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Asia United BankPHS:AUB +1.50%66 Debt-to-Equity is 0.04 as of Mar. 2026, which is 83% below its 10-year median of 0.23. GuruFocus rates PHS:AUB with a GF Score™ of 66/100 and a GF Value™ of ₱38.44 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,423 Banks companies, Asia United Bank ranks better than 95.08% 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 Asia United Bank's Debt-to-Equity or its related term are showing as below:
PHS:AUB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.03 Med: 0.23 Max: 0.46
Current: 0.04
During the past 13 years, the highest Debt-to-Equity Ratio of Asia United Bank was 0.46. The lowest was 0.03. And the median was 0.23.
PHS:AUB's Debt-to-Equity is ranked better than 95.08% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs PHS:AUB: 0.04
Asia United Bank (PHS:AUB) 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.
Asia United Bank Debt-to-Equity Related Terms
Asia United Bank Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Asia United 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.
Asia United Bank Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Asia United 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.
Asia United Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Asia United Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Asia United 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.
Asia United Bank (PHS:AUB) has a Debt-to-Equity of 0.04 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Asia United Bank and its competitors. This is 83% below median its historical median of 0.23. Over the past decade, Asia United Bank's Debt-to-Equity has ranged from 0.03 to 0.46. According to the industry distribution chart, Asia United Bank ranks #70 out of 1423 companies in the Banks industry, placing it in the top 4.9%.
Is Asia United Bank's Debt-to-Equity too high?
Asia United Bank's current Debt-to-Equity of 0.04 is 83% below median its 10-year median of 0.23. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.46. The Banks industry median Debt-to-Equity is 0.56. Asia United Bank's value of 0.04 is 92.9% below this industry median. Based on the distribution chart, Asia United Bank ranks #70 out of 1423 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Asia United Bank has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Asia United Bank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Asia United Bank ranks #70 out of 1423 companies for Debt-to-Equity. This places Asia United Bank in the top 5% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.56. Asia United Bank's value of 0.04 is 92.9% below this benchmark. Historically, Asia United Bank's own Debt-to-Equity has ranged from 0.03 to 0.46 over the past decade. While the company's 10-year median is 0.23 vs. the industry median of 0.56, Asia United Bank 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. Asia United Bank's current Debt-to-Equity of 0.04 is 92.9% 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 Asia United Bank 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. Asia United Bank's current Debt-to-Equity is 0.04, which is 83% below median its own 10-year median of 0.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Asia United Bank stock overvalued right now?
Based on GuruFocus' analysis, Asia United Bank (PHS:AUB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱38.44, compared to a current price of ₱50.80 — trading 32.2% above its estimated fair value. The current Debt-to-Equity is 0.04, which is 83% below median its 10-year median of 0.23 and 92.9% below the Banks industry median of 0.56. Asia United Bank's overall GF Score™ is 66/100 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 Asia United Bank (PHS:AUB), the current Debt-to-Equity is 0.04 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 Asia United Bank (PHS:AUB) Overvalued in 2026?
Based on GuruFocus' analysis, Asia United Bank stock appears to be overvalued.
The current stock price of ₱50.80 is trading 32.2% above its estimated GF Value™ of ₱38.44.
GuruFocus considers Asia United Bank to be Significantly Overvalued.
Key valuation signals for PHS:AUB:
Debt-to-Equity: 0.04 (83% below median its 10-year median of 0.23)
GF Value™: ₱38.44 vs. price of ₱50.80 (32.2% above fair value)
Industry Position: 92.9% below the Banks median (#70 of 1423)
No single metric tells the full story. See the PHS:AUB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Asia United Bank Corp is a banking service provider in the Philippines. It offers banking and financial products to corporate and individual customers. It functions through five divisions. Commercial Banking provides lending, trade, and cash management services to corporate and institutional customers. The Consumer Banking segment offers banking services to retail customers. The Treasury segment functions include managing the group's reserve and liquidity position and maintaining its balance sheet by investing in sovereign and corporate debt instruments. The Branch Banking segment, which is the key revenue driver, offers retail deposit products. The Others segment includes the group's income from trust activities, remittances, investment banking, and gains on foreclosed properties.
66GF Score
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