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Safwa Islamic BankAMM:SIBK +1.78%14 Debt-to-Equity is 0.18 as of Jun. 2026, which is 200% above its 10-year median of 0.06. GuruFocus rates AMM:SIBK with a GF Score™ of 14/100. The stock has 5 warning signs investors should review. Among 1,422 Banks companies, Safwa Islamic Bank ranks better than 79.4% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Safwa Islamic Bank's Debt-to-Equity or its related term are showing as below:
AMM:SIBK'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0 Med: 0.06 Max: 0.33
Current: 0.18
During the past 13 years, the highest Debt-to-Equity Ratio of Safwa Islamic Bank was 0.33. The lowest was 0.00. And the median was 0.06.
AMM:SIBK's Debt-to-Equity is ranked better than 79.4% of 1422
companies
in the Banks industry
Industry Median: 0.575
vs AMM:SIBK: 0.18
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Safwa Islamic Bank Debt-to-Equity Related Terms
Safwa Islamic Bank Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Safwa Islamic Bank's Debt-to-Equity 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.
Safwa Islamic Bank Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Safwa Islamic Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Safwa Islamic Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Safwa Islamic Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Safwa Islamic Bank's Debt-to-Equity falls into.
* 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.
Safwa Islamic Bank (AMM:SIBK) has a Debt-to-Equity of 0.18 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Safwa Islamic Bank and its competitors. This is 200% above median its historical median of 0.06. According to the industry distribution chart, Safwa Islamic Bank ranks #293 out of 1422 companies in the Banks industry, placing it in the top 20.6%.
Is Safwa Islamic Bank's Debt-to-Equity too high?
Safwa Islamic Bank's current Debt-to-Equity of 0.18 is 200% above median its 10-year median of 0.06. The Banks industry median Debt-to-Equity is 0.58. Safwa Islamic Bank's value of 0.18 is 68.7% below this industry median. Based on the distribution chart, Safwa Islamic Bank ranks #293 out of 1422 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Safwa Islamic Bank has a GF Score™ of 14/100, reflecting its overall financial health beyond just this single metric.
How does Safwa Islamic Bank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Safwa Islamic Bank ranks #293 out of 1422 companies for Debt-to-Equity. This places Safwa Islamic Bank in the top 21% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Safwa Islamic Bank's value of 0.18 is 68.7% below this benchmark. While the company's 10-year median is 0.06 vs. the industry median of 0.58, Safwa Islamic Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Safwa Islamic Bank's current Debt-to-Equity of 0.18 is 68.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Safwa Islamic Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Safwa Islamic Bank's current Debt-to-Equity is 0.18, which is 200% above median its own 10-year median of 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Safwa Islamic Bank stock overvalued right now?
Safwa Islamic Bank (AMM:SIBK) has a current Debt-to-Equity of 0.18. The current Debt-to-Equity is 0.18, which is 200% above median its 10-year median of 0.06 and 68.7% below the Banks industry median of 0.58. Safwa Islamic Bank's overall GF Score™ is 14/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Safwa Islamic Bank (AMM:SIBK), the current Debt-to-Equity is 0.18 as of Jun. 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.
Safwa Islamic Bank provides Islamic banking and financial services in accordance with Shari'a principles on a non-interest basis. The Bank offers financial banking and structured investment services and operates through three business sectors: Retail Accounts, which manages unrestricted investment accounts, deferred sales receivables, financings, and related retail services; Corporate Accounts, which handles similar services for corporate customers; and Treasury, which is responsible for brokerage services, treasury activities, and the management of the Bank's funds. The Bank operates within the Kingdom and across other Middle Eastern countries, as well as in Europe, Asia, Africa, America, and other international markets.
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