Makati Finance (PHS:MFIN) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is Makati Finance LT-Debt-to-Total-Asset?

Makati Finance PHS:MFIN +10.61% 53 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus rates PHS:MFIN with a GF Score™ of 53/100 and a GF Value™ of ₱1.93 (Modestly 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. Makati Finance's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

Makati Finance's long-term debt to total assets ratio increased from Dec. 2024 (0.00) to Mar. 2026 (0.02). It may suggest that Makati Finance is progressively becoming more dependent on debt to grow their business.

Makati Finance (PHS:MFIN) 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.

Makati Finance LT-Debt-to-Total-Asset Related Terms

Makati Finance LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Makati Finance'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.

Makati Finance LT-Debt-to-Total-Asset Chart

Makati Finance Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

LT-Debt-to-Total-Asset

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0.08

0.06

0.05

0.03

0.00

Makati Finance Quarterly Data
	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.00	0.00	0.00	0.00	0.02

53GF Score

Makati Finance Corp PHS:MFIN

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Makati Finance LT-Debt-to-Total-Asset Calculation

Makati Finance's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2024 is calculated as

LT Debt to Total Assets (A: Dec. 2024 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2024 )	/	Total Assets (A: Dec. 2024 )
	=	1.034	/	1143.575
	=	0.00

Makati Finance'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 )
	=	15.484	/	983.607
	=	0.02

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

What does a LT-Debt-to-Total-Asset of 0.02 mean?

Makati Finance (PHS:MFIN) has a LT-Debt-to-Total-Asset of 0.02 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 Makati Finance and its competitors.

Is Makati Finance's LT-Debt-to-Total-Asset too high?

Makati Finance's current LT-Debt-to-Total-Asset is 0.02. Overall, Makati Finance has a GF Score™ of 53/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Makati Finance's LT-Debt-to-Total-Asset compare to V and MA?

Makati Finance's LT-Debt-to-Total-Asset of 0.02 can be compared against companies in the Credit Services 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 Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services 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 Makati Finance and its competitors. Makati Finance's current LT-Debt-to-Total-Asset is 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Makati Finance stock overvalued right now?

Based on GuruFocus' analysis, Makati Finance (PHS:MFIN) is currently considered Modestly Overvalued. The stock's GF Value™ is ₱1.93, compared to a current price of ₱2.19 — trading 13.5% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. Makati Finance's overall GF Score™ is 53/100 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 Makati Finance (PHS:MFIN), the current LT-Debt-to-Total-Asset is 0.02 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 Makati Finance (PHS:MFIN) Overvalued in 2026?

Based on GuruFocus' analysis, Makati Finance stock appears to be overvalued. The current stock price of ₱2.19 is trading 13.5% above its estimated GF Value™ of ₱1.93. GuruFocus considers Makati Finance to be Modestly Overvalued.

Key valuation signals for PHS:MFIN:

LT-Debt-to-Total-Asset: 0.02
GF Value™: ₱1.93 vs. price of ₱2.19 (13.5% above fair value)
GF Score™: 53/100 with 8 warning signs

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

Makati Finance Business Description

Industry Financial Services Credit Services

Comparable Companies V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI BOM:532810 BOM:533398 NSE:CHOLAFIN NSE:TATACAP BOM:543257 ALLY TSE:8593 FCFS BOM:532955 BOM:533519

Address 2301 Chino Roces Avenue, 3rd Floor Mazda Makati Building, Barangay Magallanes, Makati City, PHL, 1231

Website https://www.makatifinance.ph

Makati Finance Corp provides financial services and advisory to its clients. It is engaged in stock dealership functions, credit line extensions, and acceptance of private placements. It has expanded its product lines from its traditional Rx Cashline, MFC Factors (receivables financing) Business Loans; Motorcycle Financing to include new financial products lines recently introduced by the company namely: corporate salary loans; personal loans; micro business loans; pension loans; car loans and leisure bikes financing. Its segments include Rx Cashline Group; Business Loans, Motor Vehicles Financing Group, Car Loans, and Other Segments. It derives revenue from Business Loans which grants loans to finance business owners who wish to expand its business or for the purpose of starting capital.

53GF 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.

₱2.19

Price

₱1.93

GF Value

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