Citizen Bank International (XNEP:CZBIL) LT-Debt-to-Total-Asset: 0.02 (As of Apr. 2026)

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XNEP:CZBIL Citizen Bank International Ltd XNEP:CZBIL
66 GF Score
Price NPR202.70
GF Value NPR210.67
Valuation Fairly Valued
! 1 Warning Sign
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What is Citizen Bank International LT-Debt-to-Total-Asset?

Citizen Bank International XNEP:CZBIL +0.49% 66 LT-Debt-to-Total-Asset is 0.02 as of Apr. 2026. GuruFocus rates XNEP:CZBIL with a GF Score™ of 66/100 and a GF Value™ of NPR210.67 (Fairly Valued). 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. Citizen Bank International's long-term debt to total assests ratio for the quarter that ended in Apr. 2026 was 0.02.

Citizen Bank International's long-term debt to total assets ratio increased from Apr. 2025 (0.00) to Apr. 2026 (0.02). It may suggest that Citizen Bank International is progressively becoming more dependent on debt to grow their business.

Citizen Bank International  (XNEP:CZBIL) 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.

Citizen Bank International LT-Debt-to-Total-Asset Related Terms

Citizen Bank International LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Citizen Bank International'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.

Citizen Bank International LT-Debt-to-Total-Asset Chart

Citizen Bank International Annual Data
Trend Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.02 0.03 0.02 0.03 0.03

Citizen Bank International Quarterly Data
Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
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 0.00 0.03 0.02 0.02 0.02
XNEP:CZBIL
66GF Score
Citizen Bank International Ltd XNEP:CZBIL
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizen Bank International LT-Debt-to-Total-Asset Calculation

Citizen Bank International's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Jul. 2025 is calculated as

LT Debt to Total Assets (A: Jul. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Jul. 2025 )/Total Assets (A: Jul. 2025 )
=6536.492/245338.763
=0.03

Citizen Bank International's Long-Term Debt to Total Asset Ratio for the quarter that ended in Apr. 2026 is calculated as

LT Debt to Total Assets (Q: Apr. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Apr. 2026 )/Total Assets (Q: Apr. 2026 )
=5773.939/248921.093
=0.02

* 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 0.02 mean?
Citizen Bank International (XNEP:CZBIL) has a LT-Debt-to-Total-Asset of 0.02 as of Apr. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Citizen Bank International and its competitors.
Is Citizen Bank International's LT-Debt-to-Total-Asset too high?
Citizen Bank International's current LT-Debt-to-Total-Asset is 0.02. Overall, Citizen Bank International has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citizen Bank International's LT-Debt-to-Total-Asset compare to competitors?
Citizen Bank International'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 Citizen Bank International and its competitors. Citizen Bank International'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 Citizen Bank International stock overvalued right now?
Based on GuruFocus' analysis, Citizen Bank International (XNEP:CZBIL) is currently considered Fairly Valued. The stock's GF Value™ is NPR210.67, compared to a current price of NPR202.70 — trading 3.8% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. Citizen Bank International's overall GF Score™ is 66/100 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 Citizen Bank International (XNEP:CZBIL), the current LT-Debt-to-Total-Asset is 0.02 as of Apr. 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 Citizen Bank International (XNEP:CZBIL) Overvalued in 2026?

Based on GuruFocus' analysis, Citizen Bank International stock appears to be undervalued. The current stock price of NPR202.70 is trading 3.8% below its estimated GF Value™ of NPR210.67. GuruFocus considers Citizen Bank International to be Fairly Valued.

Key valuation signals for XNEP:CZBIL:

  • LT-Debt-to-Total-Asset: 0.02
  • GF Value™: NPR210.67 vs. price of NPR202.70 (3.8% below fair value)
  • GF Score™: 66/100 with 1 warning sign

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

Citizen Bank International Business Description

Address Narayanhiti Path, P.O.BOX: 19681, Kathmandu, NPL
Citizen Bank International Ltd operates as a commercial bank. The company provides commercial banking services including agency services, trade finance services, e-commerce services, and trading of gold and silver. Its products include Online Products; Deposits; loans; Cards; and remittances. The operating segments of the group are Banking; Treasury; Cards; and Remittance, of which a majority of revenue is derived from Banking which comprises the product and service of loans and deposits, and generates revenue from interest on a loan.
66GF Score

Get the complete analysis for XNEP:CZBIL

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

NPR202.70
Price
NPR210.67
GF Value