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BSP Financial GroupASX:BFL +0.13%50 Debt-to-Equity is 0.05 as of Dec. 2025, which is 29% below its 10-year median of 0.07. GuruFocus rates ASX:BFL with a GF Score™ of 50/100 and a GF Value™ of A$8.03 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,422 Banks companies, BSP Financial Group ranks better than 94.23% 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 BSP Financial Group's Debt-to-Equity or its related term are showing as below:
ASX:BFL'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.05 Med: 0.07 Max: 0.14
Current: 0.05
During the past 5 years, the highest Debt-to-Equity Ratio of BSP Financial Group was 0.14. The lowest was 0.05. And the median was 0.07.
ASX:BFL's Debt-to-Equity is ranked better than 94.23% of 1422
companies
in the Banks industry
Industry Median: 0.575
vs ASX:BFL: 0.05
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.
BSP Financial Group Debt-to-Equity Related Terms
BSP Financial Group Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for BSP Financial Group'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.
For the Banks - Regional subindustry, BSP Financial Group'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.
BSP Financial Group Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, BSP Financial Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where BSP Financial Group'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.
BSP Financial Group (ASX:BFL) has a Debt-to-Equity of 0.05 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on BSP Financial Group and its competitors. This is 29% below median its historical median of 0.07. Over the past decade, BSP Financial Group's Debt-to-Equity has ranged from 0.05 to 0.14. According to the industry distribution chart, BSP Financial Group ranks #82 out of 1422 companies in the Banks industry, placing it in the top 5.8%.
Is BSP Financial Group's Debt-to-Equity too high?
BSP Financial Group's current Debt-to-Equity of 0.05 is 29% below median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.14. The Banks industry median Debt-to-Equity is 0.58. BSP Financial Group's value of 0.05 is 91.3% below this industry median. Based on the distribution chart, BSP Financial Group ranks #82 out of 1422 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BSP Financial Group has a GF Score™ of 50/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BSP Financial Group's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, BSP Financial Group ranks #82 out of 1422 companies for Debt-to-Equity. This places BSP Financial Group in the top 6% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. BSP Financial Group's value of 0.05 is 91.3% below this benchmark. Historically, BSP Financial Group's own Debt-to-Equity has ranged from 0.05 to 0.14 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.58, BSP Financial Group 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. BSP Financial Group's current Debt-to-Equity of 0.05 is 91.3% 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 BSP Financial Group 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. BSP Financial Group's current Debt-to-Equity is 0.05, which is 29% below median its own 10-year median of 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BSP Financial Group stock overvalued right now?
Based on GuruFocus' analysis, BSP Financial Group (ASX:BFL) is currently considered Fairly Valued. The stock's GF Value™ is A$8.03, compared to a current price of A$7.88 — trading 1.9% below its estimated fair value. The current Debt-to-Equity is 0.05, which is 29% below median its 10-year median of 0.07 and 91.3% below the Banks industry median of 0.58. BSP Financial Group's overall GF Score™ is 50/100 with 1 warning sign 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 BSP Financial Group (ASX:BFL), the current Debt-to-Equity is 0.05 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 BSP Financial Group (ASX:BFL) Overvalued in 2026?
Based on GuruFocus' analysis, BSP Financial Group stock appears to be undervalued.
The current stock price of A$7.88 is trading 1.9% below its estimated GF Value™ of A$8.03.
GuruFocus considers BSP Financial Group to be Fairly Valued.
Key valuation signals for ASX:BFL:
Debt-to-Equity: 0.05 (29% below median its 10-year median of 0.07)
GF Value™: A$8.03 vs. price of A$7.88 (1.9% below fair value)
Industry Position: 91.3% below the Banks median (#82 of 1422)
No single metric tells the full story. See the ASX:BFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BSP Financial Group Ltd is a diversified business covering banking, asset finance, life insurance, and fund management. The company's operating segments include banking services, split into PNG Bank and Offshore Banks, and non-banking services, which comprise insurance operations, fund management, and asset financing activities. It generates a vast majority of its revenues from the PNG Bank segment. Geographically, the company operates in Papua New Guinea, Fiji, Solomon Islands, Cook Islands, Tonga, Samoa, Vanuatu, Cambodia, and Laos.
50GF Score
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