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Capricorn GroupNAM:CGP 64 Debt-to-Equity is 0.53 as of Dec. 2025, which is 44% below its 10-year median of 0.94. GuruFocus rates NAM:CGP with a GF Score™ of 64/100 and a GF Value™ of R24.23 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,418 Banks companies, Capricorn Group ranks better than 52.68% 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 Capricorn Group's Debt-to-Equity or its related term are showing as below:
NAM:CGP'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.49 Med: 0.94 Max: 1.15
Current: 0.53
During the past 13 years, the highest Debt-to-Equity Ratio of Capricorn Group was 1.15. The lowest was 0.49. And the median was 0.94.
NAM:CGP's Debt-to-Equity is ranked better than 52.68% of 1418
companies
in the Banks industry
Industry Median: 0.57
vs NAM:CGP: 0.53
Capricorn Group (NAM:CGP) 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.
Capricorn Group Debt-to-Equity Related Terms
Capricorn Group Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Capricorn 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.
For the Banks - Regional subindustry, Capricorn 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.
Capricorn Group Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Capricorn Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Capricorn 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.
Capricorn Group (NAM:CGP) has a Debt-to-Equity of 0.53 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Capricorn Group and its competitors. This is 44% below median its historical median of 0.94. Over the past decade, Capricorn Group's Debt-to-Equity has ranged from 0.49 to 1.15. According to the industry distribution chart, Capricorn Group ranks #671 out of 1418 companies in the Banks industry, placing it in the top 47.3%.
Is Capricorn Group's Debt-to-Equity too high?
Capricorn Group's current Debt-to-Equity of 0.53 is 44% below median its 10-year median of 0.94. Over the past 10 years, this metric has ranged from a low of 0.49 to a high of 1.15. The Banks industry median Debt-to-Equity is 0.57. Capricorn Group's value of 0.53 is 7% below this industry median. Based on the distribution chart, Capricorn Group ranks #671 out of 1418 companies in the Banks industry, which is above the industry midpoint. Overall, Capricorn Group has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capricorn Group's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Capricorn Group ranks #671 out of 1418 companies for Debt-to-Equity. This puts Capricorn Group in the upper half of its industry. The industry median Debt-to-Equity is 0.57. Capricorn Group's value of 0.53 is 7% below this benchmark. Historically, Capricorn Group's own Debt-to-Equity has ranged from 0.49 to 1.15 over the past decade. While the company's 10-year median is 0.94 vs. the industry median of 0.57, Capricorn 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 0.57, based on 1,418 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. Capricorn Group's current Debt-to-Equity of 0.53 is 7% 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 Capricorn Group 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. Capricorn Group's current Debt-to-Equity is 0.53, which is 44% below median its own 10-year median of 0.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capricorn Group stock overvalued right now?
Based on GuruFocus' analysis, Capricorn Group (NAM:CGP) is currently considered Modestly Overvalued. The stock's GF Value™ is R24.23, compared to a current price of R28.37 — trading 17.1% above its estimated fair value. The current Debt-to-Equity is 0.53, which is 44% below median its 10-year median of 0.94 and 7% below the Banks industry median of 0.57. Capricorn Group's overall GF Score™ is 64/100 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 Capricorn Group (NAM:CGP), the current Debt-to-Equity is 0.53 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 Capricorn Group (NAM:CGP) Overvalued in 2026?
Based on GuruFocus' analysis, Capricorn Group stock appears to be overvalued.
The current stock price of R28.37 is trading 17.1% above its estimated GF Value™ of R24.23.
GuruFocus considers Capricorn Group to be Modestly Overvalued.
Key valuation signals for NAM:CGP:
Debt-to-Equity: 0.53 (44% below median its 10-year median of 0.94)
GF Value™: R24.23 vs. price of R28.37 (17.1% above fair value)
Industry Position: 7% below the Banks median (#671 of 1418)
No single metric tells the full story. See the NAM:CGP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Capricorn Group Ltd is a Namibia-based financial services group. It operates as an investment holding company with interests in banking, insurance, asset management, and microlending. The banking operation is the company's two operating segments, which include banking activities in Namibia and Botswana, as well as term lending and related activities in Namibia. Other components include property development, asset management, and unit trust management. The majority of the company's revenue comes from its banking operations in Namibia.
64GF Score
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