Standard Chartered Bank Ghana (XGHA:SCB) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is Standard Chartered Bank Ghana LT-Debt-to-Total-Asset?

Standard Chartered Bank Ghana XGHA:SCB 71 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus rates XGHA:SCB with a GF Score™ of 71/100 and a GF Value™ of GHS34.23 (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. Standard Chartered Bank Ghana's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

Standard Chartered Bank Ghana's long-term debt to total assets ratio declined from Mar. 2025 (0.06) to Mar. 2026 (0.02). It may suggest that Standard Chartered Bank Ghana is progressively becoming less dependent on debt to grow their business.

Standard Chartered Bank Ghana (XGHA:SCB) 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.

Standard Chartered Bank Ghana LT-Debt-to-Total-Asset Related Terms

Standard Chartered Bank Ghana LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Standard Chartered 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.

Standard Chartered Bank Ghana LT-Debt-to-Total-Asset Chart

Standard Chartered Bank Ghana Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.05

0.03

0.04

0.03

0.02

Standard Chartered 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															0.06	0.03	0.02	0.02	0.02

71GF Score

Standard Chartered Bank Ghana PLC XGHA:SCB

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Standard Chartered Bank Ghana LT-Debt-to-Total-Asset Calculation

Standard Chartered 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 )
	=	322.398	/	16506.032
	=	0.02

Standard Chartered 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 )
	=	371.849	/	17283.981
	=	0.02

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

What does a LT-Debt-to-Total-Asset of 0.02 mean?

Standard Chartered Bank Ghana (XGHA:SCB) has a LT-Debt-to-Total-Asset of 0.02 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 Standard Chartered Bank Ghana and its competitors.

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

Standard Chartered Bank Ghana's current LT-Debt-to-Total-Asset is 0.02. Overall, Standard Chartered Bank Ghana has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

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

Standard Chartered Bank Ghana's LT-Debt-to-Total-Asset of 0.02 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 Standard Chartered Bank Ghana and its competitors. Standard Chartered Bank Ghana's current LT-Debt-to-Total-Asset is 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Standard Chartered Bank Ghana stock overvalued right now?

Based on GuruFocus' analysis, Standard Chartered Bank Ghana (XGHA:SCB) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS34.23, compared to a current price of GHS71.00 — trading 107.4% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. Standard Chartered Bank Ghana's overall GF Score™ is 71/100 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 Standard Chartered Bank Ghana (XGHA:SCB), the current LT-Debt-to-Total-Asset is 0.02 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 Standard Chartered Bank Ghana (XGHA:SCB) Overvalued in 2026?

Based on GuruFocus' analysis, Standard Chartered Bank Ghana stock appears to be overvalued. The current stock price of GHS71.00 is trading 107.4% above its estimated GF Value™ of GHS34.23. GuruFocus considers Standard Chartered Bank Ghana to be Significantly Overvalued.

Key valuation signals for XGHA:SCB:

LT-Debt-to-Total-Asset: 0.02
GF Value™: GHS34.23 vs. price of GHS71.00 (107.4% above fair value)
GF Score™: 71/100 with 1 warning sign

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

Standard Chartered Bank Ghana Business Description

Industry Financial Services Banks

Comparable Companies XGHA:RBGH XGHA:CAL XGHA:FAB XGHA:SOGEGH XGHA:ACCESS 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 87 Independence Avenue, P.O. Box 768, Standard Chartered Bank Building, Accra, GHA

Website https://www.sc.com

Standard Chartered Bank Ghana PLC is a banking corporation registered in Ghana. It provides various banking services including personal banking, private banking, and business banking. The company manages its business into three segments namely, Corporate & Investment Banking, Wealth & Retail Banking, Ventures and Central & Other Items. The company's services include savings, loans, mortgages, credit cards, insurance, and investment opportunities for individual customers. It focuses on offering financial solutions to small-medium enterprises, corporates, and financial institutions. Geographically, it operates in Hong Kong, Korea, China, Singapore, UK, and U.S.

71GF 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.

GHS71.00

Price

GHS34.23

GF Value

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