Unicaja Banco (WBO:UNBA) LT-Debt-to-Total-Asset: 0.04 (As of Mar. 2026)

What is Unicaja Banco LT-Debt-to-Total-Asset?

Unicaja Banco WBO:UNBA +0.19% 56 LT-Debt-to-Total-Asset is 0.04 as of Mar. 2026. GuruFocus rates WBO:UNBA with a GF Score™ of 56/100 and a GF Value™ of €1.42. 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. Unicaja Banco's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.04.

Unicaja Banco's long-term debt to total assets ratio declined from Mar. 2025 (0.04) to Mar. 2026 (0.04). It may suggest that Unicaja Banco is progressively becoming less dependent on debt to grow their business.

Unicaja Banco (WBO:UNBA) 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.

Unicaja Banco LT-Debt-to-Total-Asset Related Terms

Unicaja Banco LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Unicaja Banco'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.

Unicaja Banco LT-Debt-to-Total-Asset Chart

Unicaja Banco Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.03

0.05

0.04

Unicaja Banco Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.04	0.06	0.05	0.04	0.04

56GF Score

Unicaja Banco SA WBO:UNBA

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Unicaja Banco LT-Debt-to-Total-Asset Calculation

Unicaja Banco'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 )
	=	4113.521	/	98427.639
	=	0.04

Unicaja Banco'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 )
	=	3936	/	99087
	=	0.04

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

What does a LT-Debt-to-Total-Asset of 0.04 mean?

Unicaja Banco (WBO:UNBA) has a LT-Debt-to-Total-Asset of 0.04 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 Unicaja Banco and its competitors.

Is Unicaja Banco's LT-Debt-to-Total-Asset too high?

Unicaja Banco's current LT-Debt-to-Total-Asset is 0.04. Overall, Unicaja Banco has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.

How does Unicaja Banco's LT-Debt-to-Total-Asset compare to PNC and USB?

Unicaja Banco'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 Unicaja Banco and its competitors. Unicaja Banco'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 Unicaja Banco stock overvalued right now?

Unicaja Banco (WBO:UNBA) has a current LT-Debt-to-Total-Asset of 0.04. The stock's GF Value™ is €1.42, compared to a current price of €3.10 — trading 118% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.04. Unicaja Banco's overall GF Score™ is 56/100 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 Unicaja Banco (WBO:UNBA), the current LT-Debt-to-Total-Asset is 0.04 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 Unicaja Banco (WBO:UNBA) Overvalued in 2026?

Based on GuruFocus' analysis, Unicaja Banco stock appears to be overvalued. The current stock price of €3.10 is trading 118% above its estimated GF Value™ of €1.42.

Key valuation signals for WBO:UNBA:

LT-Debt-to-Total-Asset: 0.04
GF Value™: €1.42 vs. price of €3.10 (118% above fair value)
GF Score™: 56/100 with 6 warning signs

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

Unicaja Banco Business Description

Industry Financial Services Banks

Comparable Companies XMAD:BKT SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK NSE:SBIN PNC BSP:ITUB3 HKSE:01658 USB SGX:O39 LSE:LLOY TSE:7182 OSTO:NDA SE

Other Exchanges 1UNI:Italy UNIe:UK 0RR7:UK UNI:Spain 7UB:Germany

Address Avenida de Andalucia 10 y 12, Malaga, ESP, 29007

Website https://www.unicajabanco.com

Unicaja Banco SA is a credit institution; its main activity is retail banking. The group's object includes the provision of investment services and other auxiliary services, as well as the performance of insurance agent activities, as an exclusive or related operator, without the simultaneous exercise of both. Its segments are Credit institutions and insurance companies; these are the activities of the Bank and other Group companies engaged in financial services, as well as other ancillary activities carried out by the Group and of immaterial amounts, and central or general services that have not been allocated to any segment, and Other entities, which include the activities carried out by the other Group companies not included in the previous section. The Group operates in Spain.

56GF 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.

€3.10

Price

€1.42

GF Value

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