Builders Capital Mortgage (TSXV:BCF) LT-Debt-to-Total-Asset: 0.26 (As of Dec. 2025)

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Director of Data and Quant Analytics at GuruFocus
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TSXV:BCF Builders Capital Mortgage Corp TSXV:BCF
61 GF Score
Price C$9.90
GF Value C$14.22
Valuation Possible Value Trap
! 7 Warning Signs
View Full Analysis

What is Builders Capital Mortgage LT-Debt-to-Total-Asset?

Builders Capital Mortgage TSXV:BCF +0.51% 61 LT-Debt-to-Total-Asset is 0.26 as of Dec. 2025. GuruFocus rates TSXV:BCF with a GF Score™ of 61/100 and a GF Value™ of C$14.22 (Possible Value Trap). The stock has 7 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. Builders Capital Mortgage's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.26.

Builders Capital Mortgage's long-term debt to total assets ratio increased from Dec. 2024 (0.17) to Dec. 2025 (0.26). It may suggest that Builders Capital Mortgage is progressively becoming more dependent on debt to grow their business.

Builders Capital Mortgage  (TSXV:BCF) 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.

Builders Capital Mortgage LT-Debt-to-Total-Asset Related Terms

Builders Capital Mortgage LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Builders Capital Mortgage'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.

Builders Capital Mortgage LT-Debt-to-Total-Asset Chart

Builders Capital Mortgage 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 0.00 0.00 0.00 0.17 0.26

Builders Capital Mortgage Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 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 0.17 0.23 0.26 0.23 0.26
TSXV:BCF
61GF Score
Builders Capital Mortgage Corp TSXV:BCF
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Builders Capital Mortgage LT-Debt-to-Total-Asset Calculation

Builders Capital Mortgage'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 )
=12.741/48.935
=0.26

Builders Capital Mortgage'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 )
=12.741/48.935
=0.26

* 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 0.26 mean?
Builders Capital Mortgage (TSXV:BCF) has a LT-Debt-to-Total-Asset of 0.26 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 Builders Capital Mortgage and its competitors.
Is Builders Capital Mortgage's LT-Debt-to-Total-Asset too high?
Builders Capital Mortgage's current LT-Debt-to-Total-Asset is 0.26. Overall, Builders Capital Mortgage has a GF Score™ of 61/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Builders Capital Mortgage's LT-Debt-to-Total-Asset compare to RKT and FNMA?
Builders Capital Mortgage's LT-Debt-to-Total-Asset of 0.26 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 Builders Capital Mortgage and its competitors. Builders Capital Mortgage's current LT-Debt-to-Total-Asset is 0.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Builders Capital Mortgage stock overvalued right now?
Based on GuruFocus' analysis, Builders Capital Mortgage (TSXV:BCF) is currently considered Possible Value Trap. The stock's GF Value™ is C$14.22, compared to a current price of C$9.90 — trading 30.4% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.26. Builders Capital Mortgage's overall GF Score™ is 61/100 with 7 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 Builders Capital Mortgage (TSXV:BCF), the current LT-Debt-to-Total-Asset is 0.26 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 Builders Capital Mortgage (TSXV:BCF) Overvalued in 2026?

Based on GuruFocus' analysis, Builders Capital Mortgage stock appears to be undervalued. The current stock price of C$9.90 is trading 30.4% below its estimated GF Value™ of C$14.22. GuruFocus considers Builders Capital Mortgage to be Possible Value Trap.

Key valuation signals for TSXV:BCF:

  • LT-Debt-to-Total-Asset: 0.26
  • GF Value™: C$14.22 vs. price of C$9.90 (30.4% below fair value)
  • GF Score™: 61/100 with 7 warning signs

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

Builders Capital Mortgage Business Description

Address 260 - 1414 8th Street SW, Calgary, AB, CAN, T2R 1J6
Builders Capital Mortgage Corp is a mortgage lender providing short-term course-of-construction financing to builders of residential, wood-frame properties in Western Canada. The company's business is to acquire, originate and maintain a portfolio consisting of construction mortgages that are secured by development stage residential real property. Its investment objective is to generate attractive returns, relative to risk, to provide stable and consistent distributions to shareholders while remaining focused on capital preservation and satisfying the criteria mandated for mortgage investment corporations.
61GF 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.

C$9.90
Price
C$14.22
GF Value