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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 Asia Commercial Joint Stock Bank's Debt-to-Equity or its related term are showing as below:
STC:ACB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.4 Med: 0.79 Max: 1.95
Current: 1.91
During the past 13 years, the highest Debt-to-Equity Ratio of Asia Commercial Joint Stock Bank was 1.95. The lowest was 0.40. And the median was 0.79.
STC:ACB's Debt-to-Equity is ranked worse than 84.26% of 1417
companies
in the Banks industry
Industry Median: 0.57
vs STC:ACB: 1.91
Asia Commercial Joint Stock Bank (STC:ACB) Debt-to-Equity Explanation
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.
Asia Commercial Joint Stock Bank Debt-to-Equity Related Terms
Asia Commercial Joint Stock Bank 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.
Asia Commercial Joint Stock Bank Debt-to-Equity Chart
Asia Commercial Joint Stock Bank Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Asia Commercial Joint Stock 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.
Asia Commercial Joint Stock Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Asia Commercial Joint Stock Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Asia Commercial Joint Stock 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.
Asia Commercial Joint Stock Bank (STC:ACB) has a Debt-to-Equity of 1.91 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Asia Commercial Joint Stock Bank and its competitors. This is 142% above median its historical median of 0.79. Over the past decade, Asia Commercial Joint Stock Bank's Debt-to-Equity has ranged from 0.40 to 1.95. According to the industry distribution chart, Asia Commercial Joint Stock Bank ranks #1194 out of 1417 companies in the Banks industry, placing it in the top 84.3%.
Is Asia Commercial Joint Stock Bank's Debt-to-Equity too high?
Asia Commercial Joint Stock Bank's current Debt-to-Equity of 1.91 is 142% above median its 10-year median of 0.79. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 1.95. The Banks industry median Debt-to-Equity is 0.57. Asia Commercial Joint Stock Bank's value of 1.91 is 235.1% above this industry median. Based on the distribution chart, Asia Commercial Joint Stock Bank ranks #1194 out of 1417 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Asia Commercial Joint Stock Bank has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Asia Commercial Joint Stock Bank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Asia Commercial Joint Stock Bank ranks #1194 out of 1417 companies for Debt-to-Equity. This places Asia Commercial Joint Stock Bank in the lower half of its industry. The industry median Debt-to-Equity is 0.57. Asia Commercial Joint Stock Bank's value of 1.91 is 235.1% above this benchmark. Historically, Asia Commercial Joint Stock Bank's own Debt-to-Equity has ranged from 0.40 to 1.95 over the past decade. While the company's 10-year median is 0.79 vs. the industry median of 0.57, Asia Commercial Joint Stock 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 0.57, based on 1,417 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. Asia Commercial Joint Stock Bank's current Debt-to-Equity of 1.91 is 235.1% 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 Asia Commercial Joint Stock Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Asia Commercial Joint Stock Bank's current Debt-to-Equity is 1.91, which is 142% above median its own 10-year median of 0.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Asia Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Asia Commercial Joint Stock Bank (STC:ACB) is currently considered Fairly Valued. The stock's GF Value™ is ₫20,937.40, compared to a current price of ₫22,850.00 — trading 9.1% above its estimated fair value. The current Debt-to-Equity is 1.91, which is 142% above median its 10-year median of 0.79 and 235.1% above the Banks industry median of 0.57. Asia Commercial Joint Stock Bank's overall GF Score™ is 73/100 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 Asia Commercial Joint Stock Bank (STC:ACB), the current Debt-to-Equity is 1.91 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 Asia Commercial Joint Stock Bank (STC:ACB) Overvalued in 2026?
Based on GuruFocus' analysis, Asia Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of ₫22,850.00 is trading 9.1% above its estimated GF Value™ of ₫20,937.40.
GuruFocus considers Asia Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:ACB:
Debt-to-Equity: 1.91 (142% above median its 10-year median of 0.79)
GF Value™: ₫20,937.40 vs. price of ₫22,850.00 (9.1% above fair value)
Industry Position: 235.1% above the Banks median (#1194 of 1417)
No single metric tells the full story. See the STC:ACB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Asia Commercial Joint Stock Bank Business Description
Asia Commercial Joint Stock Bank and its subsidiaries (the Group) mobilise short, medium, and long-term funds, receive entrusted investment funds, borrow from financial institutions, grant loans, discount commercial papers and bonds, provide settlement services, trade foreign currencies and gold, offer trade finance, and perform approved overseas services. The Group also conducts debt factoring, bond trading, fiduciary activities, commodity derivatives, insurance agency, securities depository and clearing, finance leasing, securities trading and consultancy, corporate finance services, investment fund and asset management. Its segments are Banking, Securities trading, Asset management, Finance Leasing, and Fund Management, operating in the northern, central, and southern regions.
73GF Score
Get the complete analysis for STC:ACB
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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