Ascory Bank AG (STU:VG80) LT-Debt-to-Total-Asset: 0.04 (As of Dec. 2025)


STU:VG80 Ascory Bank AG STU:VG80
51 GF Score
Price €2.74
GF Value €1.87
! 4 Warning Signs
View Full Analysis

What is Ascory Bank AG LT-Debt-to-Total-Asset?

Ascory Bank AG STU:VG80 51 LT-Debt-to-Total-Asset is 0.04 as of Dec. 2025. GuruFocus rates STU:VG80 with a GF Score™ of 51/100 and a GF Value™ of €1.87. 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. Ascory Bank AG's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.04.

Ascory Bank AG's long-term debt to total assets ratio declined from Dec. 2024 (0.05) to Dec. 2025 (0.04). It may suggest that Ascory Bank AG is progressively becoming less dependent on debt to grow their business.

Ascory Bank AG  (STU:VG80) 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.

Ascory Bank AG LT-Debt-to-Total-Asset Related Terms

Ascory Bank AG LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Ascory Bank 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.

Ascory Bank AG LT-Debt-to-Total-Asset Chart

Ascory Bank 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 0.03 0.03 0.03 0.05 0.04

Ascory Bank AG Semi-Annual Data
Jun15 Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Dec22 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 0.03 0.03 0.05 0.04 0.04
STU:VG80
51GF Score
Ascory Bank AG STU:VG80
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Ascory Bank AG LT-Debt-to-Total-Asset Calculation

Ascory Bank 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 )
=41.227/1064.929
=0.04

Ascory Bank 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 )
=41.227/1064.929
=0.04

* 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 0.04 mean?
Ascory Bank AG (STU:VG80) has a LT-Debt-to-Total-Asset of 0.04 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 Ascory Bank AG and its competitors.
Is Ascory Bank AG's LT-Debt-to-Total-Asset too high?
Ascory Bank AG's current LT-Debt-to-Total-Asset is 0.04. Overall, Ascory Bank AG has a GF Score™ of 51/100, reflecting its overall financial health beyond just this single metric.
How does Ascory Bank AG's LT-Debt-to-Total-Asset compare to PNC and USB?
Ascory Bank AG's LT-Debt-to-Total-Asset of 0.04 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 Ascory Bank AG and its competitors. Ascory Bank AG's current LT-Debt-to-Total-Asset is 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ascory Bank AG stock overvalued right now?
Ascory Bank AG (STU:VG80) has a current LT-Debt-to-Total-Asset of 0.04. The stock's GF Value™ is €1.87, compared to a current price of €2.74 — trading 46.5% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.04. Ascory Bank AG's overall GF Score™ is 51/100 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 Ascory Bank AG (STU:VG80), the current LT-Debt-to-Total-Asset is 0.04 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 Ascory Bank AG (STU:VG80) Overvalued in 2026?

Based on GuruFocus' analysis, Ascory Bank AG stock appears to be overvalued. The current stock price of €2.74 is trading 46.5% above its estimated GF Value™ of €1.87.

Key valuation signals for STU:VG80:

  • LT-Debt-to-Total-Asset: 0.04
  • GF Value™: €1.87 vs. price of €2.74 (46.5% above fair value)
  • GF Score™: 51/100 with 4 warning signs

No single metric tells the full story. See the STU:VG80 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Ascory Bank AG Business Description

Other Exchanges VG80:Germany
Address Grosse Elbstrasse 39, Hamburg, DEU, 22767
Ascory Bank AG is a German credit institution. Its business model is focused as a specialist bank for structured financing in the corporate client sector targets start-up and scale-up clients in the fintech (including leasing and factoring institutions), energy transition, and leveraged finance sectors, and is based on a diversified funding plan.
51GF Score

Get the complete analysis for STU:VG80

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

€2.74
Price
€1.87
GF Value