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PT Bank QNB Indonesia TbkISX:BKSW 51 Debt-to-Equity is 0.02 as of Mar. 2026, which is 85% below its 10-year median of 0.13. GuruFocus rates ISX:BKSW with a GF Score™ of 51/100 and a GF Value™ of Rp38.76 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,422 Banks companies, PT Bank QNB Indonesia Tbk ranks better than 97.75% 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 PT Bank QNB Indonesia Tbk's Debt-to-Equity or its related term are showing as below:
ISX:BKSW'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.02 Med: 0.13 Max: 0.45
Current: 0.02
During the past 13 years, the highest Debt-to-Equity Ratio of PT Bank QNB Indonesia Tbk was 0.45. The lowest was 0.02. And the median was 0.13.
ISX:BKSW's Debt-to-Equity is ranked better than 97.75% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs ISX:BKSW: 0.02
PT Bank QNB Indonesia Tbk (ISX:BKSW) 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.
PT Bank QNB Indonesia Tbk Debt-to-Equity Related Terms
PT Bank QNB Indonesia Tbk 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.
PT Bank QNB Indonesia Tbk Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, PT Bank QNB Indonesia 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 QNB Indonesia Tbk Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank QNB Indonesia Tbk's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where PT Bank QNB Indonesia 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 QNB Indonesia Tbk (ISX:BKSW) has a Debt-to-Equity of 0.02 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PT Bank QNB Indonesia Tbk and its competitors. This is 85% below median its historical median of 0.13. Over the past decade, PT Bank QNB Indonesia Tbk's Debt-to-Equity has ranged from 0.02 to 0.45. According to the industry distribution chart, PT Bank QNB Indonesia Tbk ranks #32 out of 1422 companies in the Banks industry, placing it in the top 2.3%.
Is PT Bank QNB Indonesia Tbk's Debt-to-Equity too high?
PT Bank QNB Indonesia Tbk's current Debt-to-Equity of 0.02 is 85% below median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.45. The Banks industry median Debt-to-Equity is 0.57. PT Bank QNB Indonesia Tbk's value of 0.02 is 96.5% below this industry median. Based on the distribution chart, PT Bank QNB Indonesia Tbk ranks #32 out of 1422 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank QNB Indonesia Tbk has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank QNB Indonesia Tbk's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, PT Bank QNB Indonesia Tbk ranks #32 out of 1422 companies for Debt-to-Equity. This places PT Bank QNB Indonesia Tbk in the top 2% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.57. PT Bank QNB Indonesia Tbk's value of 0.02 is 96.5% below this benchmark. Historically, PT Bank QNB Indonesia Tbk's own Debt-to-Equity has ranged from 0.02 to 0.45 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.57, PT Bank QNB Indonesia Tbk has consistently been below 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 1,422 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 QNB Indonesia Tbk's current Debt-to-Equity of 0.02 is 96.5% below 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 QNB Indonesia Tbk 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. PT Bank QNB Indonesia Tbk's current Debt-to-Equity is 0.02, which is 85% below median its own 10-year median of 0.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank QNB Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank QNB Indonesia Tbk (ISX:BKSW) is currently considered Significantly Overvalued. The stock's GF Value™ is Rp38.76, compared to a current price of Rp53.00 — trading 36.7% above its estimated fair value. The current Debt-to-Equity is 0.02, which is 85% below median its 10-year median of 0.13 and 96.5% below the Banks industry median of 0.57. PT Bank QNB Indonesia Tbk's overall GF Score™ is 51/100 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 PT Bank QNB Indonesia Tbk (ISX:BKSW), the current Debt-to-Equity is 0.02 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 PT Bank QNB Indonesia Tbk (ISX:BKSW) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank QNB Indonesia Tbk stock appears to be overvalued.
The current stock price of Rp53.00 is trading 36.7% above its estimated GF Value™ of Rp38.76.
GuruFocus considers PT Bank QNB Indonesia Tbk to be Significantly Overvalued.
Key valuation signals for ISX:BKSW:
Debt-to-Equity: 0.02 (85% below median its 10-year median of 0.13)
GF Value™: Rp38.76 vs. price of Rp53.00 (36.7% above fair value)
Industry Position: 96.5% below the Banks median (#32 of 1422)
No single metric tells the full story. See the ISX:BKSW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank QNB Indonesia Tbk is a financial institution engaged in providing personal banking and wholesale banking services, including savings accounts, deposits, demand deposits, term deposits, current accounts, and cash management. It also offers loans and advances, overdrafts, credit facilities, borrowings, and other credit facilities. In addition, it offers services of debit and credit cards, safe deposit boxes, export-import services, fund transfer, and related services. The group operates its business in the lines of Credit, Treasury, and Trade Finance. The majority of the company's revenue comprises interest and dividend income, fees, and commission received from domestic business. The company has divided its operations into several regions: Jakarta, Sumatra, Java, & the East Region.
51GF Score
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