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HSBC Bank MaltaMAL:HSB +1.42%53 Debt-to-Equity is 0.35 as of Dec. 2025, which is 35% above its 10-year median of 0.26. GuruFocus rates MAL:HSB with a GF Score™ of 53/100 and a GF Value™ of €1.33 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,421 Banks companies, HSBC Bank Malta ranks better than 64.6% 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 HSBC Bank Malta's Debt-to-Equity or its related term are showing as below:
MAL:HSB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.12 Med: 0.26 Max: 0.35
Current: 0.35
During the past 13 years, the highest Debt-to-Equity Ratio of HSBC Bank Malta was 0.35. The lowest was 0.12. And the median was 0.26.
MAL:HSB's Debt-to-Equity is ranked better than 64.6% of 1421
companies
in the Banks industry
Industry Median: 0.57
vs MAL:HSB: 0.35
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.
HSBC Bank Malta Debt-to-Equity Related Terms
HSBC Bank Malta Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for HSBC Bank Malta'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, HSBC Bank Malta'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.
HSBC Bank Malta Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, HSBC Bank Malta's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where HSBC Bank Malta'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.
HSBC Bank Malta (MAL:HSB) has a Debt-to-Equity of 0.35 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on HSBC Bank Malta and its competitors. This is 35% above median its historical median of 0.26. Over the past decade, HSBC Bank Malta's Debt-to-Equity has ranged from 0.12 to 0.35. According to the industry distribution chart, HSBC Bank Malta ranks #503 out of 1421 companies in the Banks industry, placing it in the top 35.4%.
Is HSBC Bank Malta's Debt-to-Equity too high?
HSBC Bank Malta's current Debt-to-Equity of 0.35 is 35% above median its 10-year median of 0.26. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.35. The Banks industry median Debt-to-Equity is 0.57. HSBC Bank Malta's value of 0.35 is 38.6% below this industry median. Based on the distribution chart, HSBC Bank Malta ranks #503 out of 1421 companies in the Banks industry, which is above the industry midpoint. Overall, HSBC Bank Malta has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does HSBC Bank Malta's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, HSBC Bank Malta ranks #503 out of 1421 companies for Debt-to-Equity. This puts HSBC Bank Malta in the upper half of its industry. The industry median Debt-to-Equity is 0.57. HSBC Bank Malta's value of 0.35 is 38.6% below this benchmark. Historically, HSBC Bank Malta's own Debt-to-Equity has ranged from 0.12 to 0.35 over the past decade. While the company's 10-year median is 0.26 vs. the industry median of 0.57, HSBC Bank Malta 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 0.57, 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. HSBC Bank Malta's current Debt-to-Equity of 0.35 is 38.6% 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 HSBC Bank Malta and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HSBC Bank Malta's current Debt-to-Equity is 0.35, which is 35% above median its own 10-year median of 0.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HSBC Bank Malta stock overvalued right now?
Based on GuruFocus' analysis, HSBC Bank Malta (MAL:HSB) is currently considered Fairly Valued. The stock's GF Value™ is €1.33, compared to a current price of €1.43 — trading 7.5% above its estimated fair value. The current Debt-to-Equity is 0.35, which is 35% above median its 10-year median of 0.26 and 38.6% below the Banks industry median of 0.57. HSBC Bank Malta's overall GF Score™ is 53/100 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 HSBC Bank Malta (MAL:HSB), the current Debt-to-Equity is 0.35 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 HSBC Bank Malta (MAL:HSB) Overvalued in 2026?
Based on GuruFocus' analysis, HSBC Bank Malta stock appears to be overvalued.
The current stock price of €1.43 is trading 7.5% above its estimated GF Value™ of €1.33.
GuruFocus considers HSBC Bank Malta to be Fairly Valued.
Key valuation signals for MAL:HSB:
Debt-to-Equity: 0.35 (35% above median its 10-year median of 0.26)
GF Value™: €1.33 vs. price of €1.43 (7.5% above fair value)
Industry Position: 38.6% below the Banks median (#503 of 1421)
No single metric tells the full story. See the MAL:HSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HSBC Bank Malta PLC is a member of the HSBC Group. The Bank provides a comprehensive range of financial services designed to meet the expanding requirements of its large client base of personal and corporate customers. The company's operating segments include Wealth and Personal Banking, Commercial Banking, and Global Markets. It derives maximum revenue from the Wealth and Personal Banking segment, which caters to individual customers, offering personal banking products (current and savings accounts, mortgages and personal loans, credit cards, debit cards, etc.) and wealth management services (insurance and investment products, asset management services, and financial planning services).
53GF Score
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