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Instabank ASAFRA:93V -2.44%60 Debt-to-Equity is 0.17 as of Jun. 2026, which is 42% above its 10-year median of 0.12. GuruFocus rates FRA:93V with a GF Score™ of 60/100 and a GF Value™ of €0.24 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,414 Banks companies, Instabank ASA ranks better than 80.76% 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 Instabank ASA's Debt-to-Equity or its related term are showing as below:
FRA:93V'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.08 Med: 0.12 Max: 0.22
Current: 0.17
During the past 9 years, the highest Debt-to-Equity Ratio of Instabank ASA was 0.22. The lowest was 0.08. And the median was 0.12.
FRA:93V's Debt-to-Equity is ranked better than 80.76% of 1414
companies
in the Banks industry
Industry Median: 0.58
vs FRA:93V: 0.17
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.
Instabank ASA Debt-to-Equity Related Terms
Instabank ASA Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Instabank ASA'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, Instabank ASA'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.
Instabank ASA Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Instabank ASA's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Instabank ASA'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.
Instabank ASA (FRA:93V) has a Debt-to-Equity of 0.17 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Instabank ASA and its competitors. This is 42% above median its historical median of 0.12. Over the past decade, Instabank ASA's Debt-to-Equity has ranged from 0.08 to 0.22. According to the industry distribution chart, Instabank ASA ranks #272 out of 1414 companies in the Banks industry, placing it in the top 19.2%.
Is Instabank ASA's Debt-to-Equity too high?
Instabank ASA's current Debt-to-Equity of 0.17 is 42% above median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.22. The Banks industry median Debt-to-Equity is 0.58. Instabank ASA's value of 0.17 is 70.7% below this industry median. Based on the distribution chart, Instabank ASA ranks #272 out of 1414 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Instabank ASA has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Instabank ASA's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Instabank ASA ranks #272 out of 1414 companies for Debt-to-Equity. This places Instabank ASA in the top 19% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Instabank ASA's value of 0.17 is 70.7% below this benchmark. Historically, Instabank ASA's own Debt-to-Equity has ranged from 0.08 to 0.22 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.58, Instabank ASA 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 a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,414 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. Instabank ASA's current Debt-to-Equity of 0.17 is 70.7% 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 Instabank ASA 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. Instabank ASA's current Debt-to-Equity is 0.17, which is 42% above median its own 10-year median of 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Instabank ASA stock overvalued right now?
Based on GuruFocus' analysis, Instabank ASA (FRA:93V) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.24, compared to a current price of €0.44 — trading 83.3% above its estimated fair value. The current Debt-to-Equity is 0.17, which is 42% above median its 10-year median of 0.12 and 70.7% below the Banks industry median of 0.58. Instabank ASA's overall GF Score™ is 60/100 with 7 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 Instabank ASA (FRA:93V), the current Debt-to-Equity is 0.17 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 Instabank ASA (FRA:93V) Overvalued in 2026?
Based on GuruFocus' analysis, Instabank ASA stock appears to be overvalued.
The current stock price of €0.44 is trading 83.3% above its estimated GF Value™ of €0.24.
GuruFocus considers Instabank ASA to be Significantly Overvalued.
Key valuation signals for FRA:93V:
Debt-to-Equity: 0.17 (42% above median its 10-year median of 0.12)
GF Value™: €0.24 vs. price of €0.44 (83.3% above fair value)
Industry Position: 70.7% below the Banks median (#272 of 1414)
No single metric tells the full story. See the FRA:93V stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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