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Public Bank BhdPBLOF 71 Debt-to-Equity is 0.26 as of Mar. 2026, which is 4% below its 10-year median of 0.27. GuruFocus rates PBLOF with a GF Score™ of 71/100 and a GF Value™ of $0.86. The stock has 3 warning signs investors should review. Among 1,421 Banks companies, Public Bank Bhd ranks better than 70.51% 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 Public Bank Bhd's Debt-to-Equity or its related term are showing as below:
PBLOF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.18 Med: 0.27 Max: 0.42
Current: 0.26
During the past 13 years, the highest Debt-to-Equity Ratio of Public Bank Bhd was 0.42. The lowest was 0.18. And the median was 0.27.
PBLOF's Debt-to-Equity is ranked better than 70.51% of 1421
companies
in the Banks industry
Industry Median: 0.56
vs PBLOF: 0.26
Public Bank Bhd (OTCPK:PBLOF) 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.
Public Bank Bhd Debt-to-Equity Related Terms
Public Bank Bhd Debt-to-Equity Historical Data
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The historical data trend for Public Bank Bhd'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.
Public Bank Bhd Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Public Bank Bhd'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.
Public Bank Bhd Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Public Bank Bhd's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Public Bank Bhd'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.
Public Bank Bhd (PBLOF) has a Debt-to-Equity of 0.26 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Public Bank Bhd and its competitors. This is near median its historical median of 0.27. Over the past decade, Public Bank Bhd's Debt-to-Equity has ranged from 0.18 to 0.42. According to the industry distribution chart, Public Bank Bhd ranks #419 out of 1421 companies in the Banks industry, placing it in the top 29.5%.
Is Public Bank Bhd's Debt-to-Equity too high?
Public Bank Bhd's current Debt-to-Equity of 0.26 is near median its 10-year median of 0.27. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 0.42. The Banks industry median Debt-to-Equity is 0.56. Public Bank Bhd's value of 0.26 is 53.6% below this industry median. Based on the distribution chart, Public Bank Bhd ranks #419 out of 1421 companies in the Banks industry, which is above the industry midpoint. Overall, Public Bank Bhd has a GF Score™ of 71/100, reflecting its overall financial health beyond just this single metric.
How does Public Bank Bhd's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Public Bank Bhd ranks #419 out of 1421 companies for Debt-to-Equity. This puts Public Bank Bhd in the upper half of its industry. The industry median Debt-to-Equity is 0.56. Public Bank Bhd's value of 0.26 is 53.6% below this benchmark. Historically, Public Bank Bhd's own Debt-to-Equity has ranged from 0.18 to 0.42 over the past decade. While the company's 10-year median is 0.27 vs. the industry median of 0.56, Public Bank Bhd 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 1,421 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. Public Bank Bhd's current Debt-to-Equity of 0.26 is 53.6% 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 Public Bank Bhd 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. Public Bank Bhd's current Debt-to-Equity is 0.26, which is near median its own 10-year median of 0.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Public Bank Bhd stock overvalued right now?
Public Bank Bhd (PBLOF) has a current Debt-to-Equity of 0.26. The stock's GF Value™ is $0.86, compared to a current price of $0.95 — trading 10.5% above its estimated fair value. The current Debt-to-Equity is 0.26, which is near median its 10-year median of 0.27 and 53.6% below the Banks industry median of 0.56. Public Bank Bhd's overall GF Score™ is 71/100 with 3 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 Public Bank Bhd (PBLOF), the current Debt-to-Equity is 0.26 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 Public Bank Bhd (PBLOF) Overvalued in 2026?
Based on GuruFocus' analysis, Public Bank Bhd stock appears to be overvalued.
The current stock price of $0.95 is trading 10.5% above its estimated GF Value™ of $0.86.
Key valuation signals for PBLOF:
Debt-to-Equity: 0.26 (near median its 10-year median of 0.27)
GF Value™: $0.86 vs. price of $0.95 (10.5% above fair value)
Industry Position: 53.6% below the Banks median (#419 of 1421)
No single metric tells the full story. See the PBLOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Public Bank Bhd is a Malaysian banking group that provides a range of financial products and services, including personal banking, commercial banking, Islamic banking, investment banking, share broking, trustee services, nominee services, sale and management of unit trust funds, bancassurance, and general insurance products. In addition to its mostly Malaysian operational presence, the bank is exposed to other Southeast Asian nations through some of its branches. It emphasizes organic growth in the retail banking business, particularly among retail consumers and small and medium-sized enterprises. The majority of its revenue comes from the Retail Operations segment. Public Bank offers a suite of banking products and services through its extensive branch network and infrastructure.
71GF Score
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