Mortgage Bank's LT-Debt-to-Total-Asset of 0.07 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 LivingTrust Mortgage Bank and its competitors. LivingTrust Mortgage Bank's current LT-Debt-to-Total-Asset is 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is LivingTrust Mortgage Bank stock overvalued right now?

Based on GuruFocus' analysis, LivingTrust Mortgage Bank (NSA:LIVINGTRUST) is currently considered Significantly Undervalued. The stock's GF Value™ is ₦6.01, compared to a current price of ₦3.39 — trading 43.6% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.07. LivingTrust Mortgage Bank's overall GF Score™ is 62/100 with 3 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 LivingTrust Mortgage Bank (NSA:LIVINGTRUST), the current LT-Debt-to-Total-Asset is 0.07 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 LivingTrust Mortgage Bank (NSA:LIVINGTRUST) Overvalued in 2026?

Based on GuruFocus' analysis, LivingTrust Mortgage Bank stock appears to be undervalued. The current stock price of ₦3.39 is trading 43.6% below its estimated GF Value™ of ₦6.01. GuruFocus considers LivingTrust Mortgage Bank to be Significantly Undervalued.

Key valuation signals for NSA:LIVINGTRUST:

LT-Debt-to-Total-Asset: 0.07
GF Value™: ₦6.01 vs. price of ₦3.39 (43.6% below fair value)
GF Score™: 62/100 with 3 warning signs

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

LivingTrust Mortgage Bank Business Description

Industry Financial Services Banks

Comparable Companies RKT FNMA NSE:BAJAJHFL PFSI FMCC NSE:LICHSGFIN NSE:PNBHOUSING LSE:OSB NSE:AADHARHFC BOM:535789 LSE:PAG WD BOM:543335 BOM:543259 BOM:541988 BOM:511196 BOM:544044 UWMC TSX:MKP VEL

Address Gbongan Road, Km 2, Osun State, Osogbo, NGA, 4488

Website https://www.livingtrustng.com

LivingTrust Mortgage Bank PLC is a Nigerian mortgage banking institution, with its principal business being the provision of mortgage banking and related financial intermediation services. The Bank operates as a single reportable business segment focused on mortgage banking and construction finance in accordance with Central Bank of Nigeria guidelines. Its products include mortgages and loans, as well as other banking services. The Bank provides services to individual, group, and corporate customers, including mortgage loan origination, housing finance, and financial support for micro, small, and medium-sized enterprises as part of its financial inclusion mandate.

62GF 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.

₦3.39

Price

₦6.01

GF Value

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