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Ehime BankTSE:8541 +3.04%44 Debt-to-Equity is 0.46 as of Mar. 2026, which is 8% below its 10-year median of 0.50. GuruFocus rates TSE:8541 with a GF Score™ of 44/100 and a GF Value™ of 円1,253.60 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,413 Banks companies, Ehime Bank ranks better than 60.23% 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 Ehime Bank's Debt-to-Equity or its related term are showing as below:
TSE:8541'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.37 Med: 0.5 Max: 0.95
Current: 0.42
During the past 13 years, the highest Debt-to-Equity Ratio of Ehime Bank was 0.95. The lowest was 0.37. And the median was 0.50.
TSE:8541's Debt-to-Equity is ranked better than 60.23% of 1413
companies
in the Banks industry
Industry Median: 0.58
vs TSE:8541: 0.42
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.
Ehime Bank Debt-to-Equity Related Terms
Ehime Bank Debt-to-Equity Historical Data
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The historical data trend for Ehime Bank'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 Banks - Regional subindustry, Ehime Bank'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.
Ehime Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Ehime Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Ehime Bank'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.
Ehime Bank (TSE:8541) has a Debt-to-Equity of 0.46 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Ehime Bank and its competitors. This is near median its historical median of 0.50. Over the past decade, Ehime Bank's Debt-to-Equity has ranged from 0.37 to 0.95. According to the industry distribution chart, Ehime Bank ranks #562 out of 1413 companies in the Banks industry, placing it in the top 39.8%.
Is Ehime Bank's Debt-to-Equity too high?
Ehime Bank's current Debt-to-Equity of 0.46 is near median its 10-year median of 0.50. Over the past 10 years, this metric has ranged from a low of 0.37 to a high of 0.95. The Banks industry median Debt-to-Equity is 0.58. Ehime Bank's value of 0.46 is 20.7% below this industry median. Based on the distribution chart, Ehime Bank ranks #562 out of 1413 companies in the Banks industry, which is above the industry midpoint. Overall, Ehime Bank has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ehime Bank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Ehime Bank ranks #562 out of 1413 companies for Debt-to-Equity. This puts Ehime Bank in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Ehime Bank's value of 0.46 is 20.7% below this benchmark. Historically, Ehime Bank's own Debt-to-Equity has ranged from 0.37 to 0.95 over the past decade. While the company's 10-year median is 0.50 vs. the industry median of 0.58, Ehime Bank 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 1,413 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. Ehime Bank's current Debt-to-Equity of 0.46 is 20.7% 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 Ehime Bank 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. Ehime Bank's current Debt-to-Equity is 0.46, which is near 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 Ehime Bank stock overvalued right now?
Based on GuruFocus' analysis, Ehime Bank (TSE:8541) is currently considered Significantly Overvalued. The stock's GF Value™ is 円1,253.60, compared to a current price of 円3,215.00 — trading 156.5% above its estimated fair value. The current Debt-to-Equity is 0.46, which is near median its 10-year median of 0.50 and 20.7% below the Banks industry median of 0.58. Ehime Bank's overall GF Score™ is 44/100 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 Ehime Bank (TSE:8541), the current Debt-to-Equity is 0.46 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 Ehime Bank (TSE:8541) Overvalued in 2026?
Based on GuruFocus' analysis, Ehime Bank stock appears to be overvalued.
The current stock price of 円3,215.00 is trading 156.5% above its estimated GF Value™ of 円1,253.60.
GuruFocus considers Ehime Bank to be Significantly Overvalued.
Key valuation signals for TSE:8541:
Debt-to-Equity: 0.46 (near median its 10-year median of 0.50)
GF Value™: 円1,253.60 vs. price of 円3,215.00 (156.5% above fair value)
Industry Position: 20.7% below the Banks median (#562 of 1413)
No single metric tells the full story. See the TSE:8541 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ehime Bank Ltd is engaged in the provision of banking products and financial services in Japan. The bank offers deposits such as time, savings and property, savings and current accounts, and loans. In addition, it offers various insurance services including term and life, property, corporate business and medical insurance. The bank also renders services comprising of mutual fund, government bond, and other financial product brokerage business.
44GF Score
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