Access Bank Ghana (XGHA:ACCESS) LT-Debt-to-Total-Asset: 0.04 (As of Mar. 2026)

What is Access Bank Ghana LT-Debt-to-Total-Asset?

Access Bank Ghana XGHA:ACCESS 47 LT-Debt-to-Total-Asset is 0.04 as of Mar. 2026. GuruFocus rates XGHA:ACCESS with a GF Score™ of 47/100 and a GF Value™ of GHS13.78 (Significantly Overvalued). The stock has 3 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. Access Bank Ghana's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.04.

Access Bank Ghana's long-term debt to total assets ratio declined from Mar. 2025 (0.07) to Mar. 2026 (0.04). It may suggest that Access Bank Ghana is progressively becoming less dependent on debt to grow their business.

Access Bank Ghana (XGHA:ACCESS) 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.

Access Bank Ghana LT-Debt-to-Total-Asset Related Terms

Access Bank Ghana LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Access Bank Ghana'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.

Access Bank Ghana LT-Debt-to-Total-Asset Chart

Access Bank Ghana Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

Get a 7-Day Free Trial

0.11

0.09

0.06

0.05

Access Bank Ghana 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															0.07	0.05	0.05	0.05	0.04

47GF Score

Access Bank Ghana PLC XGHA:ACCESS

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

Access Bank Ghana LT-Debt-to-Total-Asset Calculation

Access Bank Ghana'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 )
	=	885.788	/	19022.897
	=	0.05

Access Bank Ghana'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 )
	=	862.96	/	19757.935
	=	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?

Access Bank Ghana (XGHA:ACCESS) 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 Access Bank Ghana and its competitors.

Is Access Bank Ghana's LT-Debt-to-Total-Asset too high?

Access Bank Ghana's current LT-Debt-to-Total-Asset is 0.04. Overall, Access Bank Ghana has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Access Bank Ghana's LT-Debt-to-Total-Asset compare to PNC?

Access Bank Ghana'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 Access Bank Ghana and its competitors. Access Bank Ghana'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 Access Bank Ghana stock overvalued right now?

Based on GuruFocus' analysis, Access Bank Ghana (XGHA:ACCESS) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS13.78, compared to a current price of GHS31.90 — trading 131.5% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.04. Access Bank Ghana's overall GF Score™ is 47/100 with 3 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 Access Bank Ghana (XGHA:ACCESS), 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 Access Bank Ghana (XGHA:ACCESS) Overvalued in 2026?

Based on GuruFocus' analysis, Access Bank Ghana stock appears to be overvalued. The current stock price of GHS31.90 is trading 131.5% above its estimated GF Value™ of GHS13.78. GuruFocus considers Access Bank Ghana to be Significantly Overvalued.

Key valuation signals for XGHA:ACCESS:

LT-Debt-to-Total-Asset: 0.04
GF Value™: GHS13.78 vs. price of GHS31.90 (131.5% above fair value)
GF Score™: 47/100 with 3 warning signs

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

Access Bank Ghana Business Description

Industry Financial Services Banks

Comparable Companies XGHA:SOGEGH XGHA:SCB XGHA:RBGH XGHA:CAL XGHA:FAB XGHA:ADB XGHA:GCB XGHA:EGH SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN XMAD:CABK PNC

Address Starlets’ 91 Road, P. O. Box GP 353, Opposite Accra Sports Stadium, Osu, Accra, GHA

Website https://www.ghana.accessbankplc.com

Access Bank Ghana PLC is a Ghana-based commercial bank. The bank provides universal banking services including Retail Banking, Commercial Banking, Business Banking, Personal Banking, and Exclusive Banking. It also provides support for financing landmark projects in the private and public sectors. It provides services to Corporate, Commercial, Retail customers, and Financial Institutions across Ghana. The company's segments include Institutional Banking, Commercial Banking, Personal, and Business Banking, and Treasury.

47GF Score

Get the complete analysis for XGHA:ACCESS

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

GHS31.90

Price

GHS13.78

GF Value

View XGHA:ACCESS Analysis

See LT-Debt-to-Total-Asset data for all stocks →