Loyal Solutions AS (OSTO:LOYAL) LT-Debt-to-Total-Asset: 1.00 (As of Dec. 2025)


OSTO:LOYAL Loyal Solutions AS OSTO:LOYAL
52 GF Score
Price kr6.12
GF Value kr11.03
Valuation Possible Value Trap
! 9 Warning Signs
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What is Loyal Solutions AS LT-Debt-to-Total-Asset?

Loyal Solutions AS OSTO:LOYAL -15.47% 52 LT-Debt-to-Total-Asset is 1.00 as of Dec. 2025. GuruFocus rates OSTO:LOYAL with a GF Score™ of 52/100 and a GF Value™ of kr11.03 (Possible Value Trap). The stock has 9 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. Loyal Solutions AS's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 1.00.

Loyal Solutions AS's long-term debt to total assets ratio increased from Dec. 2024 (0.87) to Dec. 2025 (1.00). It may suggest that Loyal Solutions AS is progressively becoming more dependent on debt to grow their business.

Loyal Solutions AS  (OSTO:LOYAL) 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.

Loyal Solutions AS LT-Debt-to-Total-Asset Related Terms

Loyal Solutions AS LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Loyal Solutions AS'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.

Loyal Solutions AS LT-Debt-to-Total-Asset Chart

Loyal Solutions AS Annual Data
Trend Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial 0.18 0.31 0.71 0.87 1.35

Loyal Solutions AS Semi-Annual Data
Jun18 Jun19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 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 0.71 0.87 0.87 1.35 1.00
OSTO:LOYAL
52GF Score
Loyal Solutions AS OSTO:LOYAL
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Loyal Solutions AS LT-Debt-to-Total-Asset Calculation

Loyal Solutions AS's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as

LT Debt to Total Assets (A: Jun. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Jun. 2025 )/Total Assets (A: Jun. 2025 )
=37.227/27.542
=1.35

Loyal Solutions AS'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 )
=36.519/36.609
=1.00

* 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 1.00 mean?
Loyal Solutions AS (OSTO:LOYAL) has a LT-Debt-to-Total-Asset of 1.00 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 Loyal Solutions AS and its competitors.
Is Loyal Solutions AS's LT-Debt-to-Total-Asset too high?
Loyal Solutions AS's current LT-Debt-to-Total-Asset is 1.00. Overall, Loyal Solutions AS has a GF Score™ of 52/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Loyal Solutions AS's LT-Debt-to-Total-Asset compare to UBER and SHOP?
Loyal Solutions AS's LT-Debt-to-Total-Asset of 1.00 can be compared against companies in the Software 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 Software company?
A good LT-Debt-to-Total-Asset depends on the Software 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 Loyal Solutions AS and its competitors. Loyal Solutions AS's current LT-Debt-to-Total-Asset is 1.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Loyal Solutions AS stock overvalued right now?
Based on GuruFocus' analysis, Loyal Solutions AS (OSTO:LOYAL) is currently considered Possible Value Trap. The stock's GF Value™ is kr11.03, compared to a current price of kr6.12 — trading 44.5% below its estimated fair value. The current LT-Debt-to-Total-Asset is 1.00. Loyal Solutions AS's overall GF Score™ is 52/100 with 9 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 Loyal Solutions AS (OSTO:LOYAL), the current LT-Debt-to-Total-Asset is 1.00 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 Loyal Solutions AS (OSTO:LOYAL) Overvalued in 2026?

Based on GuruFocus' analysis, Loyal Solutions AS stock appears to be undervalued. The current stock price of kr6.12 is trading 44.5% below its estimated GF Value™ of kr11.03. GuruFocus considers Loyal Solutions AS to be Possible Value Trap.

Key valuation signals for OSTO:LOYAL:

  • LT-Debt-to-Total-Asset: 1.00
  • GF Value™: kr11.03 vs. price of kr6.12 (44.5% below fair value)
  • GF Score™: 52/100 with 9 warning signs

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

Loyal Solutions AS Business Description

Address Edvard Thomsens Vej 10, 6th floor, Copenhagen S, DNK, DK-2300
Loyal Solutions A/S is a software-as-a-service company. The company is engaged in the development and implementation of bespoke loyalty schemes that enhance customer retention and brand engagement. Their core business revolves around creating loyalty solution platforms that provide customer engagement programs across industries such as airlines, financial services, malls, hospitality, telecom, and media. LoyalTfacts is its proprietary SaaS end-to-end platform.
52GF Score

Get the complete analysis for OSTO:LOYAL

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

kr6.12
Price
kr11.03
GF Value