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The Bank of NagoyaTSE:8522 -1.65%56 Debt-to-Equity is 1.21 as of Mar. 2026, which is 3% below its 10-year median of 1.25. GuruFocus rates TSE:8522 with a GF Score™ of 56/100 and a GF Value™ of 円2,952.93 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,411 Banks companies, The Bank of Nagoya ranks worse than 72.79% 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 The Bank of Nagoya's Debt-to-Equity or its related term are showing as below:
TSE:8522'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.3 Med: 1.25 Max: 2.73
Current: 1.2
During the past 13 years, the highest Debt-to-Equity Ratio of The Bank of Nagoya was 2.73. The lowest was 0.30. And the median was 1.25.
TSE:8522's Debt-to-Equity is ranked worse than 72.79% of 1411
companies
in the Banks industry
Industry Median: 0.58
vs TSE:8522: 1.20
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.
The Bank of Nagoya Debt-to-Equity Related Terms
The Bank of Nagoya Debt-to-Equity Historical Data
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The historical data trend for The Bank of Nagoya'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.
The Bank of Nagoya Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, The Bank of Nagoya'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.
The Bank of Nagoya Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, The Bank of Nagoya's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where The Bank of Nagoya'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.
The Bank of Nagoya (TSE:8522) has a Debt-to-Equity of 1.21 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on The Bank of Nagoya and its competitors. This is near median its historical median of 1.25. Over the past decade, The Bank of Nagoya's Debt-to-Equity has ranged from 0.30 to 2.73. According to the industry distribution chart, The Bank of Nagoya ranks #1027 out of 1411 companies in the Banks industry, placing it in the top 72.8%.
Is The Bank of Nagoya's Debt-to-Equity too high?
The Bank of Nagoya's current Debt-to-Equity of 1.21 is near median its 10-year median of 1.25. Over the past 10 years, this metric has ranged from a low of 0.30 to a high of 2.73. The Banks industry median Debt-to-Equity is 0.58. The Bank of Nagoya's value of 1.21 is 108.6% above this industry median. Based on the distribution chart, The Bank of Nagoya ranks #1027 out of 1411 companies in the Banks industry, which is below the industry midpoint. Overall, The Bank of Nagoya has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The Bank of Nagoya's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, The Bank of Nagoya ranks #1027 out of 1411 companies for Debt-to-Equity. This places The Bank of Nagoya in the lower half of its industry. The industry median Debt-to-Equity is 0.58. The Bank of Nagoya's value of 1.21 is 108.6% above this benchmark. Historically, The Bank of Nagoya's own Debt-to-Equity has ranged from 0.30 to 2.73 over the past decade. While the company's 10-year median is 1.25 vs. the industry median of 0.58, The Bank of Nagoya 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 1,411 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. The Bank of Nagoya's current Debt-to-Equity of 1.21 is 108.6% 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 The Bank of Nagoya 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. The Bank of Nagoya's current Debt-to-Equity is 1.21, which is near median its own 10-year median of 1.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Bank of Nagoya stock overvalued right now?
Based on GuruFocus' analysis, The Bank of Nagoya (TSE:8522) is currently considered Significantly Overvalued. The stock's GF Value™ is 円2,952.93, compared to a current price of 円7,140.00 — trading 141.8% above its estimated fair value. The current Debt-to-Equity is 1.21, which is near median its 10-year median of 1.25 and 108.6% above the Banks industry median of 0.58. The Bank of Nagoya's overall GF Score™ is 56/100 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 The Bank of Nagoya (TSE:8522), the current Debt-to-Equity is 1.21 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 The Bank of Nagoya (TSE:8522) Overvalued in 2026?
Based on GuruFocus' analysis, The Bank of Nagoya stock appears to be overvalued.
The current stock price of 円7,140.00 is trading 141.8% above its estimated GF Value™ of 円2,952.93.
GuruFocus considers The Bank of Nagoya to be Significantly Overvalued.
Key valuation signals for TSE:8522:
Debt-to-Equity: 1.21 (near median its 10-year median of 1.25)
GF Value™: 円2,952.93 vs. price of 円7,140.00 (141.8% above fair value)
Industry Position: 108.6% above the Banks median (#1027 of 1411)
No single metric tells the full story. See the TSE:8522 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The Bank of Nagoya Ltd is a Japanese regional bank with an operational presence primarily in Nagoya City and the greater Aichi Prefecture. The bank's reporting segments include banking, leasing, and a credit card business. The company's banking business involves loans and deposits, domestic and foreign exchange transactions, securities investments, trading of trading account securities, and the underwriting and registration of corporate bonds. Its leasing business involves mostly comprehensive finance leasing. A plurality of the bank's income comes from loans, followed by leasing.
56GF Score
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