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APS BankMAL:APS 18 Debt-to-Equity is 0.30 as of Jun. 2026, which is at its 10-year median of 0.30. GuruFocus rates MAL:APS with a GF Score™ of 18/100 and a GF Value™ of €0.61 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,421 Banks companies, APS Bank ranks better than 68.33% 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 APS Bank's Debt-to-Equity or its related term are showing as below:
MAL:APS'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.23 Med: 0.3 Max: 0.4
Current: 0.3
During the past 5 years, the highest Debt-to-Equity Ratio of APS Bank was 0.40. The lowest was 0.23. And the median was 0.30.
MAL:APS's Debt-to-Equity is ranked better than 68.33% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs MAL:APS: 0.30
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.
APS Bank Debt-to-Equity Related Terms
APS Bank Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for APS Bank'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.
For the Banks - Regional subindustry, APS Bank'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.
APS Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, APS Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where APS Bank'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.
APS Bank (MAL:APS) has a Debt-to-Equity of 0.30 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on APS Bank and its competitors. This is near median its historical median of 0.30. Over the past decade, APS Bank's Debt-to-Equity has ranged from 0.23 to 0.40. According to the industry distribution chart, APS Bank ranks #450 out of 1421 companies in the Banks industry, placing it in the top 31.7%.
Is APS Bank's Debt-to-Equity too high?
APS Bank's current Debt-to-Equity of 0.30 is near median its 10-year median of 0.30. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 0.40. The Banks industry median Debt-to-Equity is 0.58. APS Bank's value of 0.30 is 48.3% below this industry median. Based on the distribution chart, APS Bank ranks #450 out of 1421 companies in the Banks industry, which is above the industry midpoint. Overall, APS Bank has a GF Score™ of 18/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does APS Bank's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, APS Bank ranks #450 out of 1421 companies for Debt-to-Equity. This puts APS Bank in the upper half of its industry. The industry median Debt-to-Equity is 0.58. APS Bank's value of 0.30 is 48.3% below this benchmark. Historically, APS Bank's own Debt-to-Equity has ranged from 0.23 to 0.40 over the past decade. While the company's 10-year median is 0.30 vs. the industry median of 0.58, APS Bank 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 1,421 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. APS Bank's current Debt-to-Equity of 0.30 is 48.3% 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 APS Bank 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. APS Bank's current Debt-to-Equity is 0.30, which is near median its own 10-year median of 0.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is APS Bank stock overvalued right now?
Based on GuruFocus' analysis, APS Bank (MAL:APS) is currently considered Fairly Valued. The stock's GF Value™ is €0.61, compared to a current price of €0.59 — trading 3.3% below its estimated fair value. The current Debt-to-Equity is 0.30, which is near median its 10-year median of 0.30 and 48.3% below the Banks industry median of 0.58. APS Bank's overall GF Score™ is 18/100 with 6 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 APS Bank (MAL:APS), the current Debt-to-Equity is 0.30 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 APS Bank (MAL:APS) Overvalued in 2026?
Based on GuruFocus' analysis, APS Bank stock appears to be undervalued.
The current stock price of €0.59 is trading 3.3% below its estimated GF Value™ of €0.61.
GuruFocus considers APS Bank to be Fairly Valued.
Key valuation signals for MAL:APS:
Debt-to-Equity: 0.30 (near median its 10-year median of 0.30)
GF Value™: €0.61 vs. price of €0.59 (3.3% below fair value)
Industry Position: 48.3% below the Banks median (#450 of 1421)
No single metric tells the full story. See the MAL:APS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
APS Bank Ltd offers various personal banking and other financial products and services, including savings accounts, insurance and investment products, home loans, and personal loans, among others. It also caters to the banking needs of corporate customers. The company, along with its subsidiaries, operates in four reportable segments: Retail, Commercial, Investment Services, and Liquidity Management and Structured Loans. Maximum revenue is generated from the Retail segment, which offers various products and services to meet the personal banking needs of individual customers. This includes home loans, personal loans, overdraft facilities, deposit products, and other general banking activities.
18GF Score
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