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Laan & Spar Bank ASLTS:0F26 48 Debt-to-Equity is 0.33 as of Jun. 2026, which is 136% above its 10-year median of 0.14. GuruFocus rates LTS:0F26 with a GF Score™ of 48/100 and a GF Value™ of kr799.70. The stock has 2 warning signs investors should review. Among 1,411 Banks companies, Laan & Spar Bank AS ranks better than 66.27% 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 Laan & Spar Bank AS's Debt-to-Equity or its related term are showing as below:
LTS:0F26'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.05 Med: 0.14 Max: 0.35
Current: 0.33
During the past 13 years, the highest Debt-to-Equity Ratio of Laan & Spar Bank AS was 0.35. The lowest was 0.05. And the median was 0.14.
LTS:0F26's Debt-to-Equity is ranked better than 66.27% of 1411
companies
in the Banks industry
Industry Median: 0.58
vs LTS:0F26: 0.33
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.
Laan & Spar Bank AS Debt-to-Equity Related Terms
Laan & Spar Bank AS Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Laan & Spar Bank 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.
Laan & Spar Bank AS Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Laan & Spar Bank 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.
Laan & Spar Bank AS Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Laan & Spar Bank AS's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Laan & Spar Bank 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.
Laan & Spar Bank AS (LTS:0F26) has a Debt-to-Equity of 0.33 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Laan & Spar Bank AS and its competitors. This is 136% above median its historical median of 0.14. Over the past decade, Laan & Spar Bank AS's Debt-to-Equity has ranged from 0.05 to 0.35. According to the industry distribution chart, Laan & Spar Bank AS ranks #476 out of 1411 companies in the Banks industry, placing it in the top 33.7%.
Is Laan & Spar Bank AS's Debt-to-Equity too high?
Laan & Spar Bank AS's current Debt-to-Equity of 0.33 is 136% above median its 10-year median of 0.14. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.35. The Banks industry median Debt-to-Equity is 0.58. Laan & Spar Bank AS's value of 0.33 is 43.1% below this industry median. Based on the distribution chart, Laan & Spar Bank AS ranks #476 out of 1411 companies in the Banks industry, which is above the industry midpoint. Overall, Laan & Spar Bank AS has a GF Score™ of 48/100, reflecting its overall financial health beyond just this single metric.
How does Laan & Spar Bank AS's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Laan & Spar Bank AS ranks #476 out of 1411 companies for Debt-to-Equity. This puts Laan & Spar Bank AS in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Laan & Spar Bank AS's value of 0.33 is 43.1% below this benchmark. Historically, Laan & Spar Bank AS's own Debt-to-Equity has ranged from 0.05 to 0.35 over the past decade. While the company's 10-year median is 0.14 vs. the industry median of 0.58, Laan & Spar Bank AS 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 1,411 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. Laan & Spar Bank AS's current Debt-to-Equity of 0.33 is 43.1% 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 Laan & Spar Bank AS 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. Laan & Spar Bank AS's current Debt-to-Equity is 0.33, which is 136% above median its own 10-year median of 0.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Laan & Spar Bank AS stock overvalued right now?
Laan & Spar Bank AS (LTS:0F26) has a current Debt-to-Equity of 0.33. The stock's GF Value™ is kr799.70, compared to a current price of kr1,360.00 — trading 70.1% above its estimated fair value. The current Debt-to-Equity is 0.33, which is 136% above median its 10-year median of 0.14 and 43.1% below the Banks industry median of 0.58. Laan & Spar Bank AS's overall GF Score™ is 48/100 with 2 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 Laan & Spar Bank AS (LTS:0F26), the current Debt-to-Equity is 0.33 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 Laan & Spar Bank AS (LTS:0F26) Overvalued in 2026?
Based on GuruFocus' analysis, Laan & Spar Bank AS stock appears to be overvalued.
The current stock price of kr1,360.00 is trading 70.1% above its estimated GF Value™ of kr799.70.
Key valuation signals for LTS:0F26:
Debt-to-Equity: 0.33 (136% above median its 10-year median of 0.14)
GF Value™: kr799.70 vs. price of kr1,360.00 (70.1% above fair value)
Industry Position: 43.1% below the Banks median (#476 of 1411)
No single metric tells the full story. See the LTS:0F26 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Laan & Spar Bank AS is a bank. It is engaged in the operation of specialty banking services for household customers. The company offers deposits, car and housing loans, business loans, and mortgages; and cards. It also provides investment, and pension and insurance services; and Internet banking and payment services.
48GF Score
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