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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 PT Bank CIMB Niaga Tbk's Debt-to-Equity or its related term are showing as below:
FRA:NKX'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.12 Med: 0.23 Max: 0.44
Current: 0.19
During the past 13 years, the highest Debt-to-Equity Ratio of PT Bank CIMB Niaga Tbk was 0.44. The lowest was 0.12. And the median was 0.23.
FRA:NKX's Debt-to-Equity is ranked better than 78.44% of 1410
companies
in the Banks industry
Industry Median: 0.58
vs FRA:NKX: 0.19
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 CIMB Niaga Tbk Debt-to-Equity Related Terms
PT Bank CIMB Niaga Tbk Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for PT Bank CIMB Niaga 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 CIMB Niaga Tbk Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, PT Bank CIMB Niaga 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 CIMB Niaga Tbk Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank CIMB Niaga Tbk's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where PT Bank CIMB Niaga 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 CIMB Niaga Tbk (FRA:NKX) has a Debt-to-Equity of 0.68 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PT Bank CIMB Niaga Tbk and its competitors. This is 196% above median its historical median of 0.23. Over the past decade, PT Bank CIMB Niaga Tbk's Debt-to-Equity has ranged from 0.12 to 0.44. According to the industry distribution chart, PT Bank CIMB Niaga Tbk ranks #304 out of 1410 companies in the Banks industry, placing it in the top 21.6%.
Is PT Bank CIMB Niaga Tbk's Debt-to-Equity too high?
PT Bank CIMB Niaga Tbk's current Debt-to-Equity of 0.68 is 196% above median its 10-year median of 0.23. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.44. The Banks industry median Debt-to-Equity is 0.58. PT Bank CIMB Niaga Tbk's value of 0.68 is 17.2% above this industry median. Based on the distribution chart, PT Bank CIMB Niaga Tbk ranks #304 out of 1410 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank CIMB Niaga Tbk has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank CIMB Niaga Tbk's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, PT Bank CIMB Niaga Tbk ranks #304 out of 1410 companies for Debt-to-Equity. This places PT Bank CIMB Niaga Tbk in the top 22% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. PT Bank CIMB Niaga Tbk's value of 0.68 is 17.2% above this benchmark. Historically, PT Bank CIMB Niaga Tbk's own Debt-to-Equity has ranged from 0.12 to 0.44 over the past decade. While the company's 10-year median is 0.23 vs. the industry median of 0.58, PT Bank CIMB Niaga Tbk 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 1,410 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. PT Bank CIMB Niaga Tbk's current Debt-to-Equity of 0.68 is 17.2% 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 PT Bank CIMB Niaga 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 CIMB Niaga Tbk's current Debt-to-Equity is 0.68, which is 196% above median its own 10-year median of 0.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank CIMB Niaga Tbk stock overvalued right now?
PT Bank CIMB Niaga Tbk (FRA:NKX) has a current Debt-to-Equity of 0.68. The stock's GF Value™ is €0.07, compared to a current price of €0.07 — trading 5.7% below its estimated fair value. The current Debt-to-Equity is 0.68, which is 196% above median its 10-year median of 0.23 and 17.2% above the Banks industry median of 0.58. PT Bank CIMB Niaga Tbk's overall GF Score™ is 80/100 with 3 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 PT Bank CIMB Niaga Tbk (FRA:NKX), the current Debt-to-Equity is 0.68 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 CIMB Niaga Tbk (FRA:NKX) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank CIMB Niaga Tbk stock appears to be undervalued.
The current stock price of €0.07 is trading 5.7% below its estimated GF Value™ of €0.07.
Key valuation signals for FRA:NKX:
Debt-to-Equity: 0.68 (196% above median its 10-year median of 0.23)
GF Value™: €0.07 vs. price of €0.07 (5.7% below fair value)
Industry Position: 17.2% above the Banks median (#304 of 1410)
No single metric tells the full story. See the FRA:NKX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank CIMB Niaga Tbk operates in the commercial banking sector. Its principal activities include accepting funds from the public in the form of deposits, namely current accounts, time deposits, certificates of deposits, and saving accounts; providing loans, safe deposit boxes, and online banking facilities; performing custodian and treasury activities; offering credit cards, factoring, and trust services; and others. The company's reportable segments are Corporate, Business, Retail, Treasury, Sharia, Others, and Subsidiaries. Key revenue is generated from its Retail segment, which focuses on providing products and services to individual customers. It includes products such as loans, deposits, and other transactions, and balances with retail customers.
80GF Score
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