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China Construction BankCICHF -5.94%42 Debt-to-Equity is 0.77 as of Mar. 2026, which is 22% above its 10-year median of 0.63. GuruFocus rates CICHF with a GF Score™ of 42/100 and a GF Value™ of $0.88 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,422 Banks companies, China Construction Bank ranks worse than 59.7% 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 China Construction Bank's Debt-to-Equity or its related term are showing as below:
CICHF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.49 Med: 0.63 Max: 0.99
Current: 0.77
During the past 13 years, the highest Debt-to-Equity Ratio of China Construction Bank was 0.99. The lowest was 0.49. And the median was 0.63.
CICHF's Debt-to-Equity is ranked worse than 59.7% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs CICHF: 0.77
China Construction Bank (OTCPK:CICHF) Debt-to-Equity Explanation
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.
China Construction Bank Debt-to-Equity Related Terms
China Construction Bank 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.
For the Banks - Diversified subindustry, China Construction Bank'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.
China Construction Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, China Construction Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where China Construction Bank'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.
China Construction Bank (CICHF) has a Debt-to-Equity of 0.77 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on China Construction Bank and its competitors. This is 22% above median its historical median of 0.63. Over the past decade, China Construction Bank's Debt-to-Equity has ranged from 0.49 to 0.99. According to the industry distribution chart, China Construction Bank ranks #849 out of 1422 companies in the Banks industry, placing it in the top 59.7%.
Is China Construction Bank's Debt-to-Equity too high?
China Construction Bank's current Debt-to-Equity of 0.77 is 22% above median its 10-year median of 0.63. Over the past 10 years, this metric has ranged from a low of 0.49 to a high of 0.99. The Banks industry median Debt-to-Equity is 0.57. China Construction Bank's value of 0.77 is 35.1% above this industry median. Based on the distribution chart, China Construction Bank ranks #849 out of 1422 companies in the Banks industry, which is below the industry midpoint. Overall, China Construction Bank has a GF Score™ of 42/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does China Construction Bank's Debt-to-Equity compare to JPM and BAC?
According to the Banks industry distribution chart, China Construction Bank ranks #849 out of 1422 companies for Debt-to-Equity. This places China Construction Bank in the lower half of its industry. The industry median Debt-to-Equity is 0.57. China Construction Bank's value of 0.77 is 35.1% above this benchmark. Historically, China Construction Bank's own Debt-to-Equity has ranged from 0.49 to 0.99 over the past decade. While the company's 10-year median is 0.63 vs. the industry median of 0.57, China Construction Bank 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 0.57, 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. China Construction Bank's current Debt-to-Equity of 0.77 is 35.1% 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 China Construction Bank 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. China Construction Bank's current Debt-to-Equity is 0.77, which is 22% above median its own 10-year median of 0.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Construction Bank stock overvalued right now?
Based on GuruFocus' analysis, China Construction Bank (CICHF) is currently considered Modestly Overvalued. The stock's GF Value™ is $0.88, compared to a current price of $1.08 — trading 22.3% above its estimated fair value. The current Debt-to-Equity is 0.77, which is 22% above median its 10-year median of 0.63 and 35.1% above the Banks industry median of 0.57. China Construction Bank's overall GF Score™ is 42/100 with 8 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 China Construction Bank (CICHF), the current Debt-to-Equity is 0.77 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 China Construction Bank (CICHF) Overvalued in 2026?
Based on GuruFocus' analysis, China Construction Bank stock appears to be overvalued.
The current stock price of $1.08 is trading 22.3% above its estimated GF Value™ of $0.88.
GuruFocus considers China Construction Bank to be Modestly Overvalued.
Key valuation signals for CICHF:
Debt-to-Equity: 0.77 (22% above median its 10-year median of 0.63)
GF Value™: $0.88 vs. price of $1.08 (22.3% above fair value)
Industry Position: 35.1% above the Banks median (#849 of 1422)
No single metric tells the full story. See the CICHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Construction Bank, headquartered in Beijing, is China's second-largest bank. It went public on the Hong Kong Stock Exchange in 2005 and listed shares in mainland China in 2007. Central Huijin Investment, China's sovereign wealth fund manager, is the largest shareholder with a 57% share. Fullerton Financial Holdings (a subsidiary of Temasek) is the second-largest shareholder with a 4.99% stake. CCB strives to provide customers with comprehensive financial services. The corporate banking, retail banking, and wholesale banking business segments accounted for 22%, 41%, and 34% of profit before tax, respectively, in 2025.
42GF Score
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