Banco Daycoval S.A. (BSP:DAYC3) Debt-to-Equity: 2.46 (As of Jun. 2016)

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What is Banco Daycoval S.A. Debt-to-Equity?

Banco Daycoval S.A. BSP:DAYC3 Debt-to-Equity is 2.46 as of Jun. 2016. The stock has 3 warning signs investors should review.

Banco Daycoval S.A.'s Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2016 was R$0.00 Mil. Banco Daycoval S.A.'s Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2016 was R$7,019.79 Mil. Banco Daycoval S.A.'s Total Stockholders Equity for the quarter that ended in Jun. 2016 was R$2,854.89 Mil. Banco Daycoval S.A.'s debt to equity for the quarter that ended in Jun. 2016 was 2.46.

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 Daycoval S.A.'s Debt-to-Equity or its related term are showing as below:

BSP:DAYC3' s Debt-to-Equity Range Over the Past 10 Years
Min: 0   Med: 0   Max: 0
Current: 2.46
BSP:DAYC3's Debt-to-Equity is not ranked
in the Banks industry.
Industry Median: 0.56 vs BSP:DAYC3: 2.46

Banco Daycoval S.A.  (BSP:DAYC3) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

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 Daycoval S.A. Debt-to-Equity Related Terms

Banco Daycoval S.A. Debt-to-Equity Historical Data

* Premium members only.

The historical data trend for Banco Daycoval S.A.'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.

Banco Daycoval S.A. Debt-to-Equity Chart

Banco Daycoval S.A. Annual Data
Trend Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15
Debt-to-Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.70 0.57 2.69 2.60 2.76

Banco Daycoval S.A. Quarterly Data
Sep11 Dec11 Mar12 Jun12 Sep12 Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep14 Dec14 Mar15 Jun15 Sep15 Dec15 Mar16 Jun16
Debt-to-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.01 3.02 2.76 2.62 2.46

BSP:DAYC3 vs FISI, MBIN, WSBF: Debt-to-Equity Comparison

For the Banks - Regional subindustry, Banco Daycoval S.A.'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 Daycoval S.A. Debt-to-Equity vs Banks Industry

For the Banks industry and Financial Services sector, Banco Daycoval S.A.'s Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Banco Daycoval S.A.'s Debt-to-Equity falls into.


Banco Daycoval S.A. Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Banco Daycoval S.A.'s Debt to Equity Ratio for the fiscal year that ended in Dec. 2015 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(0 + 7699.363) / 2786.751
=2.76

Banco Daycoval S.A.'s Debt to Equity Ratio for the quarter that ended in Jun. 2016 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(0 + 7019.79) / 2854.89
=2.46

* 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.

Frequently Asked Questions Learn more about Debt-to-Equity →
What does a Debt-to-Equity of 2.46 mean?
Banco Daycoval S.A. (BSP:DAYC3) has a Debt-to-Equity of 2.46 as of Jun. 2016. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Banco Daycoval S.A. and its competitors.
Is Banco Daycoval S.A.'s Debt-to-Equity too high?
Banco Daycoval S.A.'s current Debt-to-Equity is 2.46. The Banks industry median Debt-to-Equity is 0.56. Banco Daycoval S.A.'s value of 2.46 is 339.3% above this industry median.
How does Banco Daycoval S.A.'s Debt-to-Equity compare to FISI and MBIN?
Banco Daycoval S.A.'s Debt-to-Equity of 2.46 can be compared against companies in the Banks industry. The industry median Debt-to-Equity is 0.56. Banco Daycoval S.A.'s value of 2.46 is 339.3% above this benchmark. 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 0.56, based on 1,423 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 Daycoval S.A.'s current Debt-to-Equity of 2.46 is 339.3% 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 Banco Daycoval S.A. and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Daycoval S.A.'s current Debt-to-Equity is 2.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Daycoval S.A. stock overvalued right now?
Banco Daycoval S.A. (BSP:DAYC3) has a current Debt-to-Equity of 2.46. The current Debt-to-Equity is 2.46 and 339.3% above the Banks industry median of 0.56. 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 Daycoval S.A. (BSP:DAYC3), the current Debt-to-Equity is 2.46 as of Jun. 2016. 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.

Banco Daycoval S.A. Business Description

Banco Daycoval S.A. was founded in 1968. It is a is a commercial bank. The Company along with its subsidiaries is engaged in commercial, foreign exchange, investment and lending portfolios. It also provide services including management of assets, life insurance and pension plans. The Company operates in four business segments: financial segment; asset management segment; insurance and pension fund segment; andother segments. Financial segment - handles individual customer deposits and provides loan, overdraft, credit card, and wire transfer services, and performs treasury, finance and other core functions; Asset management segment - services to institutional investors and intermediaries by providing financial asset management through investment funds; and Insurance and pension fund segment - offers life insurance and open-end supplementary pension funds, by operating lump-sum and annuity plans, consisting of the plans' participants' contributions.