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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 Postalvings Bank Of China Co's Debt-to-Equity or its related term are showing as below:
PSBKF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.1 Med: 0.17 Max: 0.28
Current: 0.24
During the past 11 years, the highest Debt-to-Equity Ratio of Postalvings Bank Of China Co was 0.28. The lowest was 0.10. And the median was 0.17.
PSBKF's Debt-to-Equity is ranked better than 74.2% of 1411
companies
in the Banks industry
Industry Median: 0.58
vs PSBKF: 0.24
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.
Postalvings Bank Of China Co Debt-to-Equity Related Terms
Postalvings Bank Of China Co Debt-to-Equity Historical Data
* 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.
Postalvings Bank Of China Co Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Postalvings Bank Of China Co'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.
Postalvings Bank Of China Co Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Postalvings Bank Of China Co's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Postalvings Bank Of China Co'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.
Postalvings Bank Of China Co (PSBKF) has a Debt-to-Equity of 0.23 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Postalvings Bank Of China Co and its competitors. This is 35% above median its historical median of 0.17. Over the past decade, Postalvings Bank Of China Co's Debt-to-Equity has ranged from 0.10 to 0.28. According to the industry distribution chart, Postalvings Bank Of China Co ranks #364 out of 1411 companies in the Banks industry, placing it in the top 25.8%.
Is Postalvings Bank Of China Co's Debt-to-Equity too high?
Postalvings Bank Of China Co's current Debt-to-Equity of 0.23 is 35% above median its 10-year median of 0.17. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.28. The Banks industry median Debt-to-Equity is 0.58. Postalvings Bank Of China Co's value of 0.23 is 60.3% below this industry median. Based on the distribution chart, Postalvings Bank Of China Co ranks #364 out of 1411 companies in the Banks industry, which is above the industry midpoint. Overall, Postalvings Bank Of China Co has a GF Score™ of 75/100, reflecting its overall financial health beyond just this single metric.
How does Postalvings Bank Of China Co's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Postalvings Bank Of China Co ranks #364 out of 1411 companies for Debt-to-Equity. This puts Postalvings Bank Of China Co in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Postalvings Bank Of China Co's value of 0.23 is 60.3% below this benchmark. Historically, Postalvings Bank Of China Co's own Debt-to-Equity has ranged from 0.10 to 0.28 over the past decade. While the company's 10-year median is 0.17 vs. the industry median of 0.58, Postalvings Bank Of China Co 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 0.58, based on 1,411 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. Postalvings Bank Of China Co's current Debt-to-Equity of 0.23 is 60.3% 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 Postalvings Bank Of China Co 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. Postalvings Bank Of China Co's current Debt-to-Equity is 0.23, which is 35% above median its own 10-year median of 0.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Postalvings Bank Of China Co stock overvalued right now?
Postalvings Bank Of China Co (PSBKF) has a current Debt-to-Equity of 0.23. The stock's GF Value™ is $0.62, compared to a current price of $0.67 — trading 7.9% above its estimated fair value. The current Debt-to-Equity is 0.23, which is 35% above median its 10-year median of 0.17 and 60.3% below the Banks industry median of 0.58. Postalvings Bank Of China Co's overall GF Score™ is 75/100 with 6 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 Postalvings Bank Of China Co (PSBKF), the current Debt-to-Equity is 0.23 as of Dec. 2025. 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 Postalvings Bank Of China Co (PSBKF) Overvalued in 2026?
Based on GuruFocus' analysis, Postalvings Bank Of China Co stock appears to be overvalued.
The current stock price of $0.67 is trading 7.9% above its estimated GF Value™ of $0.62.
Key valuation signals for PSBKF:
Debt-to-Equity: 0.23 (35% above median its 10-year median of 0.17)
GF Value™: $0.62 vs. price of $0.67 (7.9% above fair value)
Industry Position: 60.3% below the Banks median (#364 of 1411)
No single metric tells the full story. See the PSBKF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Postal Savings Bank of China Co Ltd is a banking group conducting its operating activities in the People's Republic of China (PRC), and the principal activities include: personal and corporate financial services, treasury operations, and other business activities. The Group's main operating segments are: Personal banking, Corporate banking, Treasury, and Others. The majority of its revenue is generated from the Personal and Corporate banking businesses, which provide various financial products and services to individuals, corporations, government agencies, and financial institutions. The various services offered include current account settlement, deposits, personal loans, credit cards and debit cards, foreign currency, and wealth management products, etc.
75GF Score
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