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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 BCO Estado do Rio Grande do Sul's Debt-to-Equity or its related term are showing as below:
BSP:BRSR3'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.39 Med: 0.77 Max: 1.15
Current: 0.85
During the past 13 years, the highest Debt-to-Equity Ratio of BCO Estado do Rio Grande do Sul was 1.15. The lowest was 0.39. And the median was 0.77.
BSP:BRSR3's Debt-to-Equity is ranked worse than 61.8% of 1411
companies
in the Banks industry
Industry Median: 0.58
vs BSP:BRSR3: 0.85
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.
BCO Estado do Rio Grande do Sul Debt-to-Equity Related Terms
BCO Estado do Rio Grande do Sul Debt-to-Equity Historical Data
* 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.
BCO Estado do Rio Grande do Sul Debt-to-Equity Chart
BCO Estado do Rio Grande do Sul Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, BCO Estado do Rio Grande do Sul'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.
BCO Estado do Rio Grande do Sul Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, BCO Estado do Rio Grande do Sul's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where BCO Estado do Rio Grande do Sul'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.
BCO Estado do Rio Grande do Sul (BSP:BRSR3) has a Debt-to-Equity of 0.85 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on BCO Estado do Rio Grande do Sul and its competitors. This is 10% above median its historical median of 0.77. Over the past decade, BCO Estado do Rio Grande do Sul's Debt-to-Equity has ranged from 0.39 to 1.15. According to the industry distribution chart, BCO Estado do Rio Grande do Sul ranks #872 out of 1411 companies in the Banks industry, placing it in the top 61.8%.
Is BCO Estado do Rio Grande do Sul's Debt-to-Equity too high?
BCO Estado do Rio Grande do Sul's current Debt-to-Equity of 0.85 is 10% above median its 10-year median of 0.77. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 1.15. The Banks industry median Debt-to-Equity is 0.58. BCO Estado do Rio Grande do Sul's value of 0.85 is 46.6% above this industry median. Based on the distribution chart, BCO Estado do Rio Grande do Sul ranks #872 out of 1411 companies in the Banks industry, which is below the industry midpoint. Overall, BCO Estado do Rio Grande do Sul has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BCO Estado do Rio Grande do Sul's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, BCO Estado do Rio Grande do Sul ranks #872 out of 1411 companies for Debt-to-Equity. This places BCO Estado do Rio Grande do Sul in the lower half of its industry. The industry median Debt-to-Equity is 0.58. BCO Estado do Rio Grande do Sul's value of 0.85 is 46.6% above this benchmark. Historically, BCO Estado do Rio Grande do Sul's own Debt-to-Equity has ranged from 0.39 to 1.15 over the past decade. While the company's 10-year median is 0.77 vs. the industry median of 0.58, BCO Estado do Rio Grande do Sul has consistently been above 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 1,411 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. BCO Estado do Rio Grande do Sul's current Debt-to-Equity of 0.85 is 46.6% above 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 BCO Estado do Rio Grande do Sul 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. BCO Estado do Rio Grande do Sul's current Debt-to-Equity is 0.85, which is 10% above median its own 10-year median of 0.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BCO Estado do Rio Grande do Sul stock overvalued right now?
Based on GuruFocus' analysis, BCO Estado do Rio Grande do Sul (BSP:BRSR3) is currently considered Modestly Overvalued. The stock's GF Value™ is R$14.92, compared to a current price of R$18.31 — trading 22.7% above its estimated fair value. The current Debt-to-Equity is 0.85, which is 10% above median its 10-year median of 0.77 and 46.6% above the Banks industry median of 0.58. BCO Estado do Rio Grande do Sul's overall GF Score™ is 72/100 with 6 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 BCO Estado do Rio Grande do Sul (BSP:BRSR3), the current Debt-to-Equity is 0.85 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.
Is BCO Estado do Rio Grande do Sul (BSP:BRSR3) Overvalued in 2026?
Based on GuruFocus' analysis, BCO Estado do Rio Grande do Sul stock appears to be overvalued.
The current stock price of R$18.31 is trading 22.7% above its estimated GF Value™ of R$14.92.
GuruFocus considers BCO Estado do Rio Grande do Sul to be Modestly Overvalued.
Key valuation signals for BSP:BRSR3:
Debt-to-Equity: 0.85 (10% above median its 10-year median of 0.77)
GF Value™: R$14.92 vs. price of R$18.31 (22.7% above fair value)
Industry Position: 46.6% above the Banks median (#872 of 1411)
No single metric tells the full story. See the BSP:BRSR3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BCO Estado do Rio Grande do Sul SA is a Brazil-based commercial bank that provides personal and corporate banking services. It provides financial services such as multiple banks, providing brokering services, consortia, card management, and warehouses. The company with its subsidiaries and affiliates operates commercial, lending, financing and investment, mortgage loan, development, leasing, and investment portfolios, including foreign exchange transactions, securities brokerage, and credit card and consortium management.
72GF Score
Get the complete analysis for BSP:BRSR3
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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