Public Bank Bhd (XKLS:1295) LT-Debt-to-Total-Asset: 0.03 (As of Mar. 2026)

What is Public Bank Bhd LT-Debt-to-Total-Asset?

Public Bank Bhd XKLS:1295 74 LT-Debt-to-Total-Asset is 0.03 as of Mar. 2026. GuruFocus rates XKLS:1295 with a GF Score™ of 74/100 and a GF Value™ of RM4.74 (Fairly Valued). The stock has 2 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. Public Bank Bhd's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.03.

Public Bank Bhd's long-term debt to total assets ratio increased from Mar. 2025 (0.02) to Mar. 2026 (0.03). It may suggest that Public Bank Bhd is progressively becoming more dependent on debt to grow their business.

Public Bank Bhd (XKLS:1295) 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.

Public Bank Bhd LT-Debt-to-Total-Asset Related Terms

Public Bank Bhd LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Public Bank Bhd'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.

Public Bank Bhd LT-Debt-to-Total-Asset Chart

Public Bank Bhd Annual Data

Trend

Dec16

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Dec18

Dec19

Dec20

Dec21

Dec22

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Dec25

LT-Debt-to-Total-Asset

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0.03

0.02

Public Bank Bhd 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															0.02	0.02	0.02	0.02	0.03

74GF Score

Public Bank Bhd XKLS:1295

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

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Public Bank Bhd LT-Debt-to-Total-Asset Calculation

Public Bank Bhd'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 )
	=	13556.126	/	561651.157
	=	0.02

Public Bank Bhd'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 )
	=	15216.511	/	570312.653
	=	0.03

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

What does a LT-Debt-to-Total-Asset of 0.03 mean?

Public Bank Bhd (XKLS:1295) has a LT-Debt-to-Total-Asset of 0.03 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 Public Bank Bhd and its competitors.

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

Public Bank Bhd's current LT-Debt-to-Total-Asset is 0.03. Overall, Public Bank Bhd has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does Public Bank Bhd's LT-Debt-to-Total-Asset compare to competitors?

Public Bank Bhd's LT-Debt-to-Total-Asset of 0.03 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 Public Bank Bhd and its competitors. Public Bank Bhd's current LT-Debt-to-Total-Asset is 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Public Bank Bhd stock overvalued right now?

Based on GuruFocus' analysis, Public Bank Bhd (XKLS:1295) is currently considered Fairly Valued. The stock's GF Value™ is RM4.74, compared to a current price of RM4.91 — trading 3.6% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.03. Public Bank Bhd's overall GF Score™ is 74/100 with 2 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 Public Bank Bhd (XKLS:1295), the current LT-Debt-to-Total-Asset is 0.03 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 Public Bank Bhd (XKLS:1295) Overvalued in 2026?

Based on GuruFocus' analysis, Public Bank Bhd stock appears to be overvalued. The current stock price of RM4.91 is trading 3.6% above its estimated GF Value™ of RM4.74. GuruFocus considers Public Bank Bhd to be Fairly Valued.

Key valuation signals for XKLS:1295:

LT-Debt-to-Total-Asset: 0.03
GF Value™: RM4.74 vs. price of RM4.91 (3.6% above fair value)
GF Score™: 74/100 with 2 warning signs

No single metric tells the full story. See the XKLS:1295 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Public Bank Bhd Business Description

Industry Financial Services Banks

Comparable Companies XKLS:1023 XKLS:1155 XKLS:5819 XKLS:1066 XKLS:1015 XKLS:1082 XKLS:2488 XKLS:5185 XKLS:1171 XKLS:5258 SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 146, Jalan Ampang, 27th Floor, Menara Public Bank, Kuala Lumpur, SGR, MYS, 50450

Website https://www.publicbankgroup.com

Public Bank Bhd is a Malaysian banking group that provides a range of financial products and services, including personal banking, commercial banking, Islamic banking, investment banking, share broking, trustee services, nominee services, sale and management of unit trust funds, bancassurance, and general insurance products. In addition to its mostly Malaysian operational presence, the bank is exposed to other Southeast Asian nations through some of its branches. It emphasizes organic growth in the retail banking business, particularly among retail consumers and small and medium-sized enterprises. The majority of its revenue comes from the Retail Operations segment. Public Bank offers a suite of banking products and services through its extensive branch network and infrastructure.

74GF 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.

RM4.91

Price

RM4.74

GF Value

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