Erste Group Bank AG.EBKOF +0.70%76 Debt-to-Equity is 2.26 as of Mar. 2026, which is 13% above its 10-year median of 2.00. GuruFocus rates EBKOF with a GF Score™ of 76/100 and a GF Value™ of $79.18 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,424 Banks companies, Erste Group Bank AG. ranks worse than 87.36% 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 Erste Group Bank AG.'s Debt-to-Equity or its related term are showing as below:
EBKOF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 1.71 Med: 2 Max: 2.33
Current: 2.26
During the past 13 years, the highest Debt-to-Equity Ratio of Erste Group Bank AG. was 2.33. The lowest was 1.71. And the median was 2.00.
EBKOF's Debt-to-Equity is ranked worse than 87.36% of 1424
companies
in the Banks industry
Industry Median: 0.56
vs EBKOF: 2.26
Erste Group Bank AG. (OTCPK:EBKOF) 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.
Erste Group Bank AG. Debt-to-Equity Related Terms
Erste Group Bank AG. Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Erste Group Bank 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, Erste Group Bank 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.
Erste Group Bank AG. Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Erste Group Bank AG.'s Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Erste Group Bank 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.
Erste Group Bank AG. (EBKOF) has a Debt-to-Equity of 2.26 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Erste Group Bank AG. and its competitors. This is 13% above median its historical median of 2.00. Over the past decade, Erste Group Bank AG.'s Debt-to-Equity has ranged from 1.71 to 2.33. According to the industry distribution chart, Erste Group Bank AG. ranks #1244 out of 1424 companies in the Banks industry, placing it in the top 87.4%.
Is Erste Group Bank AG.'s Debt-to-Equity too high?
Erste Group Bank AG.'s current Debt-to-Equity of 2.26 is 13% above median its 10-year median of 2.00. Over the past 10 years, this metric has ranged from a low of 1.71 to a high of 2.33. The Banks industry median Debt-to-Equity is 0.56. Erste Group Bank AG.'s value of 2.26 is 303.6% above this industry median. Based on the distribution chart, Erste Group Bank AG. ranks #1244 out of 1424 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Erste Group Bank AG. has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Erste Group Bank AG.'s Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Erste Group Bank AG. ranks #1244 out of 1424 companies for Debt-to-Equity. This places Erste Group Bank AG. in the lower half of its industry. The industry median Debt-to-Equity is 0.56. Erste Group Bank AG.'s value of 2.26 is 303.6% above this benchmark. Historically, Erste Group Bank AG.'s own Debt-to-Equity has ranged from 1.71 to 2.33 over the past decade. While the company's 10-year median is 2.00 vs. the industry median of 0.56, Erste Group Bank 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 0.56, based on 1,424 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. Erste Group Bank AG.'s current Debt-to-Equity of 2.26 is 303.6% 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 Erste Group Bank AG. and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Erste Group Bank AG.'s current Debt-to-Equity is 2.26, which is 13% above median its own 10-year median of 2.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erste Group Bank AG. stock overvalued right now?
Based on GuruFocus' analysis, Erste Group Bank AG. (EBKOF) is currently considered Significantly Overvalued. The stock's GF Value™ is $79.18, compared to a current price of $136.56 — trading 72.5% above its estimated fair value. The current Debt-to-Equity is 2.26, which is 13% above median its 10-year median of 2.00 and 303.6% above the Banks industry median of 0.56. Erste Group Bank AG.'s overall GF Score™ is 76/100 with 6 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 Erste Group Bank AG. (EBKOF), the current Debt-to-Equity is 2.26 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 Erste Group Bank AG. (EBKOF) Overvalued in 2026?
Based on GuruFocus' analysis, Erste Group Bank AG. stock appears to be overvalued.
The current stock price of $136.56 is trading 72.5% above its estimated GF Value™ of $79.18.
GuruFocus considers Erste Group Bank AG. to be Significantly Overvalued.
Key valuation signals for EBKOF:
Debt-to-Equity: 2.26 (13% above median its 10-year median of 2.00)
GF Value™: $79.18 vs. price of $136.56 (72.5% above fair value)
Industry Position: 303.6% above the Banks median (#1244 of 1424)
No single metric tells the full story. See the EBKOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Erste Group Bank AG. is an Austria-based financial services provider catering to the needs of individuals, corporates, small businesses, and other enterprises. It offers a complete range of banking and other financial services, such as savings accounts, asset management (including investment funds), consumer credit and mortgage lending, investment banking, securities and derivatives trading, project finance, foreign exchange trading, leasing, factoring, etc. The Group's operating segments are defined according to the core markets in which it operates and include Austria, Central and Eastern Europe, and Other. Maximum revenue is generated from the Central and Eastern Europe segment, which represents its operations in the Czech Republic, Slovakia, Romania, Hungary, Croatia, and Serbia.
76GF Score
Get the complete analysis for EBKOF
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
EBKOF has been successfully added to your 
