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San Jun Financial GroupTSE:7322 -5.37%42 Debt-to-Equity is 1.22 as of Mar. 2026, which is 6% above its 10-year median of 1.15. GuruFocus rates TSE:7322 with a GF Score™ of 42/100 and a GF Value™ of 円719.33 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,413 Banks companies, San Jun Financial Group ranks worse than 72.97% 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 Jun Financial Group's Debt-to-Equity or its related term are showing as below:
TSE:7322'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.49 Med: 1.15 Max: 2.52
Current: 1.22
During the past 8 years, the highest Debt-to-Equity Ratio of San Jun Financial Group was 2.52. The lowest was 0.49. And the median was 1.15.
TSE:7322's Debt-to-Equity is ranked worse than 72.97% of 1413
companies
in the Banks industry
Industry Median: 0.58
vs TSE:7322: 1.22
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 Jun Financial Group Debt-to-Equity Related Terms
San Jun Financial Group 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.
San Jun Financial Group Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, San Jun Financial Group'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 Jun Financial Group Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, San Jun Financial Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where San Jun Financial Group'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 Jun Financial Group (TSE:7322) has a Debt-to-Equity of 1.22 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on San Jun Financial Group and its competitors. This is near median its historical median of 1.15. Over the past decade, San Jun Financial Group's Debt-to-Equity has ranged from 0.49 to 2.52. According to the industry distribution chart, San Jun Financial Group ranks #1031 out of 1413 companies in the Banks industry, placing it in the top 73%.
Is San Jun Financial Group's Debt-to-Equity too high?
San Jun Financial Group's current Debt-to-Equity of 1.22 is near median its 10-year median of 1.15. Over the past 10 years, this metric has ranged from a low of 0.49 to a high of 2.52. The Banks industry median Debt-to-Equity is 0.58. San Jun Financial Group's value of 1.22 is 110.3% above this industry median. Based on the distribution chart, San Jun Financial Group ranks #1031 out of 1413 companies in the Banks industry, which is below the industry midpoint. Overall, San Jun Financial Group has a GF Score™ of 42/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does San Jun Financial Group's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, San Jun Financial Group ranks #1031 out of 1413 companies for Debt-to-Equity. This places San Jun Financial Group in the lower half of its industry. The industry median Debt-to-Equity is 0.58. San Jun Financial Group's value of 1.22 is 110.3% above this benchmark. Historically, San Jun Financial Group's own Debt-to-Equity has ranged from 0.49 to 2.52 over the past decade. While the company's 10-year median is 1.15 vs. the industry median of 0.58, San Jun Financial Group 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 1,413 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 Jun Financial Group's current Debt-to-Equity of 1.22 is 110.3% 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 Jun Financial Group 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 Jun Financial Group's current Debt-to-Equity is 1.22, which is near median its own 10-year median of 1.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is San Jun Financial Group stock overvalued right now?
Based on GuruFocus' analysis, San Jun Financial Group (TSE:7322) is currently considered Significantly Overvalued. The stock's GF Value™ is 円719.33, compared to a current price of 円2,132.00 — trading 196.4% above its estimated fair value. The current Debt-to-Equity is 1.22, which is near median its 10-year median of 1.15 and 110.3% above the Banks industry median of 0.58. San Jun Financial Group's overall GF Score™ is 42/100 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 Jun Financial Group (TSE:7322), the current Debt-to-Equity is 1.22 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 Jun Financial Group (TSE:7322) Overvalued in 2026?
Based on GuruFocus' analysis, San Jun Financial Group stock appears to be overvalued.
The current stock price of 円2,132.00 is trading 196.4% above its estimated GF Value™ of 円719.33.
GuruFocus considers San Jun Financial Group to be Significantly Overvalued.
Key valuation signals for TSE:7322:
Debt-to-Equity: 1.22 (near median its 10-year median of 1.15)
GF Value™: 円719.33 vs. price of 円2,132.00 (196.4% above fair value)
Industry Position: 110.3% above the Banks median (#1031 of 1413)
No single metric tells the full story. See the TSE:7322 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
San Ju San Financial Group Inc is engaged in providing financial services. The business of the company includes management of banks and companies that are permitted to be owned by the company as subsidiaries.
42GF Score
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