Islandsbanki hf (OISE:ISB) LT-Debt-to-Total-Asset: 0.28 (As of Mar. 2026)

What is Islandsbanki hf LT-Debt-to-Total-Asset?

Islandsbanki hf OISE:ISB -1.28% 70 LT-Debt-to-Total-Asset is 0.28 as of Mar. 2026. GuruFocus rates OISE:ISB with a GF Score™ of 70/100 and a GF Value™ of kr145.40 (Fairly Valued). 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. Islandsbanki hf's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.28.

Islandsbanki hf's long-term debt to total assets ratio increased from Mar. 2025 (0.27) to Mar. 2026 (0.28). It may suggest that Islandsbanki hf is progressively becoming more dependent on debt to grow their business.

Islandsbanki hf (OISE:ISB) 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.

Islandsbanki hf LT-Debt-to-Total-Asset Related Terms

Islandsbanki hf LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Islandsbanki hf'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.

Islandsbanki hf LT-Debt-to-Total-Asset Chart

Islandsbanki hf Annual Data

Trend

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

Get a 7-Day Free Trial

0.31

0.32

0.29

0.25

0.28

Islandsbanki hf 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															0.27	0.26	0.26	0.28	0.28

70GF Score

Islandsbanki hf OISE:ISB

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

Islandsbanki hf LT-Debt-to-Total-Asset Calculation

Islandsbanki hf'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 )
	=	487944	/	1728147
	=	0.28

Islandsbanki hf'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 )
	=	495928	/	1786697
	=	0.28

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

What does a LT-Debt-to-Total-Asset of 0.28 mean?

Islandsbanki hf (OISE:ISB) has a LT-Debt-to-Total-Asset of 0.28 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 Islandsbanki hf and its competitors.

Is Islandsbanki hf's LT-Debt-to-Total-Asset too high?

Islandsbanki hf's current LT-Debt-to-Total-Asset is 0.28. Overall, Islandsbanki hf has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does Islandsbanki hf's LT-Debt-to-Total-Asset compare to PNC and USB?

Islandsbanki hf's LT-Debt-to-Total-Asset of 0.28 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 Islandsbanki hf and its competitors. Islandsbanki hf's current LT-Debt-to-Total-Asset is 0.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Islandsbanki hf stock overvalued right now?

Based on GuruFocus' analysis, Islandsbanki hf (OISE:ISB) is currently considered Fairly Valued. The stock's GF Value™ is kr145.40, compared to a current price of kr139.00 — trading 4.4% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.28. Islandsbanki hf's overall GF Score™ is 70/100 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 Islandsbanki hf (OISE:ISB), the current LT-Debt-to-Total-Asset is 0.28 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 Islandsbanki hf (OISE:ISB) Overvalued in 2026?

Based on GuruFocus' analysis, Islandsbanki hf stock appears to be undervalued. The current stock price of kr139.00 is trading 4.4% below its estimated GF Value™ of kr145.40. GuruFocus considers Islandsbanki hf to be Fairly Valued.

Key valuation signals for OISE:ISB:

LT-Debt-to-Total-Asset: 0.28
GF Value™: kr145.40 vs. price of kr139.00 (4.4% below fair value)
GF Score™: 70/100 with 3 warning signs

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

Islandsbanki hf Business Description

Industry Financial Services Banks

Comparable Companies OISE:ARION OISE:KVIKA SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN XMAD:CABK PNC USB BSP:ITUB3 SGX:O39 LSE:LLOY HKSE:01658 LSE:NWG

Address Hagasmari 3, Kopavogur, ISL, 201

Website https://www.islandsbanki.is

Islandsbanki hf is a customer-centric universal bank. The company's segments include Personal Banking; Business Banking; Corporate and Investment Banking; Treasury and Proprietary Trading and Cost centres. It generates maximum revenue from the Business Banking segment. Business Banking provides small and medium-sized enterprises (SMEs) with comprehensive financial services, including Ergo, the Bank's asset financing service.

70GF Score

Get the complete analysis for OISE:ISB

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

kr139.00

Price

kr145.40

GF Value

View OISE:ISB Analysis

See LT-Debt-to-Total-Asset data for all stocks →