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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 Bac A Commercial Joint Stock Bank's Debt-to-Equity or its related term are showing as below:
HSTC:BAB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.57 Med: 0.83 Max: 2.08
Current: 1.85
During the past 6 years, the highest Debt-to-Equity Ratio of Bac A Commercial Joint Stock Bank was 2.08. The lowest was 0.57. And the median was 0.83.
HSTC:BAB's Debt-to-Equity is ranked worse than 83.39% of 1421
companies
in the Banks industry
Industry Median: 0.57
vs HSTC:BAB: 1.85
Bac A Commercial Joint Stock Bank (HSTC:BAB) 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.
Bac A Commercial Joint Stock Bank Debt-to-Equity Related Terms
Bac A Commercial Joint Stock Bank 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.
Bac A Commercial Joint Stock Bank Debt-to-Equity Chart
Bac A Commercial Joint Stock Bank Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Bac A Commercial Joint Stock 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.
Bac A Commercial Joint Stock Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bac A Commercial Joint Stock Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Bac A Commercial Joint Stock 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.
Bac A Commercial Joint Stock Bank (HSTC:BAB) has a Debt-to-Equity of 1.85 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Bac A Commercial Joint Stock Bank and its competitors. This is 123% above median its historical median of 0.83. Over the past decade, Bac A Commercial Joint Stock Bank's Debt-to-Equity has ranged from 0.57 to 2.08. According to the industry distribution chart, Bac A Commercial Joint Stock Bank ranks #1185 out of 1421 companies in the Banks industry, placing it in the top 83.4%.
Is Bac A Commercial Joint Stock Bank's Debt-to-Equity too high?
Bac A Commercial Joint Stock Bank's current Debt-to-Equity of 1.85 is 123% above median its 10-year median of 0.83. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 2.08. The Banks industry median Debt-to-Equity is 0.57. Bac A Commercial Joint Stock Bank's value of 1.85 is 224.6% above this industry median. Based on the distribution chart, Bac A Commercial Joint Stock Bank ranks #1185 out of 1421 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bac A Commercial Joint Stock Bank has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bac A Commercial Joint Stock Bank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Bac A Commercial Joint Stock Bank ranks #1185 out of 1421 companies for Debt-to-Equity. This places Bac A Commercial Joint Stock Bank in the lower half of its industry. The industry median Debt-to-Equity is 0.57. Bac A Commercial Joint Stock Bank's value of 1.85 is 224.6% above this benchmark. Historically, Bac A Commercial Joint Stock Bank's own Debt-to-Equity has ranged from 0.57 to 2.08 over the past decade. While the company's 10-year median is 0.83 vs. the industry median of 0.57, Bac A Commercial Joint Stock 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 1,421 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. Bac A Commercial Joint Stock Bank's current Debt-to-Equity of 1.85 is 224.6% 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 Bac A Commercial Joint Stock 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. Bac A Commercial Joint Stock Bank's current Debt-to-Equity is 1.85, which is 123% above median its own 10-year median of 0.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bac A Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Bac A Commercial Joint Stock Bank (HSTC:BAB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫11,799.32, compared to a current price of ₫10,300.00 — trading 12.7% below its estimated fair value. The current Debt-to-Equity is 1.85, which is 123% above median its 10-year median of 0.83 and 224.6% above the Banks industry median of 0.57. Bac A Commercial Joint Stock Bank's overall GF Score™ is 74/100 with 2 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 Bac A Commercial Joint Stock Bank (HSTC:BAB), the current Debt-to-Equity is 1.85 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 Bac A Commercial Joint Stock Bank (HSTC:BAB) Overvalued in 2026?
Based on GuruFocus' analysis, Bac A Commercial Joint Stock Bank stock appears to be undervalued.
The current stock price of ₫10,300.00 is trading 12.7% below its estimated GF Value™ of ₫11,799.32.
GuruFocus considers Bac A Commercial Joint Stock Bank to be Modestly Undervalued.
Key valuation signals for HSTC:BAB:
Debt-to-Equity: 1.85 (123% above median its 10-year median of 0.83)
GF Value™: ₫11,799.32 vs. price of ₫10,300.00 (12.7% below fair value)
Industry Position: 224.6% above the Banks median (#1185 of 1421)
No single metric tells the full story. See the HSTC:BAB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bac A Commercial Joint Stock Bank Business Description
Bac A Commercial Joint Stock Bank provides banking services like commercial banking products and services-including deposits, loans, and, international payments-to individual and institutional clients, with a specialized focus on investing in high-tech agriculture, health, and education sectors. The company's services include Guarantee service; Payment deposit; Trade finance; Insurance; Overseas and domestic fast money transfers and others.
74GF Score
Get the complete analysis for HSTC:BAB
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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