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Shinkin Central BankSKCBY 53 Debt-to-Equity is 5.12 as of Mar. 2026, which is 43% above its 10-year median of 3.59. GuruFocus rates SKCBY with a GF Score™ of 53/100 and a GF Value™ of $6.06. The stock has 4 warning signs investors should review. Among 1,410 Banks companies, Shinkin Central Bank ranks worse than 96.38% 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 Shinkin Central Bank's Debt-to-Equity or its related term are showing as below:
SKCBY'
s Debt-to-Equity Range Over the Past 10 Years
Min: 2.59 Med: 3.59 Max: 5.27
Current: 4.66
During the past 13 years, the highest Debt-to-Equity Ratio of Shinkin Central Bank was 5.27. The lowest was 2.59. And the median was 3.59.
SKCBY's Debt-to-Equity is ranked worse than 96.38% of 1410
companies
in the Banks industry
Industry Median: 0.58
vs SKCBY: 4.66
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.
Shinkin Central Bank Debt-to-Equity Related Terms
Shinkin Central Bank Debt-to-Equity Historical Data
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The historical data trend for Shinkin Central 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.
Shinkin Central Bank Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Shinkin Central 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.
Shinkin Central Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Shinkin Central Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Shinkin Central 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.
Shinkin Central Bank (SKCBY) has a Debt-to-Equity of 5.12 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Shinkin Central Bank and its competitors. This is 43% above median its historical median of 3.59. Over the past decade, Shinkin Central Bank's Debt-to-Equity has ranged from 2.59 to 5.27. According to the industry distribution chart, Shinkin Central Bank ranks #1359 out of 1410 companies in the Banks industry, placing it in the top 96.4%.
Is Shinkin Central Bank's Debt-to-Equity too high?
Shinkin Central Bank's current Debt-to-Equity of 5.12 is 43% above median its 10-year median of 3.59. Over the past 10 years, this metric has ranged from a low of 2.59 to a high of 5.27. The Banks industry median Debt-to-Equity is 0.58. Shinkin Central Bank's value of 5.12 is 782.8% above this industry median. Based on the distribution chart, Shinkin Central Bank ranks #1359 out of 1410 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Shinkin Central Bank has a GF Score™ of 53/100, reflecting its overall financial health beyond just this single metric.
How does Shinkin Central Bank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Shinkin Central Bank ranks #1359 out of 1410 companies for Debt-to-Equity. This places Shinkin Central Bank in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Shinkin Central Bank's value of 5.12 is 782.8% above this benchmark. Historically, Shinkin Central Bank's own Debt-to-Equity has ranged from 2.59 to 5.27 over the past decade. While the company's 10-year median is 3.59 vs. the industry median of 0.58, Shinkin Central 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 1,410 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. Shinkin Central Bank's current Debt-to-Equity of 5.12 is 782.8% 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 Shinkin Central 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. Shinkin Central Bank's current Debt-to-Equity is 5.12, which is 43% above median its own 10-year median of 3.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shinkin Central Bank stock overvalued right now?
Shinkin Central Bank (SKCBY) has a current Debt-to-Equity of 5.12. The stock's GF Value™ is $6.06, compared to a current price of $7.06 — trading 16.5% above its estimated fair value. The current Debt-to-Equity is 5.12, which is 43% above median its 10-year median of 3.59 and 782.8% above the Banks industry median of 0.58. Shinkin Central Bank's overall GF Score™ is 53/100 with 4 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 Shinkin Central Bank (SKCBY), the current Debt-to-Equity is 5.12 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 Shinkin Central Bank (SKCBY) Overvalued in 2026?
Based on GuruFocus' analysis, Shinkin Central Bank stock appears to be overvalued.
The current stock price of $7.06 is trading 16.5% above its estimated GF Value™ of $6.06.
Key valuation signals for SKCBY:
Debt-to-Equity: 5.12 (43% above median its 10-year median of 3.59)
GF Value™: $6.06 vs. price of $7.06 (16.5% above fair value)
Industry Position: 782.8% above the Banks median (#1359 of 1410)
No single metric tells the full story. See the SKCBY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Shinkin Central Bank provides various financial products and services, including deposit, bond, financing, market operation, securities, and settlement, as well as business support and function supplement for cooperative banks. It uses the funds deposited from Shinkin banks throughout Japan to invest in marketable securities in the financial markets in Japan and overseas. It provides loans to operating companies.
53GF Score
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