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Standard Bank MalawiMSW:STANDARD 77 Debt-to-Equity is 0.01 as of Dec. 2025, which is at its 10-year median of 0.01. GuruFocus rates MSW:STANDARD with a GF Score™ of 77/100 and a GF Value™ of MWK1,938.57 (Significantly Overvalued). Among 1,423 Banks companies, Standard Bank Malawi ranks better than 99.93% 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 Standard Bank Malawi's Debt-to-Equity or its related term are showing as below:
MSW:STANDARD'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0 Med: 0.01 Max: 0.01
Current: 0.01
During the past 8 years, the highest Debt-to-Equity Ratio of Standard Bank Malawi was 0.01. The lowest was 0.00. And the median was 0.01.
MSW:STANDARD's Debt-to-Equity is ranked better than 99.93% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs MSW:STANDARD: 0.01
Standard Bank Malawi (MSW:STANDARD) Debt-to-Equity Explanation
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.
Standard Bank Malawi Debt-to-Equity Related Terms
Standard Bank Malawi Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Standard Bank Malawi'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.
MSW:STANDARD vs PNC, USB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Standard Bank Malawi'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.
Standard Bank Malawi Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Standard Bank Malawi's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Standard Bank Malawi'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.
Standard Bank Malawi (MSW:STANDARD) has a Debt-to-Equity of 0.01 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Standard Bank Malawi and its competitors. This is near median its historical median of 0.01. According to the industry distribution chart, Standard Bank Malawi ranks #1 out of 1423 companies in the Banks industry, placing it in the top 0.099999999999994%.
Is Standard Bank Malawi's Debt-to-Equity too high?
Standard Bank Malawi's current Debt-to-Equity of 0.01 is near median its 10-year median of 0.01. The Banks industry median Debt-to-Equity is 0.56. Standard Bank Malawi's value of 0.01 is 98.2% below this industry median. Based on the distribution chart, Standard Bank Malawi ranks #1 out of 1423 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Standard Bank Malawi has a GF Score™ of 77/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Bank Malawi's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Standard Bank Malawi ranks #1 out of 1423 companies for Debt-to-Equity. This places Standard Bank Malawi in the top 0% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.56. Standard Bank Malawi's value of 0.01 is 98.2% below this benchmark. While the company's 10-year median is 0.01 vs. the industry median of 0.56, Standard Bank Malawi 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 0.56, based on 1,423 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. Standard Bank Malawi's current Debt-to-Equity of 0.01 is 98.2% 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 Standard Bank Malawi and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Bank Malawi's current Debt-to-Equity is 0.01, which is near median its own 10-year median of 0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Bank Malawi stock overvalued right now?
Based on GuruFocus' analysis, Standard Bank Malawi (MSW:STANDARD) is currently considered Significantly Overvalued. The stock's GF Value™ is MWK1,938.57, compared to a current price of MWK3,999.14 — trading 106.3% above its estimated fair value. The current Debt-to-Equity is 0.01, which is near median its 10-year median of 0.01 and 98.2% below the Banks industry median of 0.56. Standard Bank Malawi's overall GF Score™ is 77/100. 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 Standard Bank Malawi (MSW:STANDARD), the current Debt-to-Equity is 0.01 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 Standard Bank Malawi (MSW:STANDARD) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Bank Malawi stock appears to be overvalued.
The current stock price of MWK3,999.14 is trading 106.3% above its estimated GF Value™ of MWK1,938.57.
GuruFocus considers Standard Bank Malawi to be Significantly Overvalued.
Key valuation signals for MSW:STANDARD:
Debt-to-Equity: 0.01 (near median its 10-year median of 0.01)
GF Value™: MWK1,938.57 vs. price of MWK3,999.14 (106.3% above fair value)
Industry Position: 98.2% below the Banks median (#1 of 1423)
No single metric tells the full story. See the MSW:STANDARD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Standard Bank Malawi PLC provides banking services. Its business operations are divided into three segments Corporate and Investment Banking, Personal and Private Banking, Business and Commercial Banking, and Treasury and Capital Management. Services offered by the company include current accounts, savings, deposits, investment savings products, custody, debit cards, consumer loans, mortgages, internet banking, telephone banking, foreign exchange, commodities, debt securities, and equities trading, among others. Its branches are located across Malawi. The Bank offers its services to individual customers and small to medium-sized enterprises.
77GF Score
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