Sterling Financial Holdings Co (NSA:STERLINGNG) LT-Debt-to-Total-Asset: 0.05 (As of Dec. 2025)

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NSA:STERLINGNG Sterling Financial Holdings Co PLC NSA:STERLINGNG
49 GF Score
Price ₦7.75
GF Value ₦5.70
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Sterling Financial Holdings Co LT-Debt-to-Total-Asset?

Sterling Financial Holdings Co NSA:STERLINGNG +1.97% 49 LT-Debt-to-Total-Asset is 0.05 as of Dec. 2025. GuruFocus rates NSA:STERLINGNG with a GF Score™ of 49/100 and a GF Value™ of ₦5.70 (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. Sterling Financial Holdings Co's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.05.

Sterling Financial Holdings Co's long-term debt to total assets ratio declined from Mar. 2024 (0.07) to Dec. 2025 (0.05). It may suggest that Sterling Financial Holdings Co is progressively becoming less dependent on debt to grow their business.

Sterling Financial Holdings Co  (NSA:STERLINGNG) 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.

Sterling Financial Holdings Co LT-Debt-to-Total-Asset Related Terms

Sterling Financial Holdings Co LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Sterling Financial Holdings Co'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.

Sterling Financial Holdings Co LT-Debt-to-Total-Asset Chart

Sterling Financial Holdings Co 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 0.04 0.05 0.07 0.06 0.05

Sterling Financial Holdings Co Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 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 0.07 0.07 0.06 0.06 0.05
NSA:STERLINGNG
49GF Score
Sterling Financial Holdings Co PLC NSA:STERLINGNG
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Sterling Financial Holdings Co LT-Debt-to-Total-Asset Calculation

Sterling Financial Holdings Co'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 )
=200131/3911642
=0.05

Sterling Financial Holdings Co'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 )
=200131/3911642
=

* 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 0.05 mean?
Sterling Financial Holdings Co (NSA:STERLINGNG) has a LT-Debt-to-Total-Asset of 0.05 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 Sterling Financial Holdings Co and its competitors.
Is Sterling Financial Holdings Co's LT-Debt-to-Total-Asset too high?
Sterling Financial Holdings Co's current LT-Debt-to-Total-Asset is 0.05. Overall, Sterling Financial Holdings Co has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sterling Financial Holdings Co's LT-Debt-to-Total-Asset compare to PNC and USB?
Sterling Financial Holdings Co's LT-Debt-to-Total-Asset of 0.05 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 Sterling Financial Holdings Co and its competitors. Sterling Financial Holdings Co's current LT-Debt-to-Total-Asset is 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sterling Financial Holdings Co stock overvalued right now?
Based on GuruFocus' analysis, Sterling Financial Holdings Co (NSA:STERLINGNG) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦5.70, compared to a current price of ₦7.75 — trading 36% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.05. Sterling Financial Holdings Co's overall GF Score™ is 49/100 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 Sterling Financial Holdings Co (NSA:STERLINGNG), the current LT-Debt-to-Total-Asset is 0.05 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 Sterling Financial Holdings Co (NSA:STERLINGNG) Overvalued in 2026?

Based on GuruFocus' analysis, Sterling Financial Holdings Co stock appears to be overvalued. The current stock price of ₦7.75 is trading 36% above its estimated GF Value™ of ₦5.70. GuruFocus considers Sterling Financial Holdings Co to be Significantly Overvalued.

Key valuation signals for NSA:STERLINGNG:

  • LT-Debt-to-Total-Asset: 0.05
  • GF Value™: ₦5.70 vs. price of ₦7.75 (36% above fair value)
  • GF Score™: 49/100 with 5 warning signs

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

Sterling Financial Holdings Co Business Description

Address 20, Marina, Sterling Towers, Lagos Island, Lagos, NGA
Sterling Financial Holdings Co PLC is a developer of a nonoperating financial holding structure designed to support and grow a diversified portfolio of banking and financial service companies. The company offers commercial banking, non-interest banking, and asset management through subsidiaries, enabling individuals, businesses, and institutions to access loans, trade finance, digital banking, and investment products. The Group has five reportable segments: Retail Banking, Commercial Banking, Institutional Banking, Corporate & Investment Banking, and Special Purpose Vehicle (SPV), which are the Bank's strategic business units.
49GF Score

Get the complete analysis for NSA:STERLINGNG

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

₦7.75
Price
₦5.70
GF Value