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San-in Godo BankSGDBF 44 Debt-to-Equity is 4.68 as of Mar. 2026, which is 149% above its 10-year median of 1.88. GuruFocus rates SGDBF with a GF Score™ of 44/100 and a GF Value™ of $4.71. The stock has 6 warning signs investors should review. Among 1,414 Banks companies, San-in Godo Bank ranks worse than 95.9% 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 San-in Godo Bank's Debt-to-Equity or its related term are showing as below:
SGDBF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 1.35 Med: 1.88 Max: 4.68
Current: 4.25
During the past 13 years, the highest Debt-to-Equity Ratio of San-in Godo Bank was 4.68. The lowest was 1.35. And the median was 1.88.
SGDBF's Debt-to-Equity is ranked worse than 95.9% of 1414
companies
in the Banks industry
Industry Median: 0.58
vs SGDBF: 4.25
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.
San-in Godo Bank Debt-to-Equity Related Terms
San-in Godo Bank Debt-to-Equity Historical Data
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The historical data trend for San-in Godo 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.
San-in Godo Bank Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, San-in Godo 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.
San-in Godo Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, San-in Godo Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where San-in Godo 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.
San-in Godo Bank (SGDBF) has a Debt-to-Equity of 4.68 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on San-in Godo Bank and its competitors. This is 149% above median its historical median of 1.88. Over the past decade, San-in Godo Bank's Debt-to-Equity has ranged from 1.35 to 4.68. According to the industry distribution chart, San-in Godo Bank ranks #1356 out of 1414 companies in the Banks industry, placing it in the top 95.9%.
Is San-in Godo Bank's Debt-to-Equity too high?
San-in Godo Bank's current Debt-to-Equity of 4.68 is 149% above median its 10-year median of 1.88. Over the past 10 years, this metric has ranged from a low of 1.35 to a high of 4.68. The Banks industry median Debt-to-Equity is 0.58. San-in Godo Bank's value of 4.68 is 706.9% above this industry median. Based on the distribution chart, San-in Godo Bank ranks #1356 out of 1414 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, San-in Godo Bank has a GF Score™ of 44/100, reflecting its overall financial health beyond just this single metric.
How does San-in Godo Bank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, San-in Godo Bank ranks #1356 out of 1414 companies for Debt-to-Equity. This places San-in Godo Bank in the lower half of its industry. The industry median Debt-to-Equity is 0.58. San-in Godo Bank's value of 4.68 is 706.9% above this benchmark. Historically, San-in Godo Bank's own Debt-to-Equity has ranged from 1.35 to 4.68 over the past decade. While the company's 10-year median is 1.88 vs. the industry median of 0.58, San-in Godo Bank 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 0.58, based on 1,414 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. San-in Godo Bank's current Debt-to-Equity of 4.68 is 706.9% 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 San-in Godo Bank 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. San-in Godo Bank's current Debt-to-Equity is 4.68, which is 149% above median its own 10-year median of 1.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is San-in Godo Bank stock overvalued right now?
San-in Godo Bank (SGDBF) has a current Debt-to-Equity of 4.68. The stock's GF Value™ is $4.71, compared to a current price of $8.58 — trading 82.2% above its estimated fair value. The current Debt-to-Equity is 4.68, which is 149% above median its 10-year median of 1.88 and 706.9% above the Banks industry median of 0.58. San-in Godo Bank's overall GF Score™ is 44/100 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 San-in Godo Bank (SGDBF), the current Debt-to-Equity is 4.68 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 San-in Godo Bank (SGDBF) Overvalued in 2026?
Based on GuruFocus' analysis, San-in Godo Bank stock appears to be overvalued.
The current stock price of $8.58 is trading 82.2% above its estimated GF Value™ of $4.71.
Key valuation signals for SGDBF:
Debt-to-Equity: 4.68 (149% above median its 10-year median of 1.88)
GF Value™: $4.71 vs. price of $8.58 (82.2% above fair value)
Industry Position: 706.9% above the Banks median (#1356 of 1414)
No single metric tells the full story. See the SGDBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
San-in Godo Bank Ltd is a Japanese bank group that operates in the San-in region of western Honshu. It also has a presence in the neighboring Sanyo region and the Hyogo prefecture. The group has two reportable service segments: banking and leasing. Banking constitutes a majority of the group's activities and consists of a deposit, loan, securities investment, and exchange business. The group also engages in a credit guarantee business. Loans and bills discounted and securities constitute a majority of the bank's earning assets.
44GF Score
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