Banque de Tunisie (XTUN:BT) LT-Debt-to-Total-Asset: 0.01 (As of Dec. 2025)


XTUN:BT Banque de Tunisie SA XTUN:BT
98 GF Score
Price TND9.30
GF Value TND5.98
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Banque de Tunisie LT-Debt-to-Total-Asset?

Banque de Tunisie XTUN:BT 98 LT-Debt-to-Total-Asset is 0.01 as of Dec. 2025. GuruFocus rates XTUN:BT with a GF Score™ of 98/100 and a GF Value™ of TND5.98 (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 de Tunisie's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.01.

Banque de Tunisie's long-term debt to total assets ratio declined from Dec. 2023 (0.03) to Dec. 2025 (0.01). It may suggest that Banque de Tunisie is progressively becoming less dependent on debt to grow their business.

Banque de Tunisie  (XTUN:BT) 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 de Tunisie LT-Debt-to-Total-Asset Related Terms

Banque de Tunisie LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Banque de Tunisie'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 de Tunisie LT-Debt-to-Total-Asset Chart

Banque de Tunisie 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 0.06 0.04 0.03 0.02 0.01

Banque de Tunisie Semi-Annual Data
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 0.06 0.04 0.03 0.02 0.01
XTUN:BT
98GF Score
Banque de Tunisie SA XTUN:BT
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banque de Tunisie LT-Debt-to-Total-Asset Calculation

Banque de Tunisie'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 )
=126.684/9584.574
=0.01

Banque de Tunisie'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 )
=126.684/9584.574
=0.01

* 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 0.01 mean?
Banque de Tunisie (XTUN:BT) has a LT-Debt-to-Total-Asset of 0.01 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 de Tunisie and its competitors.
Is Banque de Tunisie's LT-Debt-to-Total-Asset too high?
Banque de Tunisie's current LT-Debt-to-Total-Asset is 0.01. Overall, Banque de Tunisie has a GF Score™ of 98/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banque de Tunisie's LT-Debt-to-Total-Asset compare to PNC and USB?
Banque de Tunisie's LT-Debt-to-Total-Asset of 0.01 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 de Tunisie and its competitors. Banque de Tunisie's current LT-Debt-to-Total-Asset is 0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banque de Tunisie stock overvalued right now?
Based on GuruFocus' analysis, Banque de Tunisie (XTUN:BT) is currently considered Significantly Overvalued. The stock's GF Value™ is TND5.98, compared to a current price of TND9.30 — trading 55.5% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.01. Banque de Tunisie's overall GF Score™ is 98/100 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 de Tunisie (XTUN:BT), the current LT-Debt-to-Total-Asset is 0.01 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 de Tunisie (XTUN:BT) Overvalued in 2026?

Based on GuruFocus' analysis, Banque de Tunisie stock appears to be overvalued. The current stock price of TND9.30 is trading 55.5% above its estimated GF Value™ of TND5.98. GuruFocus considers Banque de Tunisie to be Significantly Overvalued.

Key valuation signals for XTUN:BT:

  • LT-Debt-to-Total-Asset: 0.01
  • GF Value™: TND5.98 vs. price of TND9.30 (55.5% above fair value)
  • GF Score™: 98/100 with 6 warning signs

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

Banque de Tunisie Business Description

Address 2, Rue Turkey, Tunis, TUN, 1001
Banque de Tunisie SA provides banking services. It offers banking and financial services to corporate, commercial, institutional and individual customers.
98GF Score

Get the complete analysis for XTUN:BT

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

TND9.30
Price
TND5.98
GF Value