Banque Nationale Agricole (XTUN:BNA) LT-Debt-to-Total-Asset: 0.03 (As of Dec. 2025)


XTUN:BNA Banque Nationale Agricole SA XTUN:BNA
76 GF Score
Price TND21.81
GF Value TND9.41
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Banque Nationale Agricole LT-Debt-to-Total-Asset?

Banque Nationale Agricole XTUN:BNA 76 LT-Debt-to-Total-Asset is 0.03 as of Dec. 2025. GuruFocus rates XTUN:BNA with a GF Score™ of 76/100 and a GF Value™ of TND9.41 (Significantly Overvalued). The stock has 6 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. Banque Nationale Agricole's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.03.

Banque Nationale Agricole's long-term debt to total assets ratio declined from Dec. 2023 (0.03) to Dec. 2025 (0.03). It may suggest that Banque Nationale Agricole is progressively becoming less dependent on debt to grow their business.

Banque Nationale Agricole  (XTUN:BNA) 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.

Banque Nationale Agricole LT-Debt-to-Total-Asset Related Terms

Banque Nationale Agricole LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Banque Nationale Agricole'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.

Banque Nationale Agricole LT-Debt-to-Total-Asset Chart

Banque Nationale Agricole 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 0.03 0.03 0.03 0.03 0.03

Banque Nationale Agricole Semi-Annual Data
Dec13 Dec14 Dec15 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 Premium Member Only Premium Member Only Premium Member Only 0.03 0.03 0.03 0.03 0.03
XTUN:BNA
76GF Score
Banque Nationale Agricole SA XTUN:BNA
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Banque Nationale Agricole LT-Debt-to-Total-Asset Calculation

Banque Nationale Agricole'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 )
=674.929/25821.207
=0.03

Banque Nationale Agricole'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 )
=674.929/25821.207
=0.03

* 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 0.03 mean?
Banque Nationale Agricole (XTUN:BNA) has a LT-Debt-to-Total-Asset of 0.03 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 Banque Nationale Agricole and its competitors.
Is Banque Nationale Agricole's LT-Debt-to-Total-Asset too high?
Banque Nationale Agricole's current LT-Debt-to-Total-Asset is 0.03. Overall, Banque Nationale Agricole has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banque Nationale Agricole's LT-Debt-to-Total-Asset compare to PNC and USB?
Banque Nationale Agricole'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 Banque Nationale Agricole and its competitors. Banque Nationale Agricole'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 Banque Nationale Agricole stock overvalued right now?
Based on GuruFocus' analysis, Banque Nationale Agricole (XTUN:BNA) is currently considered Significantly Overvalued. The stock's GF Value™ is TND9.41, compared to a current price of TND21.81 — trading 131.8% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.03. Banque Nationale Agricole's overall GF Score™ is 76/100 with 6 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 Banque Nationale Agricole (XTUN:BNA), the current LT-Debt-to-Total-Asset is 0.03 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 Banque Nationale Agricole (XTUN:BNA) Overvalued in 2026?

Based on GuruFocus' analysis, Banque Nationale Agricole stock appears to be overvalued. The current stock price of TND21.81 is trading 131.8% above its estimated GF Value™ of TND9.41. GuruFocus considers Banque Nationale Agricole to be Significantly Overvalued.

Key valuation signals for XTUN:BNA:

  • LT-Debt-to-Total-Asset: 0.03
  • GF Value™: TND9.41 vs. price of TND21.81 (131.8% above fair value)
  • GF Score™: 76/100 with 6 warning signs

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

Banque Nationale Agricole Business Description

Address Avenue Mohamed V Bab Bhar, Tunis, TUN, 1002
Banque Nationale Agricole SA is engaged in providing banking services. The activities of the bank include accepting deposits, granting loans, credit financing, and other services.
76GF Score

Get the complete analysis for XTUN:BNA

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

TND21.81
Price
TND9.41
GF Value