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AL Sydbank ASFRA:TM2 -0.37%67 Debt-to-Equity is 0.67 as of Mar. 2026, which is 19% below its 10-year median of 0.83. GuruFocus rates FRA:TM2 with a GF Score™ of 67/100 and a GF Value™ of €54.84 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,421 Banks companies, AL Sydbank AS ranks worse than 55.59% 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 AL Sydbank AS's Debt-to-Equity or its related term are showing as below:
FRA:TM2'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.15 Med: 0.83 Max: 1.32
Current: 0.67
During the past 13 years, the highest Debt-to-Equity Ratio of AL Sydbank AS was 1.32. The lowest was 0.15. And the median was 0.83.
FRA:TM2's Debt-to-Equity is ranked worse than 55.59% of 1421
companies
in the Banks industry
Industry Median: 0.57
vs FRA:TM2: 0.67
AL Sydbank AS (FRA:TM2) 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.
AL Sydbank AS Debt-to-Equity Related Terms
AL Sydbank AS Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for AL Sydbank AS'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.
AL Sydbank AS Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, AL Sydbank AS'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.
AL Sydbank AS Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, AL Sydbank AS's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where AL Sydbank AS'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.
AL Sydbank AS (FRA:TM2) has a Debt-to-Equity of 0.67 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on AL Sydbank AS and its competitors. This is 19% below median its historical median of 0.83. Over the past decade, AL Sydbank AS's Debt-to-Equity has ranged from 0.15 to 1.32. According to the industry distribution chart, AL Sydbank AS ranks #790 out of 1421 companies in the Banks industry, placing it in the top 55.6%.
Is AL Sydbank AS's Debt-to-Equity too high?
AL Sydbank AS's current Debt-to-Equity of 0.67 is 19% below median its 10-year median of 0.83. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 1.32. The Banks industry median Debt-to-Equity is 0.57. AL Sydbank AS's value of 0.67 is 17.5% above this industry median. Based on the distribution chart, AL Sydbank AS ranks #790 out of 1421 companies in the Banks industry, which is below the industry midpoint. Overall, AL Sydbank AS has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AL Sydbank AS's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, AL Sydbank AS ranks #790 out of 1421 companies for Debt-to-Equity. This places AL Sydbank AS in the lower half of its industry. The industry median Debt-to-Equity is 0.57. AL Sydbank AS's value of 0.67 is 17.5% above this benchmark. Historically, AL Sydbank AS's own Debt-to-Equity has ranged from 0.15 to 1.32 over the past decade. While the company's 10-year median is 0.83 vs. the industry median of 0.57, AL Sydbank AS 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 0.57, based on 1,421 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. AL Sydbank AS's current Debt-to-Equity of 0.67 is 17.5% 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 AL Sydbank AS and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AL Sydbank AS's current Debt-to-Equity is 0.67, which is 19% below median its own 10-year median of 0.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AL Sydbank AS stock overvalued right now?
Based on GuruFocus' analysis, AL Sydbank AS (FRA:TM2) is currently considered Significantly Overvalued. The stock's GF Value™ is €54.84, compared to a current price of €81.70 — trading 49% above its estimated fair value. The current Debt-to-Equity is 0.67, which is 19% below median its 10-year median of 0.83 and 17.5% above the Banks industry median of 0.57. AL Sydbank AS's overall GF Score™ is 67/100 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 AL Sydbank AS (FRA:TM2), the current Debt-to-Equity is 0.67 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 AL Sydbank AS (FRA:TM2) Overvalued in 2026?
Based on GuruFocus' analysis, AL Sydbank AS stock appears to be overvalued.
The current stock price of €81.70 is trading 49% above its estimated GF Value™ of €54.84.
GuruFocus considers AL Sydbank AS to be Significantly Overvalued.
Key valuation signals for FRA:TM2:
Debt-to-Equity: 0.67 (19% below median its 10-year median of 0.83)
GF Value™: €54.84 vs. price of €81.70 (49% above fair value)
Industry Position: 17.5% above the Banks median (#790 of 1421)
No single metric tells the full story. See the FRA:TM2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AL Sydbank A/S is a Danish bank operating in Denmark and with some exposure to Northern Germany. The bank operates through five business segments: Banking, Asset Management, Sydbank Markets, Treasury, and Others. The bank provides various banking and financial advisory services such as mortgage credit, retail banking, investment banking, corporate banking, international banking, and asset management. A vast majority of Sydbank's net revenue is derived from its banking segment, which includes net interest and fee income from retail and corporate clients. The company earns the majority of its revenue in Denmark.
67GF Score
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