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Finbond GroupJSE:FGL 28 Debt-to-Equity is 6.70 as of Feb. 2026, which is 168% above its 10-year median of 2.50. GuruFocus rates JSE:FGL with a GF Score™ of 28/100 and a GF Value™ of R0.94 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,421 Banks companies, Finbond Group ranks worse than 97.89% 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 Finbond Group's Debt-to-Equity or its related term are showing as below:
JSE:FGL'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.45 Med: 2.5 Max: 6.7
Current: 6.7
During the past 13 years, the highest Debt-to-Equity Ratio of Finbond Group was 6.70. The lowest was 0.45. And the median was 2.50.
JSE:FGL's Debt-to-Equity is ranked worse than 97.89% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs JSE:FGL: 6.70
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.
Finbond Group Debt-to-Equity Related Terms
Finbond Group Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Finbond Group'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.
JSE:FGL vs RKT, FNMA, PFSI: Debt-to-Equity Comparison
For the Mortgage Finance subindustry, Finbond Group'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.
Finbond Group Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Finbond Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Finbond Group'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.
Finbond Group (JSE:FGL) has a Debt-to-Equity of 6.70 as of Feb. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Finbond Group and its competitors. This is 168% above median its historical median of 2.50. Over the past decade, Finbond Group's Debt-to-Equity has ranged from 0.45 to 6.70. According to the industry distribution chart, Finbond Group ranks #1391 out of 1421 companies in the Banks industry, placing it in the top 97.9%.
Is Finbond Group's Debt-to-Equity too high?
Finbond Group's current Debt-to-Equity of 6.70 is 168% above median its 10-year median of 2.50. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 6.70. The Banks industry median Debt-to-Equity is 0.58. Finbond Group's value of 6.70 is 1055.2% above this industry median. Based on the distribution chart, Finbond Group ranks #1391 out of 1421 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Finbond Group has a GF Score™ of 28/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Finbond Group's Debt-to-Equity compare to RKT and FNMA?
According to the Banks industry distribution chart, Finbond Group ranks #1391 out of 1421 companies for Debt-to-Equity. This places Finbond Group in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Finbond Group's value of 6.70 is 1055.2% above this benchmark. Historically, Finbond Group's own Debt-to-Equity has ranged from 0.45 to 6.70 over the past decade. While the company's 10-year median is 2.50 vs. the industry median of 0.58, Finbond Group 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 1,421 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. Finbond Group's current Debt-to-Equity of 6.70 is 1055.2% 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 Finbond Group 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. Finbond Group's current Debt-to-Equity is 6.70, which is 168% above median its own 10-year median of 2.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finbond Group stock overvalued right now?
Based on GuruFocus' analysis, Finbond Group (JSE:FGL) is currently considered Fairly Valued. The stock's GF Value™ is R0.94, compared to a current price of R0.89 — trading 5.3% below its estimated fair value. The current Debt-to-Equity is 6.70, which is 168% above median its 10-year median of 2.50 and 1055.2% above the Banks industry median of 0.58. Finbond Group's overall GF Score™ is 28/100 with 7 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 Finbond Group (JSE:FGL), the current Debt-to-Equity is 6.70 as of Feb. 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 Finbond Group (JSE:FGL) Overvalued in 2026?
Based on GuruFocus' analysis, Finbond Group stock appears to be undervalued.
The current stock price of R0.89 is trading 5.3% below its estimated GF Value™ of R0.94.
GuruFocus considers Finbond Group to be Fairly Valued.
Key valuation signals for JSE:FGL:
Debt-to-Equity: 6.70 (168% above median its 10-year median of 2.50)
GF Value™: R0.94 vs. price of R0.89 (5.3% below fair value)
Industry Position: 1055.2% above the Banks median (#1391 of 1421)
No single metric tells the full story. See the JSE:FGL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Finbond Group Ltd is a financial services institution that is engaged in the design and delivery of value and solution-based savings, credit, and insurance solutions tailored to depositor and borrower requirements. The company's business segments are Deposit and Debt Finance Products, Lending, Property investment, and Transactional banking, and Others. It derives key revenue from the Lending segment. Company opertes in USA, South Africa, and Canada, with majority of revenue from USA.
28GF Score
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