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PT Bank Sinarmas TbkFRA:08S 48 Debt-to-Equity is 0.09 as of Jun. 2026, which is 13% above its 10-year median of 0.08. GuruFocus rates FRA:08S with a GF Score™ of 48/100 and a GF Value™ of €0.03. The stock has 1 warning sign investors should review. Among 1,416 Banks companies, PT Bank Sinarmas Tbk ranks better than 90.4% 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 PT Bank Sinarmas Tbk's Debt-to-Equity or its related term are showing as below:
FRA:08S'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.08 Max: 0.09
Current: 0.09
During the past 13 years, the highest Debt-to-Equity Ratio of PT Bank Sinarmas Tbk was 0.09. The lowest was 0.01. And the median was 0.08.
FRA:08S's Debt-to-Equity is ranked better than 90.4% of 1416
companies
in the Banks industry
Industry Median: 0.58
vs FRA:08S: 0.09
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.
PT Bank Sinarmas Tbk Debt-to-Equity Related Terms
PT Bank Sinarmas Tbk Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for PT Bank Sinarmas Tbk'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.
PT Bank Sinarmas Tbk Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, PT Bank Sinarmas Tbk'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.
PT Bank Sinarmas Tbk Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Sinarmas Tbk's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where PT Bank Sinarmas Tbk'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.
PT Bank Sinarmas Tbk (FRA:08S) has a Debt-to-Equity of 0.09 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PT Bank Sinarmas Tbk and its competitors. This is 13% above median its historical median of 0.08. Over the past decade, PT Bank Sinarmas Tbk's Debt-to-Equity has ranged from 0.01 to 0.09. According to the industry distribution chart, PT Bank Sinarmas Tbk ranks #136 out of 1416 companies in the Banks industry, placing it in the top 9.6%.
Is PT Bank Sinarmas Tbk's Debt-to-Equity too high?
PT Bank Sinarmas Tbk's current Debt-to-Equity of 0.09 is 13% above median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.09. The Banks industry median Debt-to-Equity is 0.58. PT Bank Sinarmas Tbk's value of 0.09 is 84.5% below this industry median. Based on the distribution chart, PT Bank Sinarmas Tbk ranks #136 out of 1416 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Sinarmas Tbk has a GF Score™ of 48/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Sinarmas Tbk's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, PT Bank Sinarmas Tbk ranks #136 out of 1416 companies for Debt-to-Equity. This places PT Bank Sinarmas Tbk in the top 10% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. PT Bank Sinarmas Tbk's value of 0.09 is 84.5% below this benchmark. Historically, PT Bank Sinarmas Tbk's own Debt-to-Equity has ranged from 0.01 to 0.09 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.58, PT Bank Sinarmas Tbk 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 1,416 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. PT Bank Sinarmas Tbk's current Debt-to-Equity of 0.09 is 84.5% 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 PT Bank Sinarmas Tbk 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. PT Bank Sinarmas Tbk's current Debt-to-Equity is 0.09, which is 13% above median its own 10-year median of 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Sinarmas Tbk stock overvalued right now?
PT Bank Sinarmas Tbk (FRA:08S) has a current Debt-to-Equity of 0.09. The stock's GF Value™ is €0.03, compared to a current price of €0.03 — trading 1.7% below its estimated fair value. The current Debt-to-Equity is 0.09, which is 13% above median its 10-year median of 0.08 and 84.5% below the Banks industry median of 0.58. PT Bank Sinarmas Tbk's overall GF Score™ is 48/100 with 1 warning sign 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 PT Bank Sinarmas Tbk (FRA:08S), the current Debt-to-Equity is 0.09 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 PT Bank Sinarmas Tbk (FRA:08S) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Sinarmas Tbk stock appears to be undervalued.
The current stock price of €0.03 is trading 1.7% below its estimated GF Value™ of €0.03.
Key valuation signals for FRA:08S:
Debt-to-Equity: 0.09 (13% above median its 10-year median of 0.08)
GF Value™: €0.03 vs. price of €0.03 (1.7% below fair value)
Industry Position: 84.5% below the Banks median (#136 of 1416)
No single metric tells the full story. See the FRA:08S stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Sinarmas Tbk provides financial services. The company is involved in credit activities, fund collection, banking service and e-banking products, bancassurance and investment products sales, credit card business, international business activities and treasury, and sharia business unit. It collects funds from the public to be distributed in the form of loans to both individuals and corporations. The company's operating segment includes Commercial Bank and Sharia Business Unit. It generates maximum revenue from the Commercial Bank segment which includes Marketing and Credit, Treasury, and Trade Finance.
48GF Score
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