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Bawag Group AGBAWAY +0.35%60 Debt-to-Equity is 4.05 as of Jun. 2026, which is 130% above its 10-year median of 1.76. GuruFocus rates BAWAY with a GF Score™ of 60/100 and a GF Value™ of $38.40 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,422 Banks companies, Bawag Group AG ranks worse than 95.36% 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 Bawag Group AG's Debt-to-Equity or its related term are showing as below:
BAWAY'
s Debt-to-Equity Range Over the Past 10 Years
Min: 1.1 Med: 1.76 Max: 4.05
Current: 4.05
During the past 13 years, the highest Debt-to-Equity Ratio of Bawag Group AG was 4.05. The lowest was 1.10. And the median was 1.76.
BAWAY's Debt-to-Equity is ranked worse than 95.36% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs BAWAY: 4.05
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.
Bawag Group AG Debt-to-Equity Related Terms
Bawag Group AG Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Bawag Group AG'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, Bawag Group AG'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.
Bawag Group AG Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bawag Group AG's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Bawag Group AG'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.
Bawag Group AG (BAWAY) has a Debt-to-Equity of 4.05 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Bawag Group AG and its competitors. This is 130% above median its historical median of 1.76. Over the past decade, Bawag Group AG's Debt-to-Equity has ranged from 1.10 to 4.05. According to the industry distribution chart, Bawag Group AG ranks #1356 out of 1422 companies in the Banks industry, placing it in the top 95.4%.
Is Bawag Group AG's Debt-to-Equity too high?
Bawag Group AG's current Debt-to-Equity of 4.05 is 130% above median its 10-year median of 1.76. Over the past 10 years, this metric has ranged from a low of 1.10 to a high of 4.05. The Banks industry median Debt-to-Equity is 0.58. Bawag Group AG's value of 4.05 is 598.3% above this industry median. Based on the distribution chart, Bawag Group AG ranks #1356 out of 1422 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bawag Group AG has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bawag Group AG's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Bawag Group AG ranks #1356 out of 1422 companies for Debt-to-Equity. This places Bawag Group AG in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Bawag Group AG's value of 4.05 is 598.3% above this benchmark. Historically, Bawag Group AG's own Debt-to-Equity has ranged from 1.10 to 4.05 over the past decade. While the company's 10-year median is 1.76 vs. the industry median of 0.58, Bawag Group AG 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 1,422 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. Bawag Group AG's current Debt-to-Equity of 4.05 is 598.3% 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 Bawag Group AG 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. Bawag Group AG's current Debt-to-Equity is 4.05, which is 130% above median its own 10-year median of 1.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bawag Group AG stock overvalued right now?
Based on GuruFocus' analysis, Bawag Group AG (BAWAY) is currently considered Significantly Overvalued. The stock's GF Value™ is $38.40, compared to a current price of $52.31 — trading 36.2% above its estimated fair value. The current Debt-to-Equity is 4.05, which is 130% above median its 10-year median of 1.76 and 598.3% above the Banks industry median of 0.58. Bawag Group AG's overall GF Score™ is 60/100 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 Bawag Group AG (BAWAY), the current Debt-to-Equity is 4.05 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 Bawag Group AG (BAWAY) Overvalued in 2026?
Based on GuruFocus' analysis, Bawag Group AG stock appears to be overvalued.
The current stock price of $52.31 is trading 36.2% above its estimated GF Value™ of $38.40.
GuruFocus considers Bawag Group AG to be Significantly Overvalued.
Key valuation signals for BAWAY:
Debt-to-Equity: 4.05 (130% above median its 10-year median of 1.76)
GF Value™: $38.40 vs. price of $52.31 (36.2% above fair value)
Industry Position: 598.3% above the Banks median (#1356 of 1422)
No single metric tells the full story. See the BAWAY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bawag Group AG provides banking and financial products and services. The company serves retail, small business, and corporate customers offering comprehensive savings, payment, lending, leasing, investment, building society, and insurance products and services through various online and offline channels. The operating business segments of the company are Retail & SME, Corporates, Real Estate & Public Sector, Treasury and Corporate Center. The majority of the company's revenue is derived from the Retail& SME segment.
60GF Score
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