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Standard Chartered Bank GhanaXGHA:SCB 67 Debt-to-Equity is 0.12 as of Mar. 2026, which is 40% below its 10-year median of 0.20. GuruFocus rates XGHA:SCB with a GF Score™ of 67/100 and a GF Value™ of GHS36.37 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,418 Banks companies, Standard Chartered Bank Ghana ranks better than 85.4% 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 Standard Chartered Bank Ghana's Debt-to-Equity or its related term are showing as below:
XGHA:SCB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.05 Med: 0.2 Max: 0.62
Current: 0.12
During the past 13 years, the highest Debt-to-Equity Ratio of Standard Chartered Bank Ghana was 0.62. The lowest was 0.05. And the median was 0.20.
XGHA:SCB's Debt-to-Equity is ranked better than 85.4% of 1418
companies
in the Banks industry
Industry Median: 0.57
vs XGHA:SCB: 0.12
Standard Chartered Bank Ghana (XGHA:SCB) Debt-to-Equity Explanation
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.
Standard Chartered Bank Ghana Debt-to-Equity Related Terms
Standard Chartered Bank Ghana 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.
Standard Chartered Bank Ghana Debt-to-Equity Chart
For the Banks - Regional subindustry, Standard Chartered 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.
Standard Chartered Bank Ghana Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Standard Chartered Bank Ghana's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Standard Chartered 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.
Standard Chartered Bank Ghana (XGHA:SCB) has a Debt-to-Equity of 0.12 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Standard Chartered Bank Ghana and its competitors. This is 40% below median its historical median of 0.20. Over the past decade, Standard Chartered Bank Ghana's Debt-to-Equity has ranged from 0.05 to 0.62. According to the industry distribution chart, Standard Chartered Bank Ghana ranks #207 out of 1418 companies in the Banks industry, placing it in the top 14.6%.
Is Standard Chartered Bank Ghana's Debt-to-Equity too high?
Standard Chartered Bank Ghana's current Debt-to-Equity of 0.12 is 40% below median its 10-year median of 0.20. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.62. The Banks industry median Debt-to-Equity is 0.57. Standard Chartered Bank Ghana's value of 0.12 is 78.9% below this industry median. Based on the distribution chart, Standard Chartered Bank Ghana ranks #207 out of 1418 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Standard Chartered Bank Ghana has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Chartered Bank Ghana's Debt-to-Equity compare to PNC?
According to the Banks industry distribution chart, Standard Chartered Bank Ghana ranks #207 out of 1418 companies for Debt-to-Equity. This places Standard Chartered Bank Ghana in the top 15% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.57. Standard Chartered Bank Ghana's value of 0.12 is 78.9% below this benchmark. Historically, Standard Chartered Bank Ghana's own Debt-to-Equity has ranged from 0.05 to 0.62 over the past decade. While the company's 10-year median is 0.20 vs. the industry median of 0.57, Standard Chartered Bank Ghana 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 0.57, based on 1,418 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. Standard Chartered Bank Ghana's current Debt-to-Equity of 0.12 is 78.9% 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 Standard Chartered Bank Ghana and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Chartered Bank Ghana's current Debt-to-Equity is 0.12, which is 40% below median its own 10-year median of 0.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Chartered Bank Ghana stock overvalued right now?
Based on GuruFocus' analysis, Standard Chartered Bank Ghana (XGHA:SCB) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS36.37, compared to a current price of GHS70.00 — trading 92.5% above its estimated fair value. The current Debt-to-Equity is 0.12, which is 40% below median its 10-year median of 0.20 and 78.9% below the Banks industry median of 0.57. Standard Chartered Bank Ghana's overall GF Score™ is 67/100 with 2 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 Standard Chartered Bank Ghana (XGHA:SCB), the current Debt-to-Equity is 0.12 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 Standard Chartered Bank Ghana (XGHA:SCB) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Chartered Bank Ghana stock appears to be overvalued.
The current stock price of GHS70.00 is trading 92.5% above its estimated GF Value™ of GHS36.37.
GuruFocus considers Standard Chartered Bank Ghana to be Significantly Overvalued.
Key valuation signals for XGHA:SCB:
Debt-to-Equity: 0.12 (40% below median its 10-year median of 0.20)
GF Value™: GHS36.37 vs. price of GHS70.00 (92.5% above fair value)
Industry Position: 78.9% below the Banks median (#207 of 1418)
No single metric tells the full story. See the XGHA:SCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Standard Chartered Bank Ghana Business Description
Standard Chartered Bank Ghana PLC is a banking corporation registered in Ghana. It provides various banking services including personal banking, private banking, and business banking. The company manages its business into three segments namely, Corporate & Investment Banking, Wealth & Retail Banking, Ventures and Central & Other Items. The company's services include savings, loans, mortgages, credit cards, insurance, and investment opportunities for individual customers. It focuses on offering financial solutions to small-medium enterprises, corporates, and financial institutions. Geographically, it operates in Hong Kong, Korea, China, Singapore, UK, and U.S.
67GF Score
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