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Banco PineBSP:PINE3 -0.80%73 Debt-to-Equity is 4.51 as of Mar. 2026, which is 32% above its 10-year median of 3.41. GuruFocus rates BSP:PINE3 with a GF Score™ of 73/100 and a GF Value™ of R$12.98 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,419 Banks companies, Banco Pine ranks worse than 96.05% 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 Pine's Debt-to-Equity or its related term are showing as below:
BSP:PINE3'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.33 Med: 3.41 Max: 5.98
Current: 4.51
During the past 13 years, the highest Debt-to-Equity Ratio of Banco Pine was 5.98. The lowest was 0.33. And the median was 3.41.
BSP:PINE3's Debt-to-Equity is ranked worse than 96.05% of 1419
companies
in the Banks industry
Industry Median: 0.59
vs BSP:PINE3: 4.51
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 Pine Debt-to-Equity Related Terms
Banco Pine Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Banco Pine'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 Pine'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 Pine Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Banco Pine's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Banco Pine'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 Pine (BSP:PINE3) has a Debt-to-Equity of 4.51 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Banco Pine and its competitors. This is 32% above median its historical median of 3.41. Over the past decade, Banco Pine's Debt-to-Equity has ranged from 0.33 to 5.98. According to the industry distribution chart, Banco Pine ranks #1363 out of 1419 companies in the Banks industry, placing it in the top 96.1%.
Is Banco Pine's Debt-to-Equity too high?
Banco Pine's current Debt-to-Equity of 4.51 is 32% above median its 10-year median of 3.41. Over the past 10 years, this metric has ranged from a low of 0.33 to a high of 5.98. The Banks industry median Debt-to-Equity is 0.59. Banco Pine's value of 4.51 is 664.4% above this industry median. Based on the distribution chart, Banco Pine ranks #1363 out of 1419 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Banco Pine has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Banco Pine's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Banco Pine ranks #1363 out of 1419 companies for Debt-to-Equity. This places Banco Pine in the lower half of its industry. The industry median Debt-to-Equity is 0.59. Banco Pine's value of 4.51 is 664.4% above this benchmark. Historically, Banco Pine's own Debt-to-Equity has ranged from 0.33 to 5.98 over the past decade. While the company's 10-year median is 3.41 vs. the industry median of 0.59, Banco Pine 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 0.59, based on 1,419 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 Pine's current Debt-to-Equity of 4.51 is 664.4% 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 Pine and its competitors. For the Banks industry, the median Debt-to-Equity is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Pine's current Debt-to-Equity is 4.51, which is 32% above median its own 10-year median of 3.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Pine stock overvalued right now?
Based on GuruFocus' analysis, Banco Pine (BSP:PINE3) is currently considered Modestly Undervalued. The stock's GF Value™ is R$12.98, compared to a current price of R$9.98 — trading 23.1% below its estimated fair value. The current Debt-to-Equity is 4.51, which is 32% above median its 10-year median of 3.41 and 664.4% above the Banks industry median of 0.59. Banco Pine's overall GF Score™ is 73/100 with 2 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 Pine (BSP:PINE3), the current Debt-to-Equity is 4.51 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 Pine (BSP:PINE3) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Pine stock appears to be undervalued.
The current stock price of R$9.98 is trading 23.1% below its estimated GF Value™ of R$12.98.
GuruFocus considers Banco Pine to be Modestly Undervalued.
Key valuation signals for BSP:PINE3:
Debt-to-Equity: 4.51 (32% above median its 10-year median of 3.41)
GF Value™: R$12.98 vs. price of R$9.98 (23.1% below fair value)
Industry Position: 664.4% above the Banks median (#1363 of 1419)
No single metric tells the full story. See the BSP:PINE3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Pine SA is a banking company. It operates commercial, credit and financing and foreign exchange portfolios. The company's operations are conducted in the context of a group of institutions which act jointly, and certain transactions involve the co-participation or intermediation of member companies of the Pine financial conglomerate. The benefits from the intercompany services and the costs for the operating and administrative structures are absorbed, either jointly or individually, by these companies as is practicable and reasonable in the circumstances.
73GF Score
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