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Shawbrook GroupLSE:SHAA 38 Debt-to-Equity is 0.18 as of Jun. 2026, which is 45% below its 10-year median of 0.33. GuruFocus rates LSE:SHAA with a GF Score™ of 38/100. The stock has 1 warning sign investors should review. Among 1,419 Banks companies, Shawbrook Group ranks better than 79.49% 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 Shawbrook Group's Debt-to-Equity or its related term are showing as below:
LSE:SHAA'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.12 Med: 0.33 Max: 0.49
Current: 0.18
During the past 9 years, the highest Debt-to-Equity Ratio of Shawbrook Group was 0.49. The lowest was 0.12. And the median was 0.33.
LSE:SHAA's Debt-to-Equity is ranked better than 79.49% of 1419
companies
in the Banks industry
Industry Median: 0.58
vs LSE:SHAA: 0.18
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.
Shawbrook Group Debt-to-Equity Related Terms
Shawbrook Group Debt-to-Equity Historical Data
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The historical data trend for Shawbrook 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.
Shawbrook Group Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Shawbrook 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.
Shawbrook Group Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Shawbrook Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Shawbrook 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.
Shawbrook Group (LSE:SHAA) has a Debt-to-Equity of 0.18 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Shawbrook Group and its competitors. This is 45% below median its historical median of 0.33. Over the past decade, Shawbrook Group's Debt-to-Equity has ranged from 0.12 to 0.49. According to the industry distribution chart, Shawbrook Group ranks #291 out of 1419 companies in the Banks industry, placing it in the top 20.5%.
Is Shawbrook Group's Debt-to-Equity too high?
Shawbrook Group's current Debt-to-Equity of 0.18 is 45% below median its 10-year median of 0.33. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.49. The Banks industry median Debt-to-Equity is 0.58. Shawbrook Group's value of 0.18 is 69% below this industry median. Based on the distribution chart, Shawbrook Group ranks #291 out of 1419 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Shawbrook Group has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does Shawbrook Group's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Shawbrook Group ranks #291 out of 1419 companies for Debt-to-Equity. This places Shawbrook Group in the top 21% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Shawbrook Group's value of 0.18 is 69% below this benchmark. Historically, Shawbrook Group's own Debt-to-Equity has ranged from 0.12 to 0.49 over the past decade. While the company's 10-year median is 0.33 vs. the industry median of 0.58, Shawbrook Group 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 1,419 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. Shawbrook Group's current Debt-to-Equity of 0.18 is 69% 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 Shawbrook 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. Shawbrook Group's current Debt-to-Equity is 0.18, which is 45% below median its own 10-year median of 0.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shawbrook Group stock overvalued right now?
Shawbrook Group (LSE:SHAA) has a current Debt-to-Equity of 0.18. The current Debt-to-Equity is 0.18, which is 45% below median its 10-year median of 0.33 and 69% below the Banks industry median of 0.58. Shawbrook Group's overall GF Score™ is 38/100 with 1 warning sign 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 Shawbrook Group (LSE:SHAA), the current Debt-to-Equity is 0.18 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.
Shawbrook Group PLC is a specialist savings and lending bank operating in the United Kingdom. It focuses mostly on poorly served customer segments across the small to medium-size enterprise and retail market of the island nation. Shawbrook's primary markets include property, business, and consumer finance. The company has grown since its founding through mostly acquisitions. Net operating income mostly derives from asset finance, commercial mortgages, and secured lending. Shawbrook emphasizes customer service, and reputation. The company operates in four segments Real Estate, SME, Consumer Finance and Retail Mortgage Brands.
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