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Bank of The RyukyusLtdTSE:8399 +1.70%44 Debt-to-Equity is 0.11 as of Mar. 2026, which is 65% below its 10-year median of 0.31. GuruFocus rates TSE:8399 with a GF Score™ of 44/100 and a GF Value™ of 円944.06 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,414 Banks companies, Bank of The RyukyusLtd ranks better than 88.83% 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 Bank of The RyukyusLtd's Debt-to-Equity or its related term are showing as below:
TSE:8399'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.11 Med: 0.31 Max: 2.21
Current: 0.1
During the past 13 years, the highest Debt-to-Equity Ratio of Bank of The RyukyusLtd was 2.21. The lowest was 0.11. And the median was 0.31.
TSE:8399's Debt-to-Equity is ranked better than 88.83% of 1414
companies
in the Banks industry
Industry Median: 0.58
vs TSE:8399: 0.10
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.
Bank of The RyukyusLtd Debt-to-Equity Related Terms
Bank of The RyukyusLtd Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Bank of The RyukyusLtd'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.
Bank of The RyukyusLtd Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Bank of The RyukyusLtd'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.
Bank of The RyukyusLtd Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bank of The RyukyusLtd's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Bank of The RyukyusLtd'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.
Bank of The RyukyusLtd (TSE:8399) has a Debt-to-Equity of 0.11 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Bank of The RyukyusLtd and its competitors. This is 65% below median its historical median of 0.31. Over the past decade, Bank of The RyukyusLtd's Debt-to-Equity has ranged from 0.11 to 2.21. According to the industry distribution chart, Bank of The RyukyusLtd ranks #158 out of 1414 companies in the Banks industry, placing it in the top 11.2%.
Is Bank of The RyukyusLtd's Debt-to-Equity too high?
Bank of The RyukyusLtd's current Debt-to-Equity of 0.11 is 65% below median its 10-year median of 0.31. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 2.21. The Banks industry median Debt-to-Equity is 0.58. Bank of The RyukyusLtd's value of 0.11 is 81% below this industry median. Based on the distribution chart, Bank of The RyukyusLtd ranks #158 out of 1414 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank of The RyukyusLtd has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of The RyukyusLtd's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Bank of The RyukyusLtd ranks #158 out of 1414 companies for Debt-to-Equity. This places Bank of The RyukyusLtd in the top 11% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Bank of The RyukyusLtd's value of 0.11 is 81% below this benchmark. Historically, Bank of The RyukyusLtd's own Debt-to-Equity has ranged from 0.11 to 2.21 over the past decade. While the company's 10-year median is 0.31 vs. the industry median of 0.58, Bank of The RyukyusLtd 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 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. Bank of The RyukyusLtd's current Debt-to-Equity of 0.11 is 81% 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 Bank of The RyukyusLtd 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. Bank of The RyukyusLtd's current Debt-to-Equity is 0.11, which is 65% below median its own 10-year median of 0.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of The RyukyusLtd stock overvalued right now?
Based on GuruFocus' analysis, Bank of The RyukyusLtd (TSE:8399) is currently considered Significantly Overvalued. The stock's GF Value™ is 円944.06, compared to a current price of 円3,290.00 — trading 248.5% above its estimated fair value. The current Debt-to-Equity is 0.11, which is 65% below median its 10-year median of 0.31 and 81% below the Banks industry median of 0.58. Bank of The RyukyusLtd's overall GF Score™ is 44/100 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 Bank of The RyukyusLtd (TSE:8399), the current Debt-to-Equity is 0.11 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 Bank of The RyukyusLtd (TSE:8399) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of The RyukyusLtd stock appears to be overvalued.
The current stock price of 円3,290.00 is trading 248.5% above its estimated GF Value™ of 円944.06.
GuruFocus considers Bank of The RyukyusLtd to be Significantly Overvalued.
Key valuation signals for TSE:8399:
Debt-to-Equity: 0.11 (65% below median its 10-year median of 0.31)
GF Value™: 円944.06 vs. price of 円3,290.00 (248.5% above fair value)
Industry Position: 81% below the Banks median (#158 of 1414)
No single metric tells the full story. See the TSE:8399 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of The RyukyusLtd is a banking and financial services group operating primarily in the Okinawa Prefecture. It was founded during the post-World War II era by ordinance of the U.S. military government for purposes of restoring financial order and stabilizing the currency given the region's importance. At present, it continues its regional strategic-orientation and provides a host of financial services to consumers and small to medium-size businesses in tourism-dependent Okinawa. These include general leasing, housing loans, debt guaranty, insurance, cash inspection and dispensing, credit cards and financing, clerical services, and surveys and research.
44GF Score
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