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Huishang BankHHSSF 54 Debt-to-Equity is 2.23 as of Dec. 2025, which is 23% above its 10-year median of 1.81. GuruFocus rates HHSSF with a GF Score™ of 54/100 and a GF Value™ of $0.25. The stock has 3 warning signs investors should review. Among 1,418 Banks companies, Huishang Bank ranks worse than 86.95% 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 Huishang Bank's Debt-to-Equity or its related term are showing as below:
HHSSF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 1.28 Med: 1.81 Max: 2.23
Current: 2.23
During the past 13 years, the highest Debt-to-Equity Ratio of Huishang Bank was 2.23. The lowest was 1.28. And the median was 1.81.
HHSSF's Debt-to-Equity is ranked worse than 86.95% of 1418
companies
in the Banks industry
Industry Median: 0.57
vs HHSSF: 2.23
Huishang Bank (OTCPK:HHSSF) 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.
Huishang Bank Debt-to-Equity Related Terms
Huishang Bank Debt-to-Equity Historical Data
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The historical data trend for Huishang 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.
Huishang Bank Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Huishang 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.
Huishang Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Huishang Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Huishang 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.
Huishang Bank (HHSSF) has a Debt-to-Equity of 2.23 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Huishang Bank and its competitors. This is 23% above median its historical median of 1.81. Over the past decade, Huishang Bank's Debt-to-Equity has ranged from 1.28 to 2.23. According to the industry distribution chart, Huishang Bank ranks #1233 out of 1418 companies in the Banks industry, placing it in the top 87%.
Is Huishang Bank's Debt-to-Equity too high?
Huishang Bank's current Debt-to-Equity of 2.23 is 23% above median its 10-year median of 1.81. Over the past 10 years, this metric has ranged from a low of 1.28 to a high of 2.23. The Banks industry median Debt-to-Equity is 0.57. Huishang Bank's value of 2.23 is 291.2% above this industry median. Based on the distribution chart, Huishang Bank ranks #1233 out of 1418 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Huishang Bank has a GF Score™ of 54/100, reflecting its overall financial health beyond just this single metric.
How does Huishang Bank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Huishang Bank ranks #1233 out of 1418 companies for Debt-to-Equity. This places Huishang Bank in the lower half of its industry. The industry median Debt-to-Equity is 0.57. Huishang Bank's value of 2.23 is 291.2% above this benchmark. Historically, Huishang Bank's own Debt-to-Equity has ranged from 1.28 to 2.23 over the past decade. While the company's 10-year median is 1.81 vs. the industry median of 0.57, Huishang 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 0.57, 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. Huishang Bank's current Debt-to-Equity of 2.23 is 291.2% 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 Huishang Bank 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. Huishang Bank's current Debt-to-Equity is 2.23, which is 23% above median its own 10-year median of 1.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Huishang Bank stock overvalued right now?
Huishang Bank (HHSSF) has a current Debt-to-Equity of 2.23. The stock's GF Value™ is $0.25, compared to a current price of $0.42 — trading 66.6% above its estimated fair value. The current Debt-to-Equity is 2.23, which is 23% above median its 10-year median of 1.81 and 291.2% above the Banks industry median of 0.57. Huishang Bank's overall GF Score™ is 54/100 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 Huishang Bank (HHSSF), the current Debt-to-Equity is 2.23 as of Dec. 2025. 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 Huishang Bank (HHSSF) Overvalued in 2026?
Based on GuruFocus' analysis, Huishang Bank stock appears to be overvalued.
The current stock price of $0.42 is trading 66.6% above its estimated GF Value™ of $0.25.
Key valuation signals for HHSSF:
Debt-to-Equity: 2.23 (23% above median its 10-year median of 1.81)
GF Value™: $0.25 vs. price of $0.42 (66.6% above fair value)
Industry Position: 291.2% above the Banks median (#1233 of 1418)
No single metric tells the full story. See the HHSSF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Huishang Bank Corp Ltd is a regional commercial bank in China. The company operates through four main business segments: corporate banking, retail banking, treasury, and others. The corporate banking segment provides financial services to corporate customers, government authorities, and financial institutions, such as current accounts, deposits, overdrafts, loans, and wealth management products. The retail banking segment provides services to retail customers, such as savings deposits, personal loans, and advances. The treasury segment provides securities investment and money market and repurchase transactions. The other segment includes investment holding and other miscellaneous activities. The company operates in Mainland China and earns the majority of its revenue in the Anhui Province.
54GF Score
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