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Erste Bank PolskaLTS:0DVR 79 Debt-to-Equity is 0.47 as of Mar. 2026, which is 22% below its 10-year median of 0.60. GuruFocus rates LTS:0DVR with a GF Score™ of 79/100 and a GF Value™ of zł351.82 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,422 Banks companies, Erste Bank Polska ranks better than 56.05% 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 Bank Polska's Debt-to-Equity or its related term are showing as below:
LTS:0DVR'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.39 Med: 0.6 Max: 0.87
Current: 0.47
During the past 13 years, the highest Debt-to-Equity Ratio of Erste Bank Polska was 0.87. The lowest was 0.39. And the median was 0.60.
LTS:0DVR's Debt-to-Equity is ranked better than 56.05% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs LTS:0DVR: 0.47
Erste Bank Polska (LTS:0DVR) 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 Bank Polska Debt-to-Equity Related Terms
Erste Bank Polska Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Erste Bank Polska'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 Bank Polska'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 Bank Polska Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Erste Bank Polska's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Erste Bank Polska'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 Bank Polska (LTS:0DVR) has a Debt-to-Equity of 0.47 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Erste Bank Polska and its competitors. This is 22% below median its historical median of 0.60. Over the past decade, Erste Bank Polska's Debt-to-Equity has ranged from 0.39 to 0.87. According to the industry distribution chart, Erste Bank Polska ranks #625 out of 1422 companies in the Banks industry, placing it in the top 44%.
Is Erste Bank Polska's Debt-to-Equity too high?
Erste Bank Polska's current Debt-to-Equity of 0.47 is 22% below median its 10-year median of 0.60. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 0.87. The Banks industry median Debt-to-Equity is 0.57. Erste Bank Polska's value of 0.47 is 17.5% below this industry median. Based on the distribution chart, Erste Bank Polska ranks #625 out of 1422 companies in the Banks industry, which is above the industry midpoint. Overall, Erste Bank Polska has a GF Score™ of 79/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Erste Bank Polska's Debt-to-Equity compare to PNC?
According to the Banks industry distribution chart, Erste Bank Polska ranks #625 out of 1422 companies for Debt-to-Equity. This puts Erste Bank Polska in the upper half of its industry. The industry median Debt-to-Equity is 0.57. Erste Bank Polska's value of 0.47 is 17.5% below this benchmark. Historically, Erste Bank Polska's own Debt-to-Equity has ranged from 0.39 to 0.87 over the past decade. While the company's 10-year median is 0.60 vs. the industry median of 0.57, Erste Bank Polska 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 0.57, 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. Erste Bank Polska's current Debt-to-Equity of 0.47 is 17.5% 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 Erste Bank Polska 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. Erste Bank Polska's current Debt-to-Equity is 0.47, which is 22% below median its own 10-year median of 0.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erste Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, Erste Bank Polska (LTS:0DVR) is currently considered Modestly Overvalued. The stock's GF Value™ is zł351.82, compared to a current price of zł395.55 — trading 12.4% above its estimated fair value. The current Debt-to-Equity is 0.47, which is 22% below median its 10-year median of 0.60 and 17.5% below the Banks industry median of 0.57. Erste Bank Polska's overall GF Score™ is 79/100 with 8 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 Bank Polska (LTS:0DVR), the current Debt-to-Equity is 0.47 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 Bank Polska (LTS:0DVR) Overvalued in 2026?
Based on GuruFocus' analysis, Erste Bank Polska stock appears to be overvalued.
The current stock price of zł395.55 is trading 12.4% above its estimated GF Value™ of zł351.82.
GuruFocus considers Erste Bank Polska to be Modestly Overvalued.
Key valuation signals for LTS:0DVR:
Debt-to-Equity: 0.47 (22% below median its 10-year median of 0.60)
GF Value™: zł351.82 vs. price of zł395.55 (12.4% above fair value)
Industry Position: 17.5% below the Banks median (#625 of 1422)
No single metric tells the full story. See the LTS:0DVR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Erste Bank Polska SA is a commercial bank. It provides financial products and services such as Personal accounts, Payment cards, Loans, Savings and investments, and products for overseas customers.
79GF Score
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