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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 Howa Bank's Debt-to-Equity or its related term are showing as below:
During the past 13 years, the highest Debt-to-Equity Ratio of Howa Bank was 0.95. The lowest was 0.00. And the median was 0.39.
FSE:8559's Debt-to-Equity is not ranked *
in the Banks industry.
Industry Median: 0.58 * Ranked among companies with meaningful Debt-to-Equity only.
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.
Howa Bank Debt-to-Equity Related Terms
Howa Bank Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Howa 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.
For the Banks - Regional subindustry, Howa 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.
Howa Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Howa Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Howa 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.
Howa Bank (FSE:8559) has a Debt-to-Equity of 0.00 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Howa Bank and its competitors. According to the industry distribution chart, Howa Bank ranks #999999 out of 1414 companies in the Banks industry.
Is Howa Bank's Debt-to-Equity too high?
Howa Bank's current Debt-to-Equity is 0.00. Based on the distribution chart, Howa Bank ranks #999999 out of 1414 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Howa Bank has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Howa Bank's Debt-to-Equity compare to USB?
According to the Banks industry distribution chart, Howa Bank ranks #999999 out of 1414 companies for Debt-to-Equity. This places Howa Bank in the lower half of its industry. The industry median Debt-to-Equity is 0.58. 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 1,414 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. 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 Howa 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. Howa Bank's current Debt-to-Equity is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Howa Bank stock overvalued right now?
Based on GuruFocus' analysis, Howa Bank (FSE:8559) is currently considered Fairly Valued. The stock's GF Value™ is 円535.02, compared to a current price of 円495.00 — trading 7.5% below its estimated fair value. The current Debt-to-Equity is 0.00. Howa Bank's overall GF Score™ is 54/100. 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 Howa Bank (FSE:8559), the current Debt-to-Equity is 0.00 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 Howa Bank (FSE:8559) Overvalued in 2026?
Based on GuruFocus' analysis, Howa Bank stock appears to be undervalued.
The current stock price of 円495.00 is trading 7.5% below its estimated GF Value™ of 円535.02.
GuruFocus considers Howa Bank to be Fairly Valued.
Key valuation signals for FSE:8559:
Debt-to-Equity: 0.00
GF Value™: 円535.02 vs. price of 円495.00 (7.5% below fair value)
No single metric tells the full story. See the FSE:8559 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Howa Bank Ltd is a Japan based regional bank. It provides banking products and services in Japan. Its deposit products include general account, saving account, current account, and property accumulation housing savings deposit. It offers housing loan, reform loan, card loan, free loan, education loan, auto loans and also provides insurance services.
54GF Score
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Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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