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Seven BankSEBNF 80 Debt-to-Equity is 0.41 as of Mar. 2026, which is 16% below its 10-year median of 0.49. GuruFocus rates SEBNF with a GF Score™ of 80/100 and a GF Value™ of $2.06. The stock has 6 warning signs investors should review. Among 1,419 Banks companies, Seven Bank ranks better than 62.37% 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 Seven Bank's Debt-to-Equity or its related term are showing as below:
SEBNF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.36 Med: 0.49 Max: 0.72
Current: 0.39
During the past 13 years, the highest Debt-to-Equity Ratio of Seven Bank was 0.72. The lowest was 0.36. And the median was 0.49.
SEBNF's Debt-to-Equity is ranked better than 62.37% of 1419
companies
in the Banks industry
Industry Median: 0.59
vs SEBNF: 0.39
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.
Seven Bank Debt-to-Equity Related Terms
Seven Bank Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Seven 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.
For the Banks - Regional subindustry, Seven 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.
Seven Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Seven Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Seven 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.
Seven Bank (SEBNF) has a Debt-to-Equity of 0.41 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Seven Bank and its competitors. This is 16% below median its historical median of 0.49. Over the past decade, Seven Bank's Debt-to-Equity has ranged from 0.36 to 0.72. According to the industry distribution chart, Seven Bank ranks #534 out of 1419 companies in the Banks industry, placing it in the top 37.6%.
Is Seven Bank's Debt-to-Equity too high?
Seven Bank's current Debt-to-Equity of 0.41 is 16% below median its 10-year median of 0.49. Over the past 10 years, this metric has ranged from a low of 0.36 to a high of 0.72. The Banks industry median Debt-to-Equity is 0.59. Seven Bank's value of 0.41 is 30.5% below this industry median. Based on the distribution chart, Seven Bank ranks #534 out of 1419 companies in the Banks industry, which is above the industry midpoint. Overall, Seven Bank has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does Seven Bank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Seven Bank ranks #534 out of 1419 companies for Debt-to-Equity. This puts Seven Bank in the upper half of its industry. The industry median Debt-to-Equity is 0.59. Seven Bank's value of 0.41 is 30.5% below this benchmark. Historically, Seven Bank's own Debt-to-Equity has ranged from 0.36 to 0.72 over the past decade. While the company's 10-year median is 0.49 vs. the industry median of 0.59, Seven 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 0.59, based on 1,419 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. Seven Bank's current Debt-to-Equity of 0.41 is 30.5% 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 Seven Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Seven Bank's current Debt-to-Equity is 0.41, which is 16% below median its own 10-year median of 0.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Seven Bank stock overvalued right now?
Seven Bank (SEBNF) has a current Debt-to-Equity of 0.41. The stock's GF Value™ is $2.06, compared to a current price of $1.78 — trading 13.6% below its estimated fair value. The current Debt-to-Equity is 0.41, which is 16% below median its 10-year median of 0.49 and 30.5% below the Banks industry median of 0.59. Seven Bank's overall GF Score™ is 80/100 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 Seven Bank (SEBNF), the current Debt-to-Equity is 0.41 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 Seven Bank (SEBNF) Overvalued in 2026?
Based on GuruFocus' analysis, Seven Bank stock appears to be undervalued.
The current stock price of $1.78 is trading 13.6% below its estimated GF Value™ of $2.06.
Key valuation signals for SEBNF:
Debt-to-Equity: 0.41 (16% below median its 10-year median of 0.49)
GF Value™: $2.06 vs. price of $1.78 (13.6% below fair value)
Industry Position: 30.5% below the Banks median (#534 of 1419)
No single metric tells the full story. See the SEBNF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Seven Bank Ltd is a Japan-based business bank. It operates a network of ATMs in partnership with financial institutions across Japan. The company's business segments include the ATM Services segment and the Financial Services segment. The ATM Services segment, provides deposits, withdrawals, and bank transfers at more than 22,000 Seven Bank ATMs nationwide using the cards of more than 590 partner institutions. The Financial Services segment provides convenient account-related services, such as ordinary deposits, time deposits, personal loans and international money transfers, which are accessible from not only Seven Bank ATMs but also personal computers and smartphones. Also, the company provides ATM services overseas and back-office support on commission through its subsidiaries.
80GF Score
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