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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 Hokuhoku Financial Group's Debt-to-Equity or its related term are showing as below:
TSE:8377'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.66 Med: 1.65 Max: 4.73
Current: 1.4
During the past 13 years, the highest Debt-to-Equity Ratio of Hokuhoku Financial Group was 4.73. The lowest was 0.66. And the median was 1.65.
TSE:8377's Debt-to-Equity is ranked worse than 77.23% of 1414
companies
in the Banks industry
Industry Median: 0.58
vs TSE:8377: 1.40
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.
Hokuhoku Financial Group Debt-to-Equity Related Terms
Hokuhoku 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.
Hokuhoku Financial Group Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Hokuhoku 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.
Hokuhoku Financial Group Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Hokuhoku Financial Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Hokuhoku 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.
Hokuhoku Financial Group (TSE:8377) has a Debt-to-Equity of 1.59 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Hokuhoku Financial Group and its competitors. This is near median its historical median of 1.65. Over the past decade, Hokuhoku Financial Group's Debt-to-Equity has ranged from 0.66 to 4.73. According to the industry distribution chart, Hokuhoku Financial Group ranks #1092 out of 1414 companies in the Banks industry, placing it in the top 77.2%.
Is Hokuhoku Financial Group's Debt-to-Equity too high?
Hokuhoku Financial Group's current Debt-to-Equity of 1.59 is near median its 10-year median of 1.65. Over the past 10 years, this metric has ranged from a low of 0.66 to a high of 4.73. The Banks industry median Debt-to-Equity is 0.58. Hokuhoku Financial Group's value of 1.59 is 174.1% above this industry median. Based on the distribution chart, Hokuhoku Financial Group ranks #1092 out of 1414 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Hokuhoku Financial Group has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hokuhoku Financial Group's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Hokuhoku Financial Group ranks #1092 out of 1414 companies for Debt-to-Equity. This places Hokuhoku Financial Group in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Hokuhoku Financial Group's value of 1.59 is 174.1% above this benchmark. Historically, Hokuhoku Financial Group's own Debt-to-Equity has ranged from 0.66 to 4.73 over the past decade. While the company's 10-year median is 1.65 vs. the industry median of 0.58, Hokuhoku 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 1,414 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. Hokuhoku Financial Group's current Debt-to-Equity of 1.59 is 174.1% 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 Hokuhoku 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. Hokuhoku Financial Group's current Debt-to-Equity is 1.59, which is near median its own 10-year median of 1.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hokuhoku Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Hokuhoku Financial Group (TSE:8377) is currently considered Significantly Overvalued. The stock's GF Value™ is 円3,052.38, compared to a current price of 円8,335.00 — trading 173.1% above its estimated fair value. The current Debt-to-Equity is 1.59, which is near median its 10-year median of 1.65 and 174.1% above the Banks industry median of 0.58. Hokuhoku Financial Group's overall GF Score™ is 47/100 with 5 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 Hokuhoku Financial Group (TSE:8377), the current Debt-to-Equity is 1.59 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 Hokuhoku Financial Group (TSE:8377) Overvalued in 2026?
Based on GuruFocus' analysis, Hokuhoku Financial Group stock appears to be overvalued.
The current stock price of 円8,335.00 is trading 173.1% above its estimated GF Value™ of 円3,052.38.
GuruFocus considers Hokuhoku Financial Group to be Significantly Overvalued.
Key valuation signals for TSE:8377:
Debt-to-Equity: 1.59 (near median its 10-year median of 1.65)
GF Value™: 円3,052.38 vs. price of 円8,335.00 (173.1% above fair value)
Industry Position: 174.1% above the Banks median (#1092 of 1414)
No single metric tells the full story. See the TSE:8377 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hokuhoku Financial Group Inc is a Japan-based company that is principally engaged in banking and the provision of other financial services. The company was established through the integration of Hokuriku Bank and Hokkaido Bank. The company operates mainly through the branch networks of Hokuriku Bank and Hokkaido Bank in certain areas of Japan. Its business is concentrated in Japan, with the majority of revenue generated from the domestic market. The company also has a business presence in overseas cities such as Shanghai, Shenyang, Dalian, Bangkok, Singapore, London, and New York.
47GF Score
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