SSI GroupPHS:SSI 85 Debt-to-Equity is 0.23 as of Mar. 2026, which is 59% below its 10-year median of 0.56. GuruFocus rates PHS:SSI with a GF Score™ of 85/100 and a GF Value™ of ₱3.49 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,012 Retail - Cyclical companies, SSI Group ranks better than 74.8% 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 SSI Group's Debt-to-Equity or its related term are showing as below:
PHS:SSI'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.16 Med: 0.56 Max: 0.9
Current: 0.23
During the past 13 years, the highest Debt-to-Equity Ratio of SSI Group was 0.90. The lowest was 0.16. And the median was 0.56.
PHS:SSI's Debt-to-Equity is ranked better than 74.8% of 1012
companies
in the Retail - Cyclical industry
Industry Median: 0.56
vs PHS:SSI: 0.23
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.
SSI Group Debt-to-Equity Related Terms
SSI Group Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for SSI 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.
PHS:SSI vs TJX, ROST, BURL: Debt-to-Equity Comparison
For the Apparel Retail subindustry, SSI 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.
SSI Group Debt-to-Equity vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, SSI Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where SSI 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.
SSI Group (PHS:SSI) has a Debt-to-Equity of 0.23 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on SSI Group and its competitors. This is 59% below median its historical median of 0.56. Over the past decade, SSI Group's Debt-to-Equity has ranged from 0.16 to 0.90. According to the industry distribution chart, SSI Group ranks #255 out of 1012 companies in the Retail - Cyclical industry, placing it in the top 25.2%.
Is SSI Group's Debt-to-Equity too high?
SSI Group's current Debt-to-Equity of 0.23 is 59% below median its 10-year median of 0.56. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 0.90. The Retail - Cyclical industry median Debt-to-Equity is 0.56. SSI Group's value of 0.23 is 58.9% below this industry median. Based on the distribution chart, SSI Group ranks #255 out of 1012 companies in the Retail - Cyclical industry, which is above the industry midpoint. Overall, SSI Group has a GF Score™ of 85/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SSI Group's Debt-to-Equity compare to TJX and ROST?
According to the Retail - Cyclical industry distribution chart, SSI Group ranks #255 out of 1012 companies for Debt-to-Equity. This puts SSI Group in the upper half of its industry. The industry median Debt-to-Equity is 0.56. SSI Group's value of 0.23 is 58.9% below this benchmark. Historically, SSI Group's own Debt-to-Equity has ranged from 0.16 to 0.90 over the past decade. While the company's 10-year median is 0.56 vs. the industry median of 0.56, SSI 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 Retail - Cyclical company?
The median Debt-to-Equity among Retail - Cyclical companies is 0.56, based on 1,012 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. SSI Group's current Debt-to-Equity of 0.23 is 58.9% 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 SSI Group and its competitors. For the Retail - Cyclical 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. SSI Group's current Debt-to-Equity is 0.23, which is 59% below median its own 10-year median of 0.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SSI Group stock overvalued right now?
Based on GuruFocus' analysis, SSI Group (PHS:SSI) is currently considered Significantly Undervalued. The stock's GF Value™ is ₱3.49, compared to a current price of ₱2.20 — trading 37% below its estimated fair value. The current Debt-to-Equity is 0.23, which is 59% below median its 10-year median of 0.56 and 58.9% below the Retail - Cyclical industry median of 0.56. SSI Group's overall GF Score™ is 85/100 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 SSI Group (PHS:SSI), the current Debt-to-Equity is 0.23 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 SSI Group (PHS:SSI) Overvalued in 2026?
Based on GuruFocus' analysis, SSI Group stock appears to be undervalued.
The current stock price of ₱2.20 is trading 37% below its estimated GF Value™ of ₱3.49.
GuruFocus considers SSI Group to be Significantly Undervalued.
Key valuation signals for PHS:SSI:
Debt-to-Equity: 0.23 (59% below median its 10-year median of 0.56)
GF Value™: ₱3.49 vs. price of ₱2.20 (37% below fair value)
Industry Position: 58.9% below the Retail - Cyclical median (#255 of 1012)
No single metric tells the full story. See the PHS:SSI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SSI Group Inc together with its subsidiaries, operates specialty retail stores in the Philippines. The company operates a retail network consists of 628 stores located within approximately 110 malls across the Philippines, including Metro Manila, Luzon, Visayas, and Mindanao. The company provides a broad range of categories and brands, from luxury and bridge apparel to casual wear and fast fashion, as well as footwear, accessories, luggage, food, home and decor, and beauty and personal care.
85GF Score
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