123Fahrschule SE (XTER:123F) LT-Debt-to-Total-Asset: 0.27 (As of Dec. 2025)


XTER:123F 123Fahrschule SE XTER:123F
67 GF Score
Price €2.60
GF Value €3.57
Valuation Modestly Undervalued
! 4 Warning Signs
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What is 123Fahrschule SE LT-Debt-to-Total-Asset?

123Fahrschule SE XTER:123F 67 LT-Debt-to-Total-Asset is 0.27 as of Dec. 2025. GuruFocus rates XTER:123F with a GF Score™ of 67/100 and a GF Value™ of €3.57 (Modestly Undervalued). The stock has 4 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. 123Fahrschule SE's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.27.

123Fahrschule SE's long-term debt to total assets ratio increased from Dec. 2024 (0.09) to Dec. 2025 (0.27). It may suggest that 123Fahrschule SE is progressively becoming more dependent on debt to grow their business.

123Fahrschule SE  (XTER:123F) 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.

123Fahrschule SE LT-Debt-to-Total-Asset Related Terms

123Fahrschule SE LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for 123Fahrschule SE'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.

123Fahrschule SE LT-Debt-to-Total-Asset Chart

123Fahrschule SE Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial 0.00 0.00 0.09 0.09 0.27

123Fahrschule SE Semi-Annual Data
Dec19 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.09 0.09 0.09 0.21 0.27
XTER:123F
67GF Score
123Fahrschule SE XTER:123F
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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123Fahrschule SE LT-Debt-to-Total-Asset Calculation

123Fahrschule SE'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 )
=4.845/17.848
=0.27

123Fahrschule SE'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 )
=4.845/17.848
=0.27

* 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 0.27 mean?
123Fahrschule SE (XTER:123F) has a LT-Debt-to-Total-Asset of 0.27 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 123Fahrschule SE and its competitors.
Is 123Fahrschule SE's LT-Debt-to-Total-Asset too high?
123Fahrschule SE's current LT-Debt-to-Total-Asset is 0.27. Overall, 123Fahrschule SE has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does 123Fahrschule SE's LT-Debt-to-Total-Asset compare to EDU and TAL?
123Fahrschule SE's LT-Debt-to-Total-Asset of 0.27 can be compared against companies in the Education 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 an Education company?
A good LT-Debt-to-Total-Asset depends on the Education 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 123Fahrschule SE and its competitors. 123Fahrschule SE's current LT-Debt-to-Total-Asset is 0.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is 123Fahrschule SE stock overvalued right now?
Based on GuruFocus' analysis, 123Fahrschule SE (XTER:123F) is currently considered Modestly Undervalued. The stock's GF Value™ is €3.57, compared to a current price of €2.60 — trading 27.2% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.27. 123Fahrschule SE's overall GF Score™ is 67/100 with 4 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 123Fahrschule SE (XTER:123F), the current LT-Debt-to-Total-Asset is 0.27 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 123Fahrschule SE (XTER:123F) Overvalued in 2026?

Based on GuruFocus' analysis, 123Fahrschule SE stock appears to be undervalued. The current stock price of €2.60 is trading 27.2% below its estimated GF Value™ of €3.57. GuruFocus considers 123Fahrschule SE to be Modestly Undervalued.

Key valuation signals for XTER:123F:

  • LT-Debt-to-Total-Asset: 0.27
  • GF Value™: €3.57 vs. price of €2.60 (27.2% below fair value)
  • GF Score™: 67/100 with 4 warning signs

No single metric tells the full story. See the XTER:123F stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

123Fahrschule SE Business Description

Other Exchanges 123F:Germany
Address Klopstockstr. 1, Cologne, DEU, 50968
123Fahrschule SE is a digital driving school chain. It is specialized in the consolidation and digital expansion of the classic driving license training of the German driving school market. The company offers its learner drivers a digital, effective and intelligent application software for administration, e-learning and individual learning status control for driver's license training for all driver's license classes.
67GF Score

Get the complete analysis for XTER:123F

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

€2.60
Price
€3.57
GF Value