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The Federal BankFDBAY 74 Debt-to-Equity is 0.83 as of Mar. 2026, which is 5% above its 10-year median of 0.79. GuruFocus rates FDBAY with a GF Score™ of 74/100. The stock has 7 warning signs investors should review. Among 1,423 Banks companies, The Federal Bank ranks worse than 61.56% 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 The Federal Bank's Debt-to-Equity or its related term are showing as below:
FDBAY'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.61 Med: 0.79 Max: 1.17
Current: 0.83
During the past 13 years, the highest Debt-to-Equity Ratio of The Federal Bank was 1.17. The lowest was 0.61. And the median was 0.79.
FDBAY's Debt-to-Equity is ranked worse than 61.56% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs FDBAY: 0.83
The Federal Bank (OTCPK:FDBAY) 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.
The Federal Bank Debt-to-Equity Related Terms
The Federal Bank Debt-to-Equity Historical Data
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The historical data trend for The Federal 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.
The Federal Bank Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, The Federal 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.
The Federal Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, The Federal Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where The Federal 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.
The Federal Bank (FDBAY) has a Debt-to-Equity of 0.83 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on The Federal Bank and its competitors. This is near median its historical median of 0.79. Over the past decade, The Federal Bank's Debt-to-Equity has ranged from 0.61 to 1.17. According to the industry distribution chart, The Federal Bank ranks #876 out of 1423 companies in the Banks industry, placing it in the top 61.6%.
Is The Federal Bank's Debt-to-Equity too high?
The Federal Bank's current Debt-to-Equity of 0.83 is near median its 10-year median of 0.79. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 1.17. The Banks industry median Debt-to-Equity is 0.56. The Federal Bank's value of 0.83 is 48.2% above this industry median. Based on the distribution chart, The Federal Bank ranks #876 out of 1423 companies in the Banks industry, which is below the industry midpoint. Overall, The Federal Bank has a GF Score™ of 74/100, reflecting its overall financial health beyond just this single metric.
How does The Federal Bank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, The Federal Bank ranks #876 out of 1423 companies for Debt-to-Equity. This places The Federal Bank in the lower half of its industry. The industry median Debt-to-Equity is 0.56. The Federal Bank's value of 0.83 is 48.2% above this benchmark. Historically, The Federal Bank's own Debt-to-Equity has ranged from 0.61 to 1.17 over the past decade. While the company's 10-year median is 0.79 vs. the industry median of 0.56, The Federal 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 0.56, 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. The Federal Bank's current Debt-to-Equity of 0.83 is 48.2% 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 The Federal Bank 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. The Federal Bank's current Debt-to-Equity is 0.83, which is near median its own 10-year median of 0.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Federal Bank stock overvalued right now?
The Federal Bank (FDBAY) has a current Debt-to-Equity of 0.83. The current Debt-to-Equity is 0.83, which is near median its 10-year median of 0.79 and 48.2% above the Banks industry median of 0.56. The Federal Bank's overall GF Score™ is 74/100 with 7 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 The Federal Bank (FDBAY), the current Debt-to-Equity is 0.83 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.
The Federal Bank Ltd is an India-based commercial banking company. The company operates through a network of branches and ATMs across India. The company's business segments consist of the Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The company generates key revenue from the Retail Banking segment, which is engaged in lending of funds, acceptance of deposits, and other banking services to any legal person, including small business customers, on the basis of the status of the borrower, nature of the product, granularity of the exposure, and quantum thereof.
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