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Phu Nhuan Jewelry JSCSTC:PNJ +6.89%96 Debt-to-Equity is 0.29 as of Jun. 2026, which is 3% below its 10-year median of 0.30. GuruFocus rates STC:PNJ with a GF Score™ of 96/100 and a GF Value™ of ₫78,528.15 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,017 Retail - Cyclical companies, Phu Nhuan Jewelry JSC ranks better than 69.12% 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 Phu Nhuan Jewelry JSC's Debt-to-Equity or its related term are showing as below:
STC:PNJ'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.02 Med: 0.3 Max: 1.01
Current: 0.29
During the past 13 years, the highest Debt-to-Equity Ratio of Phu Nhuan Jewelry JSC was 1.01. The lowest was 0.02. And the median was 0.30.
STC:PNJ's Debt-to-Equity is ranked better than 69.12% of 1017
companies
in the Retail - Cyclical industry
Industry Median: 0.56
vs STC:PNJ: 0.29
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.
Phu Nhuan Jewelry JSC Debt-to-Equity Related Terms
Phu Nhuan Jewelry JSC Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Phu Nhuan Jewelry JSC'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 Luxury Goods subindustry, Phu Nhuan Jewelry JSC'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.
Phu Nhuan Jewelry JSC Debt-to-Equity vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Phu Nhuan Jewelry JSC's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Phu Nhuan Jewelry JSC'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.
Phu Nhuan Jewelry JSC (STC:PNJ) has a Debt-to-Equity of 0.29 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Phu Nhuan Jewelry JSC and its competitors. This is near median its historical median of 0.30. Over the past decade, Phu Nhuan Jewelry JSC's Debt-to-Equity has ranged from 0.02 to 1.01. According to the industry distribution chart, Phu Nhuan Jewelry JSC ranks #314 out of 1017 companies in the Retail - Cyclical industry, placing it in the top 30.9%.
Is Phu Nhuan Jewelry JSC's Debt-to-Equity too high?
Phu Nhuan Jewelry JSC's current Debt-to-Equity of 0.29 is near median its 10-year median of 0.30. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 1.01. The Retail - Cyclical industry median Debt-to-Equity is 0.56. Phu Nhuan Jewelry JSC's value of 0.29 is 48.2% below this industry median. Based on the distribution chart, Phu Nhuan Jewelry JSC ranks #314 out of 1017 companies in the Retail - Cyclical industry, which is above the industry midpoint. Overall, Phu Nhuan Jewelry JSC has a GF Score™ of 96/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Phu Nhuan Jewelry JSC's Debt-to-Equity compare to TPR and SIG?
According to the Retail - Cyclical industry distribution chart, Phu Nhuan Jewelry JSC ranks #314 out of 1017 companies for Debt-to-Equity. This puts Phu Nhuan Jewelry JSC in the upper half of its industry. The industry median Debt-to-Equity is 0.56. Phu Nhuan Jewelry JSC's value of 0.29 is 48.2% below this benchmark. Historically, Phu Nhuan Jewelry JSC's own Debt-to-Equity has ranged from 0.02 to 1.01 over the past decade. While the company's 10-year median is 0.30 vs. the industry median of 0.56, Phu Nhuan Jewelry JSC 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 Retail - Cyclical company?
The median Debt-to-Equity among Retail - Cyclical companies is 0.56, based on 1,017 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. Phu Nhuan Jewelry JSC's current Debt-to-Equity of 0.29 is 48.2% 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 Phu Nhuan Jewelry JSC and its competitors. For the Retail - Cyclical industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Phu Nhuan Jewelry JSC's current Debt-to-Equity is 0.29, which is near median its own 10-year median of 0.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Phu Nhuan Jewelry JSC stock overvalued right now?
Based on GuruFocus' analysis, Phu Nhuan Jewelry JSC (STC:PNJ) is currently considered Significantly Undervalued. The stock's GF Value™ is ₫78,528.15, compared to a current price of ₫42,650.00 — trading 45.7% below its estimated fair value. The current Debt-to-Equity is 0.29, which is near median its 10-year median of 0.30 and 48.2% below the Retail - Cyclical industry median of 0.56. Phu Nhuan Jewelry JSC's overall GF Score™ is 96/100 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 Phu Nhuan Jewelry JSC (STC:PNJ), the current Debt-to-Equity is 0.29 as of Jun. 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 Phu Nhuan Jewelry JSC (STC:PNJ) Overvalued in 2026?
Based on GuruFocus' analysis, Phu Nhuan Jewelry JSC stock appears to be undervalued.
The current stock price of ₫42,650.00 is trading 45.7% below its estimated GF Value™ of ₫78,528.15.
GuruFocus considers Phu Nhuan Jewelry JSC to be Significantly Undervalued.
Key valuation signals for STC:PNJ:
Debt-to-Equity: 0.29 (near median its 10-year median of 0.30)
GF Value™: ₫78,528.15 vs. price of ₫42,650.00 (45.7% below fair value)
Industry Position: 48.2% below the Retail - Cyclical median (#314 of 1017)
No single metric tells the full story. See the STC:PNJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Phu Nhuan Jewelry JSC is engaged in the manufacturing and trading of gold, silver, jewelry, and gemstones, and imports and exports jewelry in gold, silver, and gemstones. The other activities are mainly trading accessories and jewelry inspection services. It offers products such as rings, earrings, bracelets, pendants, necklaces, etc., under different brands such as CAO Fine Jewellery, Mancode by PNJ, Style by PNJ, PNJArt, PNJ Silver and Accessories, and others. Geographically, the company conducts its operations only in Vietnam.
96GF Score
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