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Scotiabank PeruALIM:SCOTIAC1 28 Debt-to-Equity is 0.50 as of Dec. 2025, which is 60% below its 10-year median of 1.24. GuruFocus rates LIM:SCOTIAC1 with a GF Score™ of 28/100 and a GF Value™ of S/.11.49 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,417 Banks companies, Scotiabank PeruA ranks better than 55.26% 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 Scotiabank PeruA's Debt-to-Equity or its related term are showing as below:
LIM:SCOTIAC1'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.5 Med: 1.24 Max: 1.33
Current: 0.5
During the past 13 years, the highest Debt-to-Equity Ratio of Scotiabank PeruA was 1.33. The lowest was 0.50. And the median was 1.24.
LIM:SCOTIAC1's Debt-to-Equity is ranked better than 55.26% of 1417
companies
in the Banks industry
Industry Median: 0.58
vs LIM:SCOTIAC1: 0.50
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.
Scotiabank PeruA Debt-to-Equity Related Terms
Scotiabank PeruA Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Scotiabank PeruA'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.
LIM:SCOTIAC1 vs PNC, USB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Scotiabank PeruA'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.
Scotiabank PeruA Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Scotiabank PeruA's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Scotiabank PeruA'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.
Scotiabank PeruA (LIM:SCOTIAC1) has a Debt-to-Equity of 0.50 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Scotiabank PeruA and its competitors. This is 60% below median its historical median of 1.24. Over the past decade, Scotiabank PeruA's Debt-to-Equity has ranged from 0.50 to 1.33. According to the industry distribution chart, Scotiabank PeruA ranks #634 out of 1417 companies in the Banks industry, placing it in the top 44.7%.
Is Scotiabank PeruA's Debt-to-Equity too high?
Scotiabank PeruA's current Debt-to-Equity of 0.50 is 60% below median its 10-year median of 1.24. Over the past 10 years, this metric has ranged from a low of 0.50 to a high of 1.33. The Banks industry median Debt-to-Equity is 0.58. Scotiabank PeruA's value of 0.50 is 13.8% below this industry median. Based on the distribution chart, Scotiabank PeruA ranks #634 out of 1417 companies in the Banks industry, which is above the industry midpoint. Overall, Scotiabank PeruA has a GF Score™ of 28/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Scotiabank PeruA's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Scotiabank PeruA ranks #634 out of 1417 companies for Debt-to-Equity. This puts Scotiabank PeruA in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Scotiabank PeruA's value of 0.50 is 13.8% below this benchmark. Historically, Scotiabank PeruA's own Debt-to-Equity has ranged from 0.50 to 1.33 over the past decade. While the company's 10-year median is 1.24 vs. the industry median of 0.58, Scotiabank PeruA 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 0.58, based on 1,417 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. Scotiabank PeruA's current Debt-to-Equity of 0.50 is 13.8% 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 Scotiabank PeruA 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. Scotiabank PeruA's current Debt-to-Equity is 0.50, which is 60% below median its own 10-year median of 1.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Scotiabank PeruA stock overvalued right now?
Based on GuruFocus' analysis, Scotiabank PeruA (LIM:SCOTIAC1) is currently considered Significantly Overvalued. The stock's GF Value™ is S/.11.49, compared to a current price of S/.20.00 — trading 74.1% above its estimated fair value. The current Debt-to-Equity is 0.50, which is 60% below median its 10-year median of 1.24 and 13.8% below the Banks industry median of 0.58. Scotiabank PeruA's overall GF Score™ is 28/100 with 5 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 Scotiabank PeruA (LIM:SCOTIAC1), the current Debt-to-Equity is 0.50 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 Scotiabank PeruA (LIM:SCOTIAC1) Overvalued in 2026?
Based on GuruFocus' analysis, Scotiabank PeruA stock appears to be overvalued.
The current stock price of S/.20.00 is trading 74.1% above its estimated GF Value™ of S/.11.49.
GuruFocus considers Scotiabank PeruA to be Significantly Overvalued.
Key valuation signals for LIM:SCOTIAC1:
Debt-to-Equity: 0.50 (60% below median its 10-year median of 1.24)
GF Value™: S/.11.49 vs. price of S/.20.00 (74.1% above fair value)
Industry Position: 13.8% below the Banks median (#634 of 1417)
No single metric tells the full story. See the LIM:SCOTIAC1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Scotiabank Peru SAA is a commercial bank and a subsidiary of the Bank of Nova Scotia (Scotiabank Group), operating in Peru. It serves individual, SME, corporate, and retail clients, offering products such as savings and current accounts, credit and debit cards, personal and vehicle loans, mortgage loans, and various insurance services. The bank also provides corporate banking, trade finance, leasing, e-banking, and foreign exchange services. Scotiabank Peru operates nationwide through branches and ATMs, with its headquarters in Lima. It focuses on retail, commercial, and corporate banking sectors in the Peruvian market.
28GF Score
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