Guangzhou Rural Commercial Bank Co (STU:2GN) LT-Debt-to-Total-Asset: 0.12 (As of Dec. 2025)

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STU:2GN Guangzhou Rural Commercial Bank Co Ltd STU:2GN
57 GF Score
Price €0.16
GF Value €0.12
! 4 Warning Signs
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What is Guangzhou Rural Commercial Bank Co LT-Debt-to-Total-Asset?

Guangzhou Rural Commercial Bank Co STU:2GN 57 LT-Debt-to-Total-Asset is 0.12 as of Dec. 2025. GuruFocus rates STU:2GN with a GF Score™ of 57/100 and a GF Value™ of €0.12. The stock has 4 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. Guangzhou Rural Commercial Bank Co's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.12.

Guangzhou Rural Commercial Bank Co's long-term debt to total assets ratio declined from Dec. 2024 (0.14) to Dec. 2025 (0.12). It may suggest that Guangzhou Rural Commercial Bank Co is progressively becoming less dependent on debt to grow their business.

Guangzhou Rural Commercial Bank Co  (STU:2GN) 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.

Guangzhou Rural Commercial Bank Co LT-Debt-to-Total-Asset Related Terms

Guangzhou Rural Commercial Bank Co LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Guangzhou Rural Commercial Bank Co'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.

Guangzhou Rural Commercial Bank Co LT-Debt-to-Total-Asset Chart

Guangzhou Rural Commercial Bank Co 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 0.10 0.11 0.10 0.14 0.12

Guangzhou Rural Commercial Bank Co 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 0.10 0.12 0.14 0.12 0.12
STU:2GN
57GF Score
Guangzhou Rural Commercial Bank Co Ltd STU:2GN
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Guangzhou Rural Commercial Bank Co LT-Debt-to-Total-Asset Calculation

Guangzhou Rural Commercial Bank Co'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 )
=19965.541/167328.378
=0.12

Guangzhou Rural Commercial Bank Co'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 )
=19965.541/167328.378
=0.12

* 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 0.12 mean?
Guangzhou Rural Commercial Bank Co (STU:2GN) has a LT-Debt-to-Total-Asset of 0.12 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 Guangzhou Rural Commercial Bank Co and its competitors.
Is Guangzhou Rural Commercial Bank Co's LT-Debt-to-Total-Asset too high?
Guangzhou Rural Commercial Bank Co's current LT-Debt-to-Total-Asset is 0.12. Overall, Guangzhou Rural Commercial Bank Co has a GF Score™ of 57/100, reflecting its overall financial health beyond just this single metric.
How does Guangzhou Rural Commercial Bank Co's LT-Debt-to-Total-Asset compare to competitors?
Guangzhou Rural Commercial Bank Co's LT-Debt-to-Total-Asset of 0.12 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 Guangzhou Rural Commercial Bank Co and its competitors. Guangzhou Rural Commercial Bank Co's current LT-Debt-to-Total-Asset is 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Guangzhou Rural Commercial Bank Co stock overvalued right now?
Guangzhou Rural Commercial Bank Co (STU:2GN) has a current LT-Debt-to-Total-Asset of 0.12. The stock's GF Value™ is €0.12, compared to a current price of €0.16 — trading 29.2% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.12. Guangzhou Rural Commercial Bank Co's overall GF Score™ is 57/100 with 4 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 Guangzhou Rural Commercial Bank Co (STU:2GN), the current LT-Debt-to-Total-Asset is 0.12 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 Guangzhou Rural Commercial Bank Co (STU:2GN) Overvalued in 2026?

Based on GuruFocus' analysis, Guangzhou Rural Commercial Bank Co stock appears to be overvalued. The current stock price of €0.16 is trading 29.2% above its estimated GF Value™ of €0.12.

Key valuation signals for STU:2GN:

  • LT-Debt-to-Total-Asset: 0.12
  • GF Value™: €0.12 vs. price of €0.16 (29.2% above fair value)
  • GF Score™: 57/100 with 4 warning signs

No single metric tells the full story. See the STU:2GN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Guangzhou Rural Commercial Bank Co Business Description

Other Exchanges 01551:Hong Kong
Address No. 248 Queen’s Road East, 40th Floor, Dah Sing Financial Centre, Wanchai, Hong Kong, HKG
Guangzhou Rural Commercial Bank Co Ltd is engaged in providing banking and related financial services. The company's operating segments are Corporate banking, Retail banking, Financial market business, and others. It generates maximum revenue from the Corporate banking segment, which covers financial products and services for corporate customers, including deposits, loans, settlement, clearing, and other trade-related services. The bank conducts its business principally in Guangdong Province.
57GF Score

Get the complete analysis for STU:2GN

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

€0.16
Price
€0.12
GF Value