SGKBF (St Galler Kantonalbank AG) LT-Debt-to-Total-Asset: 0.20 (As of Dec. 2025)


SGKBF St Galler Kantonalbank AG SGKBF
65 GF Score
Price $355.00
GF Value $296.30
! 6 Warning Signs
View Full Analysis

What is St Galler Kantonalbank AG LT-Debt-to-Total-Asset?

St Galler Kantonalbank AG SGKBF 65 LT-Debt-to-Total-Asset is 0.20 as of Dec. 2025. GuruFocus rates SGKBF with a GF Score™ of 65/100 and a GF Value™ of $296.30. The stock has 6 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. St Galler Kantonalbank AG's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.20.

St Galler Kantonalbank AG's long-term debt to total assets ratio increased from Dec. 2024 (0.18) to Dec. 2025 (0.20). It may suggest that St Galler Kantonalbank AG is progressively becoming more dependent on debt to grow their business.

St Galler Kantonalbank AG  (OTCPK:SGKBF) 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.

St Galler Kantonalbank AG LT-Debt-to-Total-Asset Related Terms

St Galler Kantonalbank AG LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for St Galler Kantonalbank AG'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.

St Galler Kantonalbank AG LT-Debt-to-Total-Asset Chart

St Galler Kantonalbank AG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.18 0.17 0.18 0.18 0.20

St Galler Kantonalbank AG Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.18 0.16 0.18 0.20 0.20
SGKBF
65GF Score
St Galler Kantonalbank AG SGKBF
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

St Galler Kantonalbank AG LT-Debt-to-Total-Asset Calculation

St Galler Kantonalbank AG'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 )
=11962.826/60404.879
=0.20

St Galler Kantonalbank AG'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 )
=11962.826/60404.879
=0.20

* 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 0.20 mean?
St Galler Kantonalbank AG (SGKBF) has a LT-Debt-to-Total-Asset of 0.20 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 St Galler Kantonalbank AG and its competitors.
Is St Galler Kantonalbank AG's LT-Debt-to-Total-Asset too high?
St Galler Kantonalbank AG's current LT-Debt-to-Total-Asset is 0.20. Overall, St Galler Kantonalbank AG has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does St Galler Kantonalbank AG's LT-Debt-to-Total-Asset compare to competitors?
St Galler Kantonalbank AG's LT-Debt-to-Total-Asset of 0.20 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 St Galler Kantonalbank AG and its competitors. St Galler Kantonalbank AG's current LT-Debt-to-Total-Asset is 0.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is St Galler Kantonalbank AG stock overvalued right now?
St Galler Kantonalbank AG (SGKBF) has a current LT-Debt-to-Total-Asset of 0.20. The stock's GF Value™ is $296.30, compared to a current price of $355.00 — trading 19.8% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.20. St Galler Kantonalbank AG's overall GF Score™ is 65/100 with 6 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 St Galler Kantonalbank AG (SGKBF), the current LT-Debt-to-Total-Asset is 0.20 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 St Galler Kantonalbank AG (SGKBF) Overvalued in 2026?

Based on GuruFocus' analysis, St Galler Kantonalbank AG stock appears to be overvalued. The current stock price of $355.00 is trading 19.8% above its estimated GF Value™ of $296.30.

Key valuation signals for SGKBF:

  • LT-Debt-to-Total-Asset: 0.20
  • GF Value™: $296.30 vs. price of $355.00 (19.8% above fair value)
  • GF Score™: 65/100 with 6 warning signs

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

St Galler Kantonalbank AG Business Description

Address St. Leonhardstrasse 25, St. Gallen, CHE, 9001
St Galler Kantonalbank AG provides banking services to the local population and small and middle-sized companies in Switzerland and globally. It also offers private banking. The bank adopts a balanced business model based on two revenue sources. Its objectives are the growth of loans, the growth of funds under management, cost and income ratio and return on equity. The firm operates in St Gall through its network of branches. The company has developed and promoted the brand Cantonal bank. Retail and commercial clients, private banking, and corporate center are the segments of the company.
65GF Score

Get the complete analysis for SGKBF

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

$355.00
Price
$296.30
GF Value