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Evropi HoldingsATH:EVR -1.03%31 Debt-to-Equity is 0.13 as of Dec. 2025, which is 54% below its 10-year median of 0.28. GuruFocus rates ATH:EVR with a GF Score™ of 31/100 and a GF Value™ of €0.26 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 404 Insurance companies, Evropi Holdings ranks better than 63.86% 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 Evropi Holdings's Debt-to-Equity or its related term are showing as below:
ATH:EVR'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.13 Med: 0.28 Max: 0.67
Current: 0.13
During the past 13 years, the highest Debt-to-Equity Ratio of Evropi Holdings was 0.67. The lowest was 0.13. And the median was 0.28.
ATH:EVR's Debt-to-Equity is ranked better than 63.86% of 404
companies
in the Insurance industry
Industry Median: 0.2
vs ATH:EVR: 0.13
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.
Evropi Holdings Debt-to-Equity Related Terms
Evropi Holdings Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Evropi Holdings'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.
ATH:EVR vs MRSH, AON, AJG: Debt-to-Equity Comparison
For the Insurance Brokers subindustry, Evropi Holdings'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.
Evropi Holdings Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Evropi Holdings's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Evropi Holdings'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.
Evropi Holdings (ATH:EVR) has a Debt-to-Equity of 0.13 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Evropi Holdings and its competitors. This is 54% below median its historical median of 0.28. Over the past decade, Evropi Holdings' Debt-to-Equity has ranged from 0.13 to 0.67. According to the industry distribution chart, Evropi Holdings ranks #146 out of 404 companies in the Insurance industry, placing it in the top 36.1%.
Is Evropi Holdings' Debt-to-Equity too high?
Evropi Holdings' current Debt-to-Equity of 0.13 is 54% below median its 10-year median of 0.28. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 0.67. The Insurance industry median Debt-to-Equity is 0.20. Evropi Holdings' value of 0.13 is 35% below this industry median. Based on the distribution chart, Evropi Holdings ranks #146 out of 404 companies in the Insurance industry, which is above the industry midpoint. Overall, Evropi Holdings has a GF Score™ of 31/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Evropi Holdings' Debt-to-Equity compare to MRSH and AON?
According to the Insurance industry distribution chart, Evropi Holdings ranks #146 out of 404 companies for Debt-to-Equity. This puts Evropi Holdings in the upper half of its industry. The industry median Debt-to-Equity is 0.20. Evropi Holdings' value of 0.13 is 35% below this benchmark. Historically, Evropi Holdings' own Debt-to-Equity has ranged from 0.13 to 0.67 over the past decade. While the company's 10-year median is 0.28 vs. the industry median of 0.20, Evropi Holdings 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 an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 404 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. Evropi Holdings's current Debt-to-Equity of 0.13 is 35% 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 Evropi Holdings and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Evropi Holdings's current Debt-to-Equity is 0.13, which is 54% below median its own 10-year median of 0.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Evropi Holdings stock overvalued right now?
Based on GuruFocus' analysis, Evropi Holdings (ATH:EVR) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.26, compared to a current price of €1.72 — trading 562.3% above its estimated fair value. The current Debt-to-Equity is 0.13, which is 54% below median its 10-year median of 0.28 and 35% below the Insurance industry median of 0.20. Evropi Holdings' overall GF Score™ is 31/100 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 Evropi Holdings (ATH:EVR), the current Debt-to-Equity is 0.13 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 Evropi Holdings (ATH:EVR) Overvalued in 2026?
Based on GuruFocus' analysis, Evropi Holdings stock appears to be overvalued.
The current stock price of €1.72 is trading 562.3% above its estimated GF Value™ of €0.26.
GuruFocus considers Evropi Holdings to be Significantly Overvalued.
Key valuation signals for ATH:EVR:
Debt-to-Equity: 0.13 (54% below median its 10-year median of 0.28)
GF Value™: €0.26 vs. price of €1.72 (562.3% above fair value)
Industry Position: 35% below the Insurance median (#146 of 404)
No single metric tells the full story. See the ATH:EVR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Evropi Holdings SA operates in the insurance sector and the real estate development sector. Its insurance portfolio consists of Europe Insurance and NAK Insurance. Its Real estate portfolio consists of office buildings, warehouses, industrial, and Plots.
31GF Score
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