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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.
ISX:BVIC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.38 Med: 0.72 Max: 1.35
Current: 0.91
During the past 13 years, the highest Debt-to-Equity Ratio of PT Bank Victoria International Tbk was 1.35. The lowest was 0.38. And the median was 0.72.
ISX:BVIC's Debt-to-Equity is ranked worse than 63.72% of 1414
companies
in the Banks industry
Industry Median: 0.58
vs ISX:BVIC: 0.91
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 Victoria International Tbk Debt-to-Equity Related Terms
PT Bank Victoria International 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 Victoria International Tbk Debt-to-Equity Chart
PT Bank Victoria International Tbk Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, PT Bank Victoria International 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 Victoria International Tbk Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Victoria International Tbk's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where PT Bank Victoria International 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 Victoria International Tbk (ISX:BVIC) has a Debt-to-Equity of 0.91 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PT Bank Victoria International Tbk and its competitors. This is 26% above median its historical median of 0.72. Over the past decade, PT Bank Victoria International Tbk's Debt-to-Equity has ranged from 0.38 to 1.35. According to the industry distribution chart, PT Bank Victoria International Tbk ranks #901 out of 1414 companies in the Banks industry, placing it in the top 63.7%.
Is PT Bank Victoria International Tbk's Debt-to-Equity too high?
PT Bank Victoria International Tbk's current Debt-to-Equity of 0.91 is 26% above median its 10-year median of 0.72. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 1.35. The Banks industry median Debt-to-Equity is 0.58. PT Bank Victoria International Tbk's value of 0.91 is 56.9% above this industry median. Based on the distribution chart, PT Bank Victoria International Tbk ranks #901 out of 1414 companies in the Banks industry, which is below the industry midpoint. Overall, PT Bank Victoria International Tbk has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Victoria International Tbk's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, PT Bank Victoria International Tbk ranks #901 out of 1414 companies for Debt-to-Equity. This places PT Bank Victoria International Tbk in the lower half of its industry. The industry median Debt-to-Equity is 0.58. PT Bank Victoria International Tbk's value of 0.91 is 56.9% above this benchmark. Historically, PT Bank Victoria International Tbk's own Debt-to-Equity has ranged from 0.38 to 1.35 over the past decade. While the company's 10-year median is 0.72 vs. the industry median of 0.58, PT Bank Victoria International 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 1,414 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. PT Bank Victoria International Tbk's current Debt-to-Equity of 0.91 is 56.9% 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 Victoria International 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 Victoria International Tbk's current Debt-to-Equity is 0.91, which is 26% above median its own 10-year median of 0.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Victoria International Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Victoria International Tbk (ISX:BVIC) is currently considered Fairly Valued. The stock's GF Value™ is Rp99.99, compared to a current price of Rp95.00 — trading 5% below its estimated fair value. The current Debt-to-Equity is 0.91, which is 26% above median its 10-year median of 0.72 and 56.9% above the Banks industry median of 0.58. PT Bank Victoria International Tbk's overall GF Score™ is 53/100 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 Victoria International Tbk (ISX:BVIC), the current Debt-to-Equity is 0.91 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 Victoria International Tbk (ISX:BVIC) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Victoria International Tbk stock appears to be undervalued.
The current stock price of Rp95.00 is trading 5% below its estimated GF Value™ of Rp99.99.
GuruFocus considers PT Bank Victoria International Tbk to be Fairly Valued.
Key valuation signals for ISX:BVIC:
Debt-to-Equity: 0.91 (26% above median its 10-year median of 0.72)
GF Value™: Rp99.99 vs. price of Rp95.00 (5% below fair value)
Industry Position: 56.9% above the Banks median (#901 of 1414)
No single metric tells the full story. See the ISX:BVIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Victoria International Tbk is an Indonesian-based commercial banking firm. It provides general banking services like collecting deposits, granting loans and advances, clearing and collection services, RTGS, bill payment, investment products, and many others. The majority of the company's revenue is generated in the form of interest income. Geographically, it operates across different regions in Indonesia, such as Jadetabek, West Java, Central Java and East Java, and Non Java.
53GF Score
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