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Banco HipotecarioBHPTY 52 Debt-to-Equity is 0.36 as of Mar. 2026, which is 64% below its 10-year median of 1.01. GuruFocus rates BHPTY with a GF Score™ of 52/100 and a GF Value™ of $2.78. The stock has 3 warning signs investors should review. Among 1,418 Banks companies, Banco Hipotecario ranks better than 63.61% 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 Banco Hipotecario's Debt-to-Equity or its related term are showing as below:
BHPTY'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.11 Med: 1.01 Max: 3.93
Current: 0.36
During the past 13 years, the highest Debt-to-Equity Ratio of Banco Hipotecario was 3.93. The lowest was 0.11. And the median was 1.01.
BHPTY's Debt-to-Equity is ranked better than 63.61% of 1418
companies
in the Banks industry
Industry Median: 0.57
vs BHPTY: 0.36
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.
Banco Hipotecario Debt-to-Equity Related Terms
Banco Hipotecario Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Banco Hipotecario'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, Banco Hipotecario'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.
Banco Hipotecario Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Banco Hipotecario's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Banco Hipotecario'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.
Banco Hipotecario (BHPTY) has a Debt-to-Equity of 0.36 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Banco Hipotecario and its competitors. This is 64% below median its historical median of 1.01. Over the past decade, Banco Hipotecario's Debt-to-Equity has ranged from 0.11 to 3.93. According to the industry distribution chart, Banco Hipotecario ranks #516 out of 1418 companies in the Banks industry, placing it in the top 36.4%.
Is Banco Hipotecario's Debt-to-Equity too high?
Banco Hipotecario's current Debt-to-Equity of 0.36 is 64% below median its 10-year median of 1.01. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 3.93. The Banks industry median Debt-to-Equity is 0.57. Banco Hipotecario's value of 0.36 is 36.8% below this industry median. Based on the distribution chart, Banco Hipotecario ranks #516 out of 1418 companies in the Banks industry, which is above the industry midpoint. Overall, Banco Hipotecario has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does Banco Hipotecario's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Banco Hipotecario ranks #516 out of 1418 companies for Debt-to-Equity. This puts Banco Hipotecario in the upper half of its industry. The industry median Debt-to-Equity is 0.57. Banco Hipotecario's value of 0.36 is 36.8% below this benchmark. Historically, Banco Hipotecario's own Debt-to-Equity has ranged from 0.11 to 3.93 over the past decade. While the company's 10-year median is 1.01 vs. the industry median of 0.57, Banco Hipotecario 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 0.57, based on 1,418 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. Banco Hipotecario's current Debt-to-Equity of 0.36 is 36.8% 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 Banco Hipotecario and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Hipotecario's current Debt-to-Equity is 0.36, which is 64% below median its own 10-year median of 1.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Hipotecario stock overvalued right now?
Banco Hipotecario (BHPTY) has a current Debt-to-Equity of 0.36. The stock's GF Value™ is $2.78, compared to a current price of $3.08 — trading 10.8% above its estimated fair value. The current Debt-to-Equity is 0.36, which is 64% below median its 10-year median of 1.01 and 36.8% below the Banks industry median of 0.57. Banco Hipotecario's overall GF Score™ is 52/100 with 3 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 Banco Hipotecario (BHPTY), the current Debt-to-Equity is 0.36 as of Mar. 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.
Is Banco Hipotecario (BHPTY) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Hipotecario stock appears to be overvalued.
The current stock price of $3.08 is trading 10.8% above its estimated GF Value™ of $2.78.
Key valuation signals for BHPTY:
Debt-to-Equity: 0.36 (64% below median its 10-year median of 1.01)
GF Value™: $2.78 vs. price of $3.08 (10.8% above fair value)
Industry Position: 36.8% below the Banks median (#516 of 1418)
No single metric tells the full story. See the BHPTY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Hipotecario SA acts as a banking corporation based in Argentina. The company's operating segment includes Finance, Wholesale Banking, Retail Banking, and Others. Retail Banking segment includes loans granted and other credit products, such as deposit taking from individuals. The Wholesale Banking segment encompasses corporate and financial advice, as well as asset management and loans to large customers. It generates maximum revenue from the Retail banking segment. Some of its product include mortgage credits, personal loans, insurance, cash management, and others. Geographically, it operates only in Argentina.
52GF Score
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