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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 Al Arafah Islami Bank's Debt-to-Equity or its related term are showing as below:
DHA:ALARABANK'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.12 Med: 0.49 Max: 0.74
Current: 0.49
During the past 11 years, the highest Debt-to-Equity Ratio of Al Arafah Islami Bank was 0.74. The lowest was 0.12. And the median was 0.49.
DHA:ALARABANK's Debt-to-Equity is ranked better than 56.03% of 1410
companies
in the Banks industry
Industry Median: 0.58
vs DHA:ALARABANK: 0.49
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.
Al Arafah Islami Bank Debt-to-Equity Related Terms
Al Arafah Islami Bank Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Al Arafah Islami Bank'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.
Al Arafah Islami Bank Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Al Arafah Islami 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.
Al Arafah Islami Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Al Arafah Islami Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Al Arafah Islami 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.
Al Arafah Islami Bank (DHA:ALARABANK) has a Debt-to-Equity of 0.49 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Al Arafah Islami Bank and its competitors. This is near median its historical median of 0.49. Over the past decade, Al Arafah Islami Bank's Debt-to-Equity has ranged from 0.12 to 0.74. According to the industry distribution chart, Al Arafah Islami Bank ranks #620 out of 1410 companies in the Banks industry, placing it in the top 44%.
Is Al Arafah Islami Bank's Debt-to-Equity too high?
Al Arafah Islami Bank's current Debt-to-Equity of 0.49 is near median its 10-year median of 0.49. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.74. The Banks industry median Debt-to-Equity is 0.58. Al Arafah Islami Bank's value of 0.49 is 15.5% below this industry median. Based on the distribution chart, Al Arafah Islami Bank ranks #620 out of 1410 companies in the Banks industry, which is above the industry midpoint. Overall, Al Arafah Islami Bank has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al Arafah Islami Bank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Al Arafah Islami Bank ranks #620 out of 1410 companies for Debt-to-Equity. This puts Al Arafah Islami Bank in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Al Arafah Islami Bank's value of 0.49 is 15.5% below this benchmark. Historically, Al Arafah Islami Bank's own Debt-to-Equity has ranged from 0.12 to 0.74 over the past decade. While the company's 10-year median is 0.49 vs. the industry median of 0.58, Al Arafah Islami Bank 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 0.58, based on 1,410 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. Al Arafah Islami Bank's current Debt-to-Equity of 0.49 is 15.5% 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 Al Arafah Islami Bank 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. Al Arafah Islami Bank's current Debt-to-Equity is 0.49, which is near median its own 10-year median of 0.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Arafah Islami Bank stock overvalued right now?
Based on GuruFocus' analysis, Al Arafah Islami Bank (DHA:ALARABANK) is currently considered Modestly Undervalued. The stock's GF Value™ is BDT17.29, compared to a current price of BDT15.40 — trading 10.9% below its estimated fair value. The current Debt-to-Equity is 0.49, which is near median its 10-year median of 0.49 and 15.5% below the Banks industry median of 0.58. Al Arafah Islami Bank's overall GF Score™ is 72/100 with 4 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 Al Arafah Islami Bank (DHA:ALARABANK), the current Debt-to-Equity is 0.49 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 Al Arafah Islami Bank (DHA:ALARABANK) Overvalued in 2026?
Based on GuruFocus' analysis, Al Arafah Islami Bank stock appears to be undervalued.
The current stock price of BDT15.40 is trading 10.9% below its estimated GF Value™ of BDT17.29.
GuruFocus considers Al Arafah Islami Bank to be Modestly Undervalued.
Key valuation signals for DHA:ALARABANK:
Debt-to-Equity: 0.49 (near median its 10-year median of 0.49)
GF Value™: BDT17.29 vs. price of BDT15.40 (10.9% below fair value)
Industry Position: 15.5% below the Banks median (#620 of 1410)
No single metric tells the full story. See the DHA:ALARABANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Arafah Islami Bank PLC is a Bangladesh-based company engaged in providing commercial banking, consumer banking, trade finance, and related custody and clearing services. Its deposit products include current, saving, term, and short notice deposits; and marriage savings investment schemes, among others. The principal activities of the Bank are to provide a comprehensive range of financial services including commercial banking, consumer banking, trade finance and other related custody and clearing services to the customers. Geographically, it operates only in Bangladesh. It serves Agriculture; Construction; Power, Gas, Water and Sanitary Services; Transport and communication; Trade services; Storage; Professional & Miscellaneous services and other sectors.
72GF Score
Get the complete analysis for DHA:ALARABANK
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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