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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 Banco Internacional's Debt-to-Equity or its related term are showing as below:
XSGO:BINT'
s Debt-to-Equity Range Over the Past 10 Years
Min: 1.08 Med: 4.63 Max: 5.62
Current: 4.42
During the past 12 years, the highest Debt-to-Equity Ratio of Banco Internacional was 5.62. The lowest was 1.08. And the median was 4.63.
XSGO:BINT's Debt-to-Equity is ranked worse than 96.18% of 1413
companies
in the Banks industry
Industry Median: 0.58
vs XSGO:BINT: 4.42
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.
Banco Internacional Debt-to-Equity Related Terms
Banco Internacional Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Banco Internacional'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, Banco Internacional'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.
Banco Internacional Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Banco Internacional's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Banco Internacional'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.
Banco Internacional (XSGO:BINT) has a Debt-to-Equity of 4.42 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Banco Internacional and its competitors. This is near median its historical median of 4.63. Over the past decade, Banco Internacional's Debt-to-Equity has ranged from 1.08 to 5.62. According to the industry distribution chart, Banco Internacional ranks #1359 out of 1413 companies in the Banks industry, placing it in the top 96.2%.
Is Banco Internacional's Debt-to-Equity too high?
Banco Internacional's current Debt-to-Equity of 4.42 is near median its 10-year median of 4.63. Over the past 10 years, this metric has ranged from a low of 1.08 to a high of 5.62. The Banks industry median Debt-to-Equity is 0.58. Banco Internacional's value of 4.42 is 662.1% above this industry median. Based on the distribution chart, Banco Internacional ranks #1359 out of 1413 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Banco Internacional has a GF Score™ of 48/100, reflecting its overall financial health beyond just this single metric.
How does Banco Internacional's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Banco Internacional ranks #1359 out of 1413 companies for Debt-to-Equity. This places Banco Internacional in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Banco Internacional's value of 4.42 is 662.1% above this benchmark. Historically, Banco Internacional's own Debt-to-Equity has ranged from 1.08 to 5.62 over the past decade. While the company's 10-year median is 4.63 vs. the industry median of 0.58, Banco Internacional 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 1,413 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. Banco Internacional's current Debt-to-Equity of 4.42 is 662.1% 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 Banco Internacional 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. Banco Internacional's current Debt-to-Equity is 4.42, which is near median its own 10-year median of 4.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Internacional stock overvalued right now?
Banco Internacional (XSGO:BINT) has a current Debt-to-Equity of 4.42. The stock's GF Value™ is CLP89.78, compared to a current price of CLP122.39 — trading 36.3% above its estimated fair value. The current Debt-to-Equity is 4.42, which is near median its 10-year median of 4.63 and 662.1% above the Banks industry median of 0.58. Banco Internacional's overall GF Score™ is 48/100 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 Banco Internacional (XSGO:BINT), the current Debt-to-Equity is 4.42 as of Dec. 2025. 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 Banco Internacional (XSGO:BINT) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Internacional stock appears to be overvalued.
The current stock price of CLP122.39 is trading 36.3% above its estimated GF Value™ of CLP89.78.
Key valuation signals for XSGO:BINT:
Debt-to-Equity: 4.42 (near median its 10-year median of 4.63)
GF Value™: CLP89.78 vs. price of CLP122.39 (36.3% above fair value)
Industry Position: 662.1% above the Banks median (#1359 of 1413)
No single metric tells the full story. See the XSGO:BINT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Internacional is engaged in providing banking products and services including retail & corporate banking including current accounts, insurance, leasing, factoring, money market and agricultural banking. It also provides mortgage credit, consumer credit, and online bank service. The operating segments of the company are: Commercial Banking; Personal Banking; and Treasury and Investments.
48GF Score
Get the complete analysis for XSGO:BINT
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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