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Republic Bank (Ghana)XGHA:RBGH -3.75%30 Debt-to-Equity is 1.69 as of Jun. 2026, which is 483% above its 10-year median of 0.29. GuruFocus rates XGHA:RBGH with a GF Score™ of 30/100 and a GF Value™ of GHS1.08 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,410 Banks companies, Republic Bank (Ghana) ranks worse than 81.28% 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 Republic Bank (Ghana)'s Debt-to-Equity or its related term are showing as below:
XGHA:RBGH'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.05 Med: 0.29 Max: 1.75
Current: 1.69
During the past 13 years, the highest Debt-to-Equity Ratio of Republic Bank (Ghana) was 1.75. The lowest was 0.05. And the median was 0.29.
XGHA:RBGH's Debt-to-Equity is ranked worse than 81.28% of 1410
companies
in the Banks industry
Industry Median: 0.58
vs XGHA:RBGH: 1.69
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.
Republic Bank (Ghana) Debt-to-Equity Related Terms
Republic Bank (Ghana) Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Republic Bank (Ghana)'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.
Republic Bank (Ghana) Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Republic Bank (Ghana)'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.
Republic Bank (Ghana) Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Republic Bank (Ghana)'s Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Republic Bank (Ghana)'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.
Republic Bank (Ghana) (XGHA:RBGH) has a Debt-to-Equity of 1.69 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Republic Bank (Ghana) and its competitors. This is 483% above median its historical median of 0.29. Over the past decade, Republic Bank (Ghana)'s Debt-to-Equity has ranged from 0.05 to 1.75. According to the industry distribution chart, Republic Bank (Ghana) ranks #1146 out of 1410 companies in the Banks industry, placing it in the top 81.3%.
Is Republic Bank (Ghana)'s Debt-to-Equity too high?
Republic Bank (Ghana)'s current Debt-to-Equity of 1.69 is 483% above median its 10-year median of 0.29. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 1.75. The Banks industry median Debt-to-Equity is 0.58. Republic Bank (Ghana)'s value of 1.69 is 191.4% above this industry median. Based on the distribution chart, Republic Bank (Ghana) ranks #1146 out of 1410 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Republic Bank (Ghana) has a GF Score™ of 30/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Republic Bank (Ghana)'s Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Republic Bank (Ghana) ranks #1146 out of 1410 companies for Debt-to-Equity. This places Republic Bank (Ghana) in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Republic Bank (Ghana)'s value of 1.69 is 191.4% above this benchmark. Historically, Republic Bank (Ghana)'s own Debt-to-Equity has ranged from 0.05 to 1.75 over the past decade. While the company's 10-year median is 0.29 vs. the industry median of 0.58, Republic Bank (Ghana) 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 1,410 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. Republic Bank (Ghana)'s current Debt-to-Equity of 1.69 is 191.4% 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 Republic Bank (Ghana) 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. Republic Bank (Ghana)'s current Debt-to-Equity is 1.69, which is 483% above median its own 10-year median of 0.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Republic Bank (Ghana) stock overvalued right now?
Based on GuruFocus' analysis, Republic Bank (Ghana) (XGHA:RBGH) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS1.08, compared to a current price of GHS3.85 — trading 256.5% above its estimated fair value. The current Debt-to-Equity is 1.69, which is 483% above median its 10-year median of 0.29 and 191.4% above the Banks industry median of 0.58. Republic Bank (Ghana)'s overall GF Score™ is 30/100 with 3 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 Republic Bank (Ghana) (XGHA:RBGH), the current Debt-to-Equity is 1.69 as of Jun. 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 Republic Bank (Ghana) (XGHA:RBGH) Overvalued in 2026?
Based on GuruFocus' analysis, Republic Bank (Ghana) stock appears to be overvalued.
The current stock price of GHS3.85 is trading 256.5% above its estimated GF Value™ of GHS1.08.
GuruFocus considers Republic Bank (Ghana) to be Significantly Overvalued.
Key valuation signals for XGHA:RBGH:
Debt-to-Equity: 1.69 (483% above median its 10-year median of 0.29)
GF Value™: GHS1.08 vs. price of GHS3.85 (256.5% above fair value)
Industry Position: 191.4% above the Banks median (#1146 of 1410)
No single metric tells the full story. See the XGHA:RBGH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Republic Bank (Ghana) PLC is engaged in investment banking, corporate banking, retail banking, mortgage banking, asset management services, and property management and development. The Group operates through four reporting segments: retail banking, which incorporates private banking services, private customer current accounts, savings, deposits, investment savings products, custody, credit, and consumer loans; mortgage banking, which incorporates mortgage services; corporate banking, which generates maximum revenue and incorporates direct debit facilities, current accounts, deposits, overdrafts, loans, and foreign currency; and microfinance banking, which incorporates savings accounts, deposits, loans, and other credit facilities.
30GF Score
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