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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.
FRA:ICK'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.39 Med: 0.48 Max: 0.78
Current: 0.57
During the past 13 years, the highest Debt-to-Equity Ratio of Industrial And Commercial Bank Of China was 0.78. The lowest was 0.39. And the median was 0.48.
FRA:ICK's Debt-to-Equity is ranked better than 50.14% of 1418
companies
in the Banks industry
Industry Median: 0.57
vs FRA:ICK: 0.57
Industrial And Commercial Bank Of China (FRA:ICK) 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.
Industrial And Commercial Bank Of China Debt-to-Equity Related Terms
Industrial And Commercial Bank Of China 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.
Industrial And Commercial Bank Of China Debt-to-Equity Chart
Industrial And Commercial Bank Of China Annual Data
FRA:ICK vs JPM, BAC, WFC: Debt-to-Equity Comparison
For the Banks - Diversified subindustry, Industrial And Commercial Bank Of China'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.
Industrial And Commercial Bank Of China Debt-to-Equity vs Banks Industry
* 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.
Industrial And Commercial Bank Of China (FRA:ICK) has a Debt-to-Equity of 0.57 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Industrial And Commercial Bank Of China and its competitors. This is 19% above median its historical median of 0.48. Over the past decade, Industrial And Commercial Bank Of China's Debt-to-Equity has ranged from 0.39 to 0.78. According to the industry distribution chart, Industrial And Commercial Bank Of China ranks #707 out of 1418 companies in the Banks industry, placing it in the top 49.9%.
Is Industrial And Commercial Bank Of China's Debt-to-Equity too high?
Industrial And Commercial Bank Of China's current Debt-to-Equity of 0.57 is 19% above median its 10-year median of 0.48. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 0.78. The Banks industry median Debt-to-Equity is 0.57. Industrial And Commercial Bank Of China's value of 0.57 is 0% at this industry median. Based on the distribution chart, Industrial And Commercial Bank Of China ranks #707 out of 1418 companies in the Banks industry, which is above the industry midpoint. Overall, Industrial And Commercial Bank Of China has a GF Score™ of 41/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Industrial And Commercial Bank Of China's Debt-to-Equity compare to JPM and BAC?
According to the Banks industry distribution chart, Industrial And Commercial Bank Of China ranks #707 out of 1418 companies for Debt-to-Equity. This puts Industrial And Commercial Bank Of China in the upper half of its industry. The industry median Debt-to-Equity is 0.57. Industrial And Commercial Bank Of China's value of 0.57 is 0% at this benchmark. Historically, Industrial And Commercial Bank Of China's own Debt-to-Equity has ranged from 0.39 to 0.78 over the past decade. While the company's 10-year median is 0.48 vs. the industry median of 0.57, Industrial And Commercial Bank Of China has consistently been at 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 1,418 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. Industrial And Commercial Bank Of China's current Debt-to-Equity of 0.57 is 0% at 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 Industrial And Commercial Bank Of China 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. Industrial And Commercial Bank Of China's current Debt-to-Equity is 0.57, which is 19% above median its own 10-year median of 0.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Industrial And Commercial Bank Of China stock overvalued right now?
Based on GuruFocus' analysis, Industrial And Commercial Bank Of China (FRA:ICK) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.68, compared to a current price of €0.79 — trading 16.8% above its estimated fair value. The current Debt-to-Equity is 0.57, which is 19% above median its 10-year median of 0.48 and 0% at the Banks industry median of 0.57. Industrial And Commercial Bank Of China's overall GF Score™ is 41/100 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 Industrial And Commercial Bank Of China (FRA:ICK), the current Debt-to-Equity is 0.57 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 Industrial And Commercial Bank Of China (FRA:ICK) Overvalued in 2026?
Based on GuruFocus' analysis, Industrial And Commercial Bank Of China stock appears to be overvalued.
The current stock price of €0.79 is trading 16.8% above its estimated GF Value™ of €0.68.
GuruFocus considers Industrial And Commercial Bank Of China to be Modestly Overvalued.
Key valuation signals for FRA:ICK:
Debt-to-Equity: 0.57 (19% above median its 10-year median of 0.48)
GF Value™: €0.68 vs. price of €0.79 (16.8% above fair value)
Industry Position: 0% at the Banks median (#707 of 1418)
No single metric tells the full story. See the FRA:ICK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Industrial And Commercial Bank Of China Business Description
Industrial and Commercial Bank of China was founded in 1984 and is headquartered in Beijing. The bank listed its shares in mainland China and Hong Kong in 2006. It is China's largest by asset scale and by share of lending and deposits. Central Huijin Investment (China's sovereign wealth fund manager) and China's Ministry of Finance are ICBC's two largest shareholders, each with a stake of around 35%. ICBC operates over 15,000 outlets. Of these, 413 outlets are in 49 countries and regions overseas. Corporate banking, retail banking, and wholesale banking accounted for 49%, 39%, and 11% of total revenue, respectively, and 49%, 33%, and 17% of profit before tax in 2025. Overseas banking and other business contributed 14% of total revenue and 9% of profit before tax in 2025.
41GF Score
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