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J Trust CoSTU:4JT 67 Debt-to-Equity is 5.54 as of Jun. 2026, which is 1008% above its 10-year median of 0.50. GuruFocus rates STU:4JT with a GF Score™ of 67/100 and a GF Value™ of €1.43. The stock has 9 warning signs investors should review. Among 171 Diversified Financial Services companies, J Trust Co ranks worse than 71.35% 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 J Trust Co's Debt-to-Equity or its related term are showing as below:
STU:4JT'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.27 Med: 0.5 Max: 2.46
Current: 0.5
During the past 13 years, the highest Debt-to-Equity Ratio of J Trust Co was 2.46. The lowest was 0.27. And the median was 0.50.
STU:4JT's Debt-to-Equity is ranked worse than 71.35% of 171
companies
in the Diversified Financial Services industry
Industry Median: 0.17
vs STU:4JT: 0.50
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.
J Trust Co Debt-to-Equity Related Terms
J Trust Co Debt-to-Equity Historical Data
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The historical data trend for J Trust Co'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 Financial Conglomerates subindustry, J Trust Co'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.
J Trust Co Debt-to-Equity vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, J Trust Co's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where J Trust Co'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.
J Trust Co (STU:4JT) has a Debt-to-Equity of 5.54 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on J Trust Co and its competitors. This is 1008% above median its historical median of 0.50. Over the past decade, J Trust Co's Debt-to-Equity has ranged from 0.27 to 2.46. According to the industry distribution chart, J Trust Co ranks #122 out of 171 companies in the Diversified Financial Services industry, placing it in the top 71.3%.
Is J Trust Co's Debt-to-Equity too high?
J Trust Co's current Debt-to-Equity of 5.54 is 1008% above median its 10-year median of 0.50. Over the past 10 years, this metric has ranged from a low of 0.27 to a high of 2.46. The Diversified Financial Services industry median Debt-to-Equity is 0.17. J Trust Co's value of 5.54 is 3158.8% above this industry median. Based on the distribution chart, J Trust Co ranks #122 out of 171 companies in the Diversified Financial Services industry, which is below the industry midpoint. Overall, J Trust Co has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does J Trust Co's Debt-to-Equity compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, J Trust Co ranks #122 out of 171 companies for Debt-to-Equity. This places J Trust Co in the lower half of its industry. The industry median Debt-to-Equity is 0.17. J Trust Co's value of 5.54 is 3158.8% above this benchmark. Historically, J Trust Co's own Debt-to-Equity has ranged from 0.27 to 2.46 over the past decade. While the company's 10-year median is 0.50 vs. the industry median of 0.17, J Trust Co 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 Diversified Financial Services company?
The median Debt-to-Equity among Diversified Financial Services companies is 0.17, based on 171 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. J Trust Co's current Debt-to-Equity of 5.54 is 3158.8% 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 J Trust Co and its competitors. For the Diversified Financial Services industry, the median Debt-to-Equity is 0.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. J Trust Co's current Debt-to-Equity is 5.54, which is 1008% above median its own 10-year median of 0.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is J Trust Co stock overvalued right now?
J Trust Co (STU:4JT) has a current Debt-to-Equity of 5.54. The stock's GF Value™ is €1.43, compared to a current price of €2.30 — trading 60.8% above its estimated fair value. The current Debt-to-Equity is 5.54, which is 1008% above median its 10-year median of 0.50 and 3158.8% above the Diversified Financial Services industry median of 0.17. J Trust Co's overall GF Score™ is 67/100 with 9 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 J Trust Co (STU:4JT), the current Debt-to-Equity is 5.54 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 J Trust Co (STU:4JT) Overvalued in 2026?
Based on GuruFocus' analysis, J Trust Co stock appears to be overvalued.
The current stock price of €2.30 is trading 60.8% above its estimated GF Value™ of €1.43.
Key valuation signals for STU:4JT:
Debt-to-Equity: 5.54 (1008% above median its 10-year median of 0.50)
GF Value™: €1.43 vs. price of €2.30 (60.8% above fair value)
Industry Position: 3158.8% above the Diversified Financial Services median (#122 of 171)
No single metric tells the full story. See the STU:4JT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
J Trust Co Ltd is a Japan-based company that operates financial and nonfinancial businesses via several subsidiaries. The company's financial business includes a domestic financial business, which consists of credit guarantee, credit and consumer credit, collection of accounts receivable, and other financial services; a financial business in South Korea, which contains a savings bank business, capital business, and a collection of accounts receivable; and a financial business in Southeast Asia, which contains a banking business and a collection of accounts receivable. It's nonfinancial business includes a general entertainment business, a real estate business, an investment business, and other business. It generates around two thirds of its total revenue from its financial businesses.
67GF Score
Get the complete analysis for STU:4JT
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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