Erste Bank Polska (LTS:0DVR) Debt-to-Asset : 0.04 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

LTS:0DVR Erste Bank Polska SA LTS:0DVR
78 GF Score
Price zł395.55
GF Value zł322.59
Valuation Modestly Overvalued
! 9 Warning Signs
View Full Analysis

What is Erste Bank Polska Debt-to-Asset?

Erste Bank Polska LTS:0DVR 78 Debt-to-Asset is 0.04 as of Jun. 2026. GuruFocus rates LTS:0DVR with a GF Score™ of 78/100 and a GF Value™ of zł322.59 (Modestly Overvalued). The stock has 9 warning signs investors should review.

Erste Bank Polska's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was zł0 Mil. Erste Bank Polska's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was zł14,033 Mil. Erste Bank Polska's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was zł322,577 Mil. Erste Bank Polska's debt to asset for the quarter that ended in Jun. 2026 was 0.04.

Erste Bank Polska  (LTS:0DVR) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Erste Bank Polska Debt-to-Asset Related Terms

Erste Bank Polska Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Erste Bank Polska's Debt-to-Asset 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.

Erste Bank Polska Debt-to-Asset Chart

Erste Bank Polska Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.09 0.06 0.04 0.06 0.06

Erste Bank Polska Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.05 0.05 0.06 0.06 0.04

LTS:0DVR vs PNC: Debt-to-Asset Comparison

For the Banks - Regional subindustry, Erste Bank Polska's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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.

Erste Bank Polska Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Erste Bank Polska's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Erste Bank Polska's Debt-to-Asset falls into.


LTS:0DVR
78GF Score
Erste Bank Polska SA LTS:0DVR
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Erste Bank Polska Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Erste Bank Polska's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 17916.401) / 308150.077
=0.06

Erste Bank Polska's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 14033.382) / 322577.057
=0.04

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.04 mean?
Erste Bank Polska (LTS:0DVR) has a Debt-to-Asset of 0.04 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Erste Bank Polska and its competitors.
Is Erste Bank Polska's Debt-to-Asset too high?
Erste Bank Polska's current Debt-to-Asset is 0.04. Overall, Erste Bank Polska has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Erste Bank Polska's Debt-to-Asset compare to PNC?
Erste Bank Polska's Debt-to-Asset of 0.04 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Erste Bank Polska and its competitors. Erste Bank Polska's current Debt-to-Asset is 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erste Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, Erste Bank Polska (LTS:0DVR) is currently considered Modestly Overvalued. The stock's GF Value™ is zł322.59, compared to a current price of zł395.55 — trading 22.6% above its estimated fair value. The current Debt-to-Asset is 0.04. Erste Bank Polska's overall GF Score™ is 78/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Erste Bank Polska (LTS:0DVR), the current Debt-to-Asset is 0.04 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 Erste Bank Polska (LTS:0DVR) Overvalued in 2026?

Based on GuruFocus' analysis, Erste Bank Polska stock appears to be overvalued. The current stock price of zł395.55 is trading 22.6% above its estimated GF Value™ of zł322.59. GuruFocus considers Erste Bank Polska to be Modestly Overvalued.

Key valuation signals for LTS:0DVR:

  • Debt-to-Asset: 0.04
  • GF Value™: zł322.59 vs. price of zł395.55 (22.6% above fair value)
  • GF Score™: 78/100 with 9 warning signs

No single metric tells the full story. See the LTS:0DVR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Erste Bank Polska Business Description

Address Plac Europejski 3A, Warszawa, POL, 00-854
Erste Bank Polska SA is a commercial bank. It provides financial products and services such as Personal accounts, Payment cards, Loans, Savings and investments, and products for overseas customers.
78GF Score

Get the complete analysis for LTS:0DVR

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł395.55
Price
zł322.59
GF Value