GCB Bank (XGHA:GCB) LT-Debt-to-Total-Asset: 0.07 (As of Dec. 2025)

What is GCB Bank LT-Debt-to-Total-Asset?

GCB Bank XGHA:GCB 70 LT-Debt-to-Total-Asset is 0.07 as of Dec. 2025. GuruFocus rates XGHA:GCB with a GF Score™ of 70/100 and a GF Value™ of GHS10.34 (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. GCB Bank's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.07.

GCB Bank's long-term debt to total assets ratio increased from Dec. 2024 (0.06) to Dec. 2025 (0.07). It may suggest that GCB Bank is progressively becoming more dependent on debt to grow their business.

GCB Bank (XGHA:GCB) 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.

GCB Bank LT-Debt-to-Total-Asset Related Terms

GCB Bank LT-Debt-to-Total-Asset Historical Data

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The historical data trend for GCB Bank'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.

GCB Bank LT-Debt-to-Total-Asset Chart

GCB Bank Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.02

0.04

0.03

0.06

0.07

GCB Bank 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															0.06	0.07	0.10	0.10	0.07

70GF Score

GCB Bank Ltd XGHA:GCB

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GCB Bank LT-Debt-to-Total-Asset Calculation

GCB Bank'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 )
	=	3585.603	/	52633.491
	=	0.07

GCB Bank'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 )
	=	3585.603	/	52633.491
	=	0.07

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

What does a LT-Debt-to-Total-Asset of 0.07 mean?

GCB Bank (XGHA:GCB) has a LT-Debt-to-Total-Asset of 0.07 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 GCB Bank and its competitors.

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

GCB Bank's current LT-Debt-to-Total-Asset is 0.07. Overall, GCB Bank has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

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

GCB Bank's LT-Debt-to-Total-Asset of 0.07 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 GCB Bank and its competitors. GCB Bank's current LT-Debt-to-Total-Asset is 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is GCB Bank stock overvalued right now?

Based on GuruFocus' analysis, GCB Bank (XGHA:GCB) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS10.34, compared to a current price of GHS40.00 — trading 286.8% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.07. GCB Bank's overall GF Score™ is 70/100 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 GCB Bank (XGHA:GCB), the current LT-Debt-to-Total-Asset is 0.07 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 GCB Bank (XGHA:GCB) Overvalued in 2026?

Based on GuruFocus' analysis, GCB Bank stock appears to be overvalued. The current stock price of GHS40.00 is trading 286.8% above its estimated GF Value™ of GHS10.34. GuruFocus considers GCB Bank to be Significantly Overvalued.

Key valuation signals for XGHA:GCB:

LT-Debt-to-Total-Asset: 0.07
GF Value™: GHS10.34 vs. price of GHS40.00 (286.8% above fair value)
GF Score™: 70/100 with 3 warning signs

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

GCB Bank Business Description

Industry Financial Services Banks

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

Address Thorpe Road, High Street, P.O. Box 134, GCB Bank Building, Accra, GHA

Website https://www.gcbbank.com.gh

GCB Bank Ltd operates as a commercial bank in Ghana. The group's operating segments are Retail banking; Corporate banking; Treasury; and Commercial banking. It derives key revenue from the Retail banking segment. The bank offers various products and services including international money transfer, overdraft facilities, bulk cash collection, trade finance, payroll solutions, business advice, internet banking, and others. Geographically, it derives a majority of its revenue from Ghana.

70GF 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.

GHS40.00

Price

GHS10.34

GF Value

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