Kvika Banki hf (OISE:KVIKA) LT-Debt-to-Total-Asset: 0.24 (As of Mar. 2026)

What is Kvika Banki hf LT-Debt-to-Total-Asset?

Kvika Banki hf OISE:KVIKA +0.38% 57 LT-Debt-to-Total-Asset is 0.24 as of Mar. 2026. GuruFocus rates OISE:KVIKA with a GF Score™ of 57/100 and a GF Value™ of kr22.48 (Possible Value Trap). 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. Kvika Banki hf's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.24.

Kvika Banki hf's long-term debt to total assets ratio increased from Mar. 2025 (0.20) to Mar. 2026 (0.24). It may suggest that Kvika Banki hf is progressively becoming more dependent on debt to grow their business.

Kvika Banki hf (OISE:KVIKA) 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.

Kvika Banki hf LT-Debt-to-Total-Asset Related Terms

Kvika Banki hf LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Kvika Banki 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.

Kvika Banki hf LT-Debt-to-Total-Asset Chart

Kvika Banki hf Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.16

0.21

0.20

0.16

0.25

Kvika Banki 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															0.20	0.28	0.27	0.25	0.24

57GF Score

Kvika Banki hf OISE:KVIKA

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Kvika Banki hf LT-Debt-to-Total-Asset Calculation

Kvika Banki 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 )
	=	86699	/	343112
	=	0.25

Kvika Banki 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 )
	=	86867	/	359817
	=	0.24

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

What does a LT-Debt-to-Total-Asset of 0.24 mean?

Kvika Banki hf (OISE:KVIKA) has a LT-Debt-to-Total-Asset of 0.24 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 Kvika Banki hf and its competitors.

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

Kvika Banki hf's current LT-Debt-to-Total-Asset is 0.24. Overall, Kvika Banki hf has a GF Score™ of 57/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.

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

Kvika Banki hf's LT-Debt-to-Total-Asset of 0.24 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 Kvika Banki hf and its competitors. Kvika Banki hf's current LT-Debt-to-Total-Asset is 0.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Kvika Banki hf stock overvalued right now?

Based on GuruFocus' analysis, Kvika Banki hf (OISE:KVIKA) is currently considered Possible Value Trap. The stock's GF Value™ is kr22.48, compared to a current price of kr13.35 — trading 40.6% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.24. Kvika Banki hf's overall GF Score™ is 57/100 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 Kvika Banki hf (OISE:KVIKA), the current LT-Debt-to-Total-Asset is 0.24 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 Kvika Banki hf (OISE:KVIKA) Overvalued in 2026?

Based on GuruFocus' analysis, Kvika Banki hf stock appears to be undervalued. The current stock price of kr13.35 is trading 40.6% below its estimated GF Value™ of kr22.48. GuruFocus considers Kvika Banki hf to be Possible Value Trap.

Key valuation signals for OISE:KVIKA:

LT-Debt-to-Total-Asset: 0.24
GF Value™: kr22.48 vs. price of kr13.35 (40.6% below fair value)
GF Score™: 57/100 with 3 warning signs

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

Kvika Banki hf Business Description

Industry Financial Services Banks

Comparable Companies OISE:ISB OISE:ARION 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 Katrinartun 2, Reykjavik, ISL, 105

Website https://www.kvika.is

Kvika Banki hf is a financial services company with operations in Iceland and the United Kingdom. It delivers its services mainly online and offers solutions in asset management, payments, and banking for individuals, businesses, and investors. The company operates in four business segments: Commercial Banking, Investment Banking, which generates maximum revenue, Asset Management, and UK operations, through its subsidiaries. Retail financial services are delivered through specialized consumer brands such as Audur, Aur, and Netgiro, while corporate and institutional services are provided under the Kvika brand. In the UK, the bank operates under the Kvika and Ortus Secured Finance brands.

57GF 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.

kr13.35

Price

kr22.48

GF Value

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