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Agricultural Development BankXGHA:ADB 66 Debt-to-Equity is 0.55 as of Mar. 2026, which is 10% below its 10-year median of 0.61. GuruFocus rates XGHA:ADB with a GF Score™ of 66/100 and a GF Value™ of GHS4.04 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,422 Banks companies, Agricultural Development Bank ranks better than 52.18% 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 Agricultural Development Bank's Debt-to-Equity or its related term are showing as below:
XGHA:ADB'
s Debt-to-Equity Range Over the Past 10 Years
Min: -10.35 Med: 0.61 Max: 1.6
Current: 0.55
During the past 11 years, the highest Debt-to-Equity Ratio of Agricultural Development Bank was 1.60. The lowest was -10.35. And the median was 0.61.
XGHA:ADB's Debt-to-Equity is ranked better than 52.18% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs XGHA:ADB: 0.55
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.
Agricultural Development Bank Debt-to-Equity Related Terms
Agricultural Development Bank 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.
Agricultural Development Bank Debt-to-Equity Chart
For the Banks - Regional subindustry, Agricultural Development 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.
Agricultural Development Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Agricultural Development Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Agricultural Development 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.
Agricultural Development Bank (XGHA:ADB) has a Debt-to-Equity of 0.55 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Agricultural Development Bank and its competitors. This is 10% below median its historical median of 0.61. According to the industry distribution chart, Agricultural Development Bank ranks #680 out of 1422 companies in the Banks industry, placing it in the top 47.8%.
Is Agricultural Development Bank's Debt-to-Equity too high?
Agricultural Development Bank's current Debt-to-Equity of 0.55 is 10% below median its 10-year median of 0.61. The Banks industry median Debt-to-Equity is 0.58. Agricultural Development Bank's value of 0.55 is 5.2% below this industry median. Based on the distribution chart, Agricultural Development Bank ranks #680 out of 1422 companies in the Banks industry, which is above the industry midpoint. Overall, Agricultural Development Bank has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Agricultural Development Bank's Debt-to-Equity compare to PNC?
According to the Banks industry distribution chart, Agricultural Development Bank ranks #680 out of 1422 companies for Debt-to-Equity. This puts Agricultural Development Bank in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Agricultural Development Bank's value of 0.55 is 5.2% below this benchmark. While the company's 10-year median is 0.61 vs. the industry median of 0.58, Agricultural Development 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 1,422 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. Agricultural Development Bank's current Debt-to-Equity of 0.55 is 5.2% 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 Agricultural Development 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. Agricultural Development Bank's current Debt-to-Equity is 0.55, which is 10% below median its own 10-year median of 0.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agricultural Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Agricultural Development Bank (XGHA:ADB) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS4.04, compared to a current price of GHS5.30 — trading 31.2% above its estimated fair value. The current Debt-to-Equity is 0.55, which is 10% below median its 10-year median of 0.61 and 5.2% below the Banks industry median of 0.58. Agricultural Development Bank's overall GF Score™ is 66/100 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 Agricultural Development Bank (XGHA:ADB), the current Debt-to-Equity is 0.55 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 Agricultural Development Bank (XGHA:ADB) Overvalued in 2026?
Based on GuruFocus' analysis, Agricultural Development Bank stock appears to be overvalued.
The current stock price of GHS5.30 is trading 31.2% above its estimated GF Value™ of GHS4.04.
GuruFocus considers Agricultural Development Bank to be Significantly Overvalued.
Key valuation signals for XGHA:ADB:
Debt-to-Equity: 0.55 (10% below median its 10-year median of 0.61)
GF Value™: GHS4.04 vs. price of GHS5.30 (31.2% above fair value)
Industry Position: 5.2% below the Banks median (#680 of 1422)
No single metric tells the full story. See the XGHA:ADB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Agricultural Development Bank Ltd is a universal bank offering a full range of banking products and services in Consumer, Corporate, Parastatals/Public Sector, SME, Agribusiness, Trade and E-Banking services. Its business focus is universal banking with a developmental focus on Agriculture and more. The company's operating segment includes Corporate Banking, Retail Banking, and Central Treasury. The majority of revenue is derived from the Retail Banking segment, which focuses on high-volume, standardized financial products and services such as loans and advances, deposits and other transactions with retail customers. Geographically, all revenues are generated in Ghana.
66GF Score
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