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Fidelity BankNSA:FBP 69 Debt-to-Equity is 0.73 as of Mar. 2026, which is 62% below its 10-year median of 1.94. GuruFocus rates NSA:FBP with a GF Score™ of 69/100 and a GF Value™ of ₦14.39 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,421 Banks companies, Fidelity Bank ranks worse than 58.13% 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 Fidelity Bank's Debt-to-Equity or its related term are showing as below:
NSA:FBP'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.73 Med: 1.94 Max: 2.83
Current: 0.73
During the past 13 years, the highest Debt-to-Equity Ratio of Fidelity Bank was 2.83. The lowest was 0.73. And the median was 1.94.
NSA:FBP's Debt-to-Equity is ranked worse than 58.13% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs NSA:FBP: 0.73
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.
Fidelity Bank Debt-to-Equity Related Terms
Fidelity Bank Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Fidelity 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.
Fidelity Bank Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Fidelity 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.
Fidelity Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Fidelity Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Fidelity 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.
Fidelity Bank (NSA:FBP) has a Debt-to-Equity of 0.73 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Fidelity Bank and its competitors. This is 62% below median its historical median of 1.94. Over the past decade, Fidelity Bank's Debt-to-Equity has ranged from 0.73 to 2.83. According to the industry distribution chart, Fidelity Bank ranks #826 out of 1421 companies in the Banks industry, placing it in the top 58.1%.
Is Fidelity Bank's Debt-to-Equity too high?
Fidelity Bank's current Debt-to-Equity of 0.73 is 62% below median its 10-year median of 1.94. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 2.83. The Banks industry median Debt-to-Equity is 0.58. Fidelity Bank's value of 0.73 is 25.9% above this industry median. Based on the distribution chart, Fidelity Bank ranks #826 out of 1421 companies in the Banks industry, which is below the industry midpoint. Overall, Fidelity Bank has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fidelity Bank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Fidelity Bank ranks #826 out of 1421 companies for Debt-to-Equity. This places Fidelity Bank in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Fidelity Bank's value of 0.73 is 25.9% above this benchmark. Historically, Fidelity Bank's own Debt-to-Equity has ranged from 0.73 to 2.83 over the past decade. While the company's 10-year median is 1.94 vs. the industry median of 0.58, Fidelity Bank has consistently been above 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. Fidelity Bank's current Debt-to-Equity of 0.73 is 25.9% above 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 Fidelity 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. Fidelity Bank's current Debt-to-Equity is 0.73, which is 62% below median its own 10-year median of 1.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fidelity Bank stock overvalued right now?
Based on GuruFocus' analysis, Fidelity Bank (NSA:FBP) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦14.39, compared to a current price of ₦21.60 — trading 50.1% above its estimated fair value. The current Debt-to-Equity is 0.73, which is 62% below median its 10-year median of 1.94 and 25.9% above the Banks industry median of 0.58. Fidelity Bank's overall GF Score™ is 69/100 with 4 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 Fidelity Bank (NSA:FBP), the current Debt-to-Equity is 0.73 as of Mar. 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 Fidelity Bank (NSA:FBP) Overvalued in 2026?
Based on GuruFocus' analysis, Fidelity Bank stock appears to be overvalued.
The current stock price of ₦21.60 is trading 50.1% above its estimated GF Value™ of ₦14.39.
GuruFocus considers Fidelity Bank to be Significantly Overvalued.
Key valuation signals for NSA:FBP:
Debt-to-Equity: 0.73 (62% below median its 10-year median of 1.94)
GF Value™: ₦14.39 vs. price of ₦21.60 (50.1% above fair value)
Industry Position: 25.9% above the Banks median (#826 of 1421)
No single metric tells the full story. See the NSA:FBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fidelity Bank PLC offers banking and other financial services to corporate and individual customers. It operates through segments including Retail banking that offers retail, personal and commercial services to individuals, small and medium business customers and E-Business products to serve retail banking; Its Corporate Banking segment offers commercial and corporate banking services to corporate business customers, it covers the Power and Infrastructure, Oil and Gas Upstream and downstream, Real Estate, Agro-Allied, and other industries; and Investment banking segment is involved in the funding and management of the bank's securities, trading, and investment decisions. It generates maximum revenue from the Retail Segment.
69GF Score
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