Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
SBI Shinsei BankFRA:LCJ +2.44%31 Debt-to-Equity is 2.43 as of Mar. 2026, which is 48% above its 10-year median of 1.64. GuruFocus rates FRA:LCJ with a GF Score™ of 31/100. The stock has 1 warning sign investors should review. Among 1,419 Banks companies, SBI Shinsei Bank ranks worse than 88.23% 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 SBI Shinsei Bank's Debt-to-Equity or its related term are showing as below:
FRA:LCJ'
s Debt-to-Equity Range Over the Past 10 Years
Min: 1.06 Med: 1.64 Max: 2.43
Current: 2.43
During the past 13 years, the highest Debt-to-Equity Ratio of SBI Shinsei Bank was 2.43. The lowest was 1.06. And the median was 1.64.
FRA:LCJ's Debt-to-Equity is ranked worse than 88.23% of 1419
companies
in the Banks industry
Industry Median: 0.58
vs FRA:LCJ: 2.43
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.
SBI Shinsei Bank Debt-to-Equity Related Terms
SBI Shinsei Bank Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for SBI Shinsei 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.
SBI Shinsei Bank Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, SBI Shinsei 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.
SBI Shinsei Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, SBI Shinsei Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where SBI Shinsei 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.
SBI Shinsei Bank (FRA:LCJ) has a Debt-to-Equity of 2.43 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on SBI Shinsei Bank and its competitors. This is 48% above median its historical median of 1.64. Over the past decade, SBI Shinsei Bank's Debt-to-Equity has ranged from 1.06 to 2.43. According to the industry distribution chart, SBI Shinsei Bank ranks #1252 out of 1419 companies in the Banks industry, placing it in the top 88.2%.
Is SBI Shinsei Bank's Debt-to-Equity too high?
SBI Shinsei Bank's current Debt-to-Equity of 2.43 is 48% above median its 10-year median of 1.64. Over the past 10 years, this metric has ranged from a low of 1.06 to a high of 2.43. The Banks industry median Debt-to-Equity is 0.58. SBI Shinsei Bank's value of 2.43 is 319% above this industry median. Based on the distribution chart, SBI Shinsei Bank ranks #1252 out of 1419 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, SBI Shinsei Bank has a GF Score™ of 31/100, reflecting its overall financial health beyond just this single metric.
How does SBI Shinsei Bank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, SBI Shinsei Bank ranks #1252 out of 1419 companies for Debt-to-Equity. This places SBI Shinsei Bank in the lower half of its industry. The industry median Debt-to-Equity is 0.58. SBI Shinsei Bank's value of 2.43 is 319% above this benchmark. Historically, SBI Shinsei Bank's own Debt-to-Equity has ranged from 1.06 to 2.43 over the past decade. While the company's 10-year median is 1.64 vs. the industry median of 0.58, SBI Shinsei 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 0.58, based on 1,419 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. SBI Shinsei Bank's current Debt-to-Equity of 2.43 is 319% 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 SBI Shinsei 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. SBI Shinsei Bank's current Debt-to-Equity is 2.43, which is 48% above median its own 10-year median of 1.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBI Shinsei Bank stock overvalued right now?
SBI Shinsei Bank (FRA:LCJ) has a current Debt-to-Equity of 2.43. The current Debt-to-Equity is 2.43, which is 48% above median its 10-year median of 1.64 and 319% above the Banks industry median of 0.58. SBI Shinsei Bank's overall GF Score™ is 31/100 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 SBI Shinsei Bank (FRA:LCJ), the current Debt-to-Equity is 2.43 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.
SBI Shinsei Bank Ltd is a commercial bank in Japan. It provides a broad range of value-added financial solutions to institutional and individual customers under the banner of "Better Banking. It offers PowerFlex account, free ATM network and internet banking service, and customer-friendly financial centers have redefined the Japanese retail banking experience.
31GF Score
Get the complete analysis for FRA:LCJ
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:LCJ has been successfully added to your 
