Republic Bank (Ghana) (XGHA:RBGH) LT-Debt-to-Total-Asset: 0.18 (As of Dec. 2025)

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XGHA:RBGH Republic Bank (Ghana) PLC XGHA:RBGH
44 GF Score
Price GHS4.00
GF Value GHS1.07
Valuation Significantly Overvalued
! 1 Warning Sign
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What is Republic Bank (Ghana) LT-Debt-to-Total-Asset?

Republic Bank (Ghana) XGHA:RBGH 44 LT-Debt-to-Total-Asset is 0.18 as of Dec. 2025. GuruFocus rates XGHA:RBGH with a GF Score™ of 44/100 and a GF Value™ of GHS1.07 (Significantly Overvalued). The stock has 1 warning sign 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. Republic Bank (Ghana)'s long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.18.

Republic Bank (Ghana)'s long-term debt to total assets ratio declined from Dec. 2024 (0.19) to Dec. 2025 (0.18). It may suggest that Republic Bank (Ghana) is progressively becoming less dependent on debt to grow their business.

Republic Bank (Ghana)  (XGHA:RBGH) 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.

Republic Bank (Ghana) LT-Debt-to-Total-Asset Related Terms

Republic Bank (Ghana) LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Republic 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.

Republic Bank (Ghana) LT-Debt-to-Total-Asset Chart

Republic 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 Premium Member Only Premium Member Only 0.05 0.03 0.01 0.19 0.18

Republic Bank (Ghana) 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 0.19 0.17 0.15 0.18 0.18
XGHA:RBGH
44GF Score
Republic Bank (Ghana) PLC XGHA:RBGH
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Republic Bank (Ghana) LT-Debt-to-Total-Asset Calculation

Republic 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 )
=2173.266/12335.201
=0.18

Republic Bank (Ghana)'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 )
=2173.266/12335.201
=0.18

* 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 0.18 mean?
Republic Bank (Ghana) (XGHA:RBGH) has a LT-Debt-to-Total-Asset of 0.18 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 Republic Bank (Ghana) and its competitors.
Is Republic Bank (Ghana)'s LT-Debt-to-Total-Asset too high?
Republic Bank (Ghana)'s current LT-Debt-to-Total-Asset is 0.18. Overall, Republic Bank (Ghana) has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Republic Bank (Ghana)'s LT-Debt-to-Total-Asset compare to PNC?
Republic Bank (Ghana)'s LT-Debt-to-Total-Asset of 0.18 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 Republic Bank (Ghana) and its competitors. Republic Bank (Ghana)'s current LT-Debt-to-Total-Asset is 0.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Republic Bank (Ghana) stock overvalued right now?
Based on GuruFocus' analysis, Republic Bank (Ghana) (XGHA:RBGH) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS1.07, compared to a current price of GHS4.00 — trading 273.8% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.18. Republic Bank (Ghana)'s overall GF Score™ is 44/100 with 1 warning sign 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 Republic Bank (Ghana) (XGHA:RBGH), the current LT-Debt-to-Total-Asset is 0.18 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 Republic Bank (Ghana) (XGHA:RBGH) Overvalued in 2026?

Based on GuruFocus' analysis, Republic Bank (Ghana) stock appears to be overvalued. The current stock price of GHS4.00 is trading 273.8% above its estimated GF Value™ of GHS1.07. GuruFocus considers Republic Bank (Ghana) to be Significantly Overvalued.

Key valuation signals for XGHA:RBGH:

  • LT-Debt-to-Total-Asset: 0.18
  • GF Value™: GHS1.07 vs. price of GHS4.00 (273.8% above fair value)
  • GF Score™: 44/100 with 1 warning sign

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

Republic Bank (Ghana) Business Description

Address No. 35, Sixth Avenue, North Ridge, P. O. Box CT 4603, Cantonments, Accra, GHA, 4603
Republic Bank (Ghana) PLC is engaged in investment banking, corporate banking, retail banking, mortgage banking, asset management services, and property management and development. The Group operates through four reporting segments: retail banking, which incorporates private banking services, private customer current accounts, savings, deposits, investment savings products, custody, credit, and consumer loans; mortgage banking, which incorporates mortgage services; corporate banking, which generates maximum revenue and incorporates direct debit facilities, current accounts, deposits, overdrafts, loans, and foreign currency; and microfinance banking, which incorporates savings accounts, deposits, loans, and other credit facilities.
44GF 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.

GHS4.00
Price
GHS1.07
GF Value