Union Internationale de Banques (XTUN:UIB) LT-Debt-to-Total-Asset: 0.01 (As of Dec. 2025)

What is Union Internationale de Banques LT-Debt-to-Total-Asset?

Union Internationale de Banques XTUN:UIB -1.92% 87 LT-Debt-to-Total-Asset is 0.01 as of Dec. 2025. GuruFocus rates XTUN:UIB with a GF Score™ of 87/100 and a GF Value™ of TND24.69 (Modestly Overvalued). The stock has 3 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. Union Internationale de Banques's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.01.

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

Union Internationale de Banques (XTUN:UIB) 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.

Union Internationale de Banques LT-Debt-to-Total-Asset Related Terms

Union Internationale de Banques LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Union Internationale de Banques'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.

Union Internationale de Banques LT-Debt-to-Total-Asset Chart

Union Internationale de Banques Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.05

0.04

0.03

0.02

0.01

Union Internationale de Banques 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						0.05	0.04	0.03	0.02	0.01

87GF Score

Union Internationale de Banques SA XTUN:UIB

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Union Internationale de Banques LT-Debt-to-Total-Asset Calculation

Union Internationale de Banques'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 )
	=	113.468	/	8775.929
	=	0.01

Union Internationale de Banques'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 )
	=	113.468	/	8775.929
	=	0.01

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

What does a LT-Debt-to-Total-Asset of 0.01 mean?

Union Internationale de Banques (XTUN:UIB) 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 Union Internationale de Banques and its competitors.

Is Union Internationale de Banques' LT-Debt-to-Total-Asset too high?

Union Internationale de Banques' current LT-Debt-to-Total-Asset is 0.01. Overall, Union Internationale de Banques has a GF Score™ of 87/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Union Internationale de Banques' LT-Debt-to-Total-Asset compare to PNC and USB?

Union Internationale de Banques' 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 Union Internationale de Banques and its competitors. Union Internationale de Banques'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 Union Internationale de Banques stock overvalued right now?

Based on GuruFocus' analysis, Union Internationale de Banques (XTUN:UIB) is currently considered Modestly Overvalued. The stock's GF Value™ is TND24.69, compared to a current price of TND30.60 — trading 23.9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.01. Union Internationale de Banques' overall GF Score™ is 87/100 with 3 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 Union Internationale de Banques (XTUN:UIB), 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 Union Internationale de Banques (XTUN:UIB) Overvalued in 2026?

Based on GuruFocus' analysis, Union Internationale de Banques stock appears to be overvalued. The current stock price of TND30.60 is trading 23.9% above its estimated GF Value™ of TND24.69. GuruFocus considers Union Internationale de Banques to be Modestly Overvalued.

Key valuation signals for XTUN:UIB:

LT-Debt-to-Total-Asset: 0.01
GF Value™: TND24.69 vs. price of TND30.60 (23.9% above fair value)
GF Score™: 87/100 with 3 warning signs

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

Union Internationale de Banques Business Description

Industry Financial Services Banks

Comparable Companies XTUN:STB XTUN:BNA XTUN:UBCI XTUN:BH XTUN:BT XTUN:TJARI SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN XMAD:CABK PNC USB BSP:ITUB3

Address 65 Avenue Habib Bourguiba, Tunis, TUN

Website http://www.uib.com.tn

Union Internationale de Banques SA is engaged in providing banking services to individuals and businesses, companies and institutions.

87GF 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.

TND30.60

Price

TND24.69

GF Value

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