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China BankingPHS:CBC +0.27%76 Debt-to-Equity is 0.65 as of Mar. 2026, which is 5% above its 10-year median of 0.62. GuruFocus rates PHS:CBC with a GF Score™ of 76/100 and a GF Value™ of ₱58.44 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,426 Banks companies, China Banking ranks worse than 54.91% 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 China Banking's Debt-to-Equity or its related term are showing as below:
PHS:CBC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.15 Med: 0.62 Max: 0.93
Current: 0.65
During the past 13 years, the highest Debt-to-Equity Ratio of China Banking was 0.93. The lowest was 0.15. And the median was 0.62.
PHS:CBC's Debt-to-Equity is ranked worse than 54.91% of 1426
companies
in the Banks industry
Industry Median: 0.56
vs PHS:CBC: 0.65
China Banking (PHS:CBC) 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.
China Banking Debt-to-Equity Related Terms
China Banking Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for China Banking'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.
China Banking Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, China Banking'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.
China Banking Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, China Banking's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where China Banking'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.
China Banking (PHS:CBC) has a Debt-to-Equity of 0.65 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on China Banking and its competitors. This is near median its historical median of 0.62. Over the past decade, China Banking's Debt-to-Equity has ranged from 0.15 to 0.93. According to the industry distribution chart, China Banking ranks #783 out of 1426 companies in the Banks industry, placing it in the top 54.9%.
Is China Banking's Debt-to-Equity too high?
China Banking's current Debt-to-Equity of 0.65 is near median its 10-year median of 0.62. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 0.93. The Banks industry median Debt-to-Equity is 0.56. China Banking's value of 0.65 is 16.1% above this industry median. Based on the distribution chart, China Banking ranks #783 out of 1426 companies in the Banks industry, which is below the industry midpoint. Overall, China Banking has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does China Banking's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, China Banking ranks #783 out of 1426 companies for Debt-to-Equity. This places China Banking in the lower half of its industry. The industry median Debt-to-Equity is 0.56. China Banking's value of 0.65 is 16.1% above this benchmark. Historically, China Banking's own Debt-to-Equity has ranged from 0.15 to 0.93 over the past decade. While the company's 10-year median is 0.62 vs. the industry median of 0.56, China Banking 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 0.56, based on 1,426 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. China Banking's current Debt-to-Equity of 0.65 is 16.1% 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 China Banking 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. China Banking's current Debt-to-Equity is 0.65, which is near median its own 10-year median of 0.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Banking stock overvalued right now?
Based on GuruFocus' analysis, China Banking (PHS:CBC) is currently considered Fairly Valued. The stock's GF Value™ is ₱58.44, compared to a current price of ₱56.55 — trading 3.2% below its estimated fair value. The current Debt-to-Equity is 0.65, which is near median its 10-year median of 0.62 and 16.1% above the Banks industry median of 0.56. China Banking's overall GF Score™ is 76/100 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 China Banking (PHS:CBC), the current Debt-to-Equity is 0.65 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 China Banking (PHS:CBC) Overvalued in 2026?
Based on GuruFocus' analysis, China Banking stock appears to be undervalued.
The current stock price of ₱56.55 is trading 3.2% below its estimated GF Value™ of ₱58.44.
GuruFocus considers China Banking to be Fairly Valued.
Key valuation signals for PHS:CBC:
Debt-to-Equity: 0.65 (near median its 10-year median of 0.62)
GF Value™: ₱58.44 vs. price of ₱56.55 (3.2% below fair value)
Industry Position: 16.1% above the Banks median (#783 of 1426)
No single metric tells the full story. See the PHS:CBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Banking Corp is a commercial bank engaged in corporate and SME lending, retail loans including mortgage and auto loans, treasury and foreign exchange trading, trust and investment management, wealth management, cash management, and insurance products. The group's five business segments, namely, Institutional Banking, Consumer Banking, Retail Banking Business, Financial Markets, and Others, which include credit management, thrift banking business, operations and financial control, and other support services. The majority of the company's revenue comes from the Retail Banking Business.
76GF Score
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