The South Indian Bank (NSE:SOUTHBANK) LT-Debt-to-Total-Asset: 0.03 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:SOUTHBANK The South Indian Bank Ltd NSE:SOUTHBANK
62 GF Score
Price ₹46.52
GF Value ₹26.09
Valuation Significantly Overvalued
! 8 Warning Signs
View Full Analysis

What is The South Indian Bank LT-Debt-to-Total-Asset?

The South Indian Bank NSE:SOUTHBANK -2.06% 62 LT-Debt-to-Total-Asset is 0.03 as of Jun. 2026. GuruFocus rates NSE:SOUTHBANK with a GF Score™ of 62/100 and a GF Value™ of ₹26.09 (Significantly Overvalued). The stock has 8 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. The South Indian Bank's long-term debt to total assests ratio for the quarter that ended in Jun. 2026 was 0.03.

The South Indian Bank's long-term debt to total assets ratio increased from Jun. 2025 (0.01) to Jun. 2026 (0.03). It may suggest that The South Indian Bank is progressively becoming more dependent on debt to grow their business.

The South Indian Bank  (NSE:SOUTHBANK) 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.

The South Indian Bank LT-Debt-to-Total-Asset Related Terms

The South Indian Bank LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for The South Indian 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.

The South Indian Bank LT-Debt-to-Total-Asset Chart

The South Indian Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.03 0.06 0.03 0.02 0.03

The South Indian Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 0.01 0.05 0.05 0.03 0.03
NSE:SOUTHBANK
62GF Score
The South Indian Bank Ltd NSE:SOUTHBANK
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

The South Indian Bank LT-Debt-to-Total-Asset Calculation

The South Indian Bank's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )/Total Assets (A: Mar. 2026 )
=39270.1/1417564.6
=0.03

The South Indian Bank's Long-Term Debt to Total Asset Ratio for the quarter that ended in Jun. 2026 is calculated as

LT Debt to Total Assets (Q: Jun. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Jun. 2026 )/Total Assets (Q: Jun. 2026 )
=36069.4/1444508.3
=0.02

* 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 0.03 mean?
The South Indian Bank (NSE:SOUTHBANK) has a LT-Debt-to-Total-Asset of 0.03 as of Jun. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on The South Indian Bank and its competitors.
Is The South Indian Bank's LT-Debt-to-Total-Asset too high?
The South Indian Bank's current LT-Debt-to-Total-Asset is 0.03. Overall, The South Indian Bank has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The South Indian Bank's LT-Debt-to-Total-Asset compare to competitors?
The South Indian Bank's LT-Debt-to-Total-Asset of 0.03 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 The South Indian Bank and its competitors. The South Indian Bank's current LT-Debt-to-Total-Asset is 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The South Indian Bank stock overvalued right now?
Based on GuruFocus' analysis, The South Indian Bank (NSE:SOUTHBANK) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹26.09, compared to a current price of ₹46.52 — trading 78.3% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.03. The South Indian Bank's overall GF Score™ is 62/100 with 8 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 The South Indian Bank (NSE:SOUTHBANK), the current LT-Debt-to-Total-Asset is 0.03 as of Jun. 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 The South Indian Bank (NSE:SOUTHBANK) Overvalued in 2026?

Based on GuruFocus' analysis, The South Indian Bank stock appears to be overvalued. The current stock price of ₹46.52 is trading 78.3% above its estimated GF Value™ of ₹26.09. GuruFocus considers The South Indian Bank to be Significantly Overvalued.

Key valuation signals for NSE:SOUTHBANK:

  • LT-Debt-to-Total-Asset: 0.03
  • GF Value™: ₹26.09 vs. price of ₹46.52 (78.3% above fair value)
  • GF Score™: 62/100 with 8 warning signs

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

The South Indian Bank Business Description

Other Exchanges 532218:India
Address TB Road, SIB House, Mission Quarters, Thrissur, KL, IND, 680001
The South Indian Bank Ltd operates in the Indian banking sector. The company's operating segments include Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking operations. Corporate/Wholesale Banking segment provides loans to the corporate segment identified based on RBI guidelines. The Retail Banking segment provides loans to non-corporate customers. Treasury segment constitutes interest earnings on investment portfolios and foreign exchange activities. The Other Banking Operations segment includes income from para-banking activities. It generates maximum revenue from the Retail Banking segment. Geographically, it operates in India.
62GF Score

Get the complete analysis for NSE:SOUTHBANK

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

₹46.52
Price
₹26.09
GF Value