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National Bank of GreeceNBGIF 56 Debt-to-Equity is 0.53 as of Jun. 2026, which is 104% above its 10-year median of 0.26. GuruFocus rates NBGIF with a GF Score™ of 56/100 and a GF Value™ of $9.24 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,419 Banks companies, National Bank of Greece ranks better than 57.65% 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 National Bank of Greece's Debt-to-Equity or its related term are showing as below:
NBGIF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.07 Med: 0.26 Max: 0.53
Current: 0.53
During the past 13 years, the highest Debt-to-Equity Ratio of National Bank of Greece was 0.53. The lowest was 0.07. And the median was 0.26.
NBGIF's Debt-to-Equity is ranked better than 57.65% of 1419
companies
in the Banks industry
Industry Median: 0.59
vs NBGIF: 0.53
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.
National Bank of Greece Debt-to-Equity Related Terms
National Bank of Greece Debt-to-Equity Historical Data
* 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, National Bank of Greece'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.
National Bank of Greece Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, National Bank of Greece's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where National Bank of Greece'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.
National Bank of Greece (NBGIF) has a Debt-to-Equity of 0.53 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on National Bank of Greece and its competitors. This is 104% above median its historical median of 0.26. Over the past decade, National Bank of Greece's Debt-to-Equity has ranged from 0.07 to 0.53. According to the industry distribution chart, National Bank of Greece ranks #601 out of 1419 companies in the Banks industry, placing it in the top 42.4%.
Is National Bank of Greece's Debt-to-Equity too high?
National Bank of Greece's current Debt-to-Equity of 0.53 is 104% above median its 10-year median of 0.26. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.53. The Banks industry median Debt-to-Equity is 0.59. National Bank of Greece's value of 0.53 is 10.2% below this industry median. Based on the distribution chart, National Bank of Greece ranks #601 out of 1419 companies in the Banks industry, which is above the industry midpoint. Overall, National Bank of Greece has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Bank of Greece's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, National Bank of Greece ranks #601 out of 1419 companies for Debt-to-Equity. This puts National Bank of Greece in the upper half of its industry. The industry median Debt-to-Equity is 0.59. National Bank of Greece's value of 0.53 is 10.2% below this benchmark. Historically, National Bank of Greece's own Debt-to-Equity has ranged from 0.07 to 0.53 over the past decade. While the company's 10-year median is 0.26 vs. the industry median of 0.59, National Bank of Greece 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 0.59, based on 1,419 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. National Bank of Greece's current Debt-to-Equity of 0.53 is 10.2% 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 National Bank of Greece and its competitors. For the Banks industry, the median Debt-to-Equity is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Bank of Greece's current Debt-to-Equity is 0.53, which is 104% above median its own 10-year median of 0.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank of Greece stock overvalued right now?
Based on GuruFocus' analysis, National Bank of Greece (NBGIF) is currently considered Significantly Overvalued. The stock's GF Value™ is $9.24, compared to a current price of $18.96 — trading 105.2% above its estimated fair value. The current Debt-to-Equity is 0.53, which is 104% above median its 10-year median of 0.26 and 10.2% below the Banks industry median of 0.59. National Bank of Greece's overall GF Score™ is 56/100 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 National Bank of Greece (NBGIF), the current Debt-to-Equity is 0.53 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 National Bank of Greece (NBGIF) Overvalued in 2026?
Based on GuruFocus' analysis, National Bank of Greece stock appears to be overvalued.
The current stock price of $18.96 is trading 105.2% above its estimated GF Value™ of $9.24.
GuruFocus considers National Bank of Greece to be Significantly Overvalued.
Key valuation signals for NBGIF:
Debt-to-Equity: 0.53 (104% above median its 10-year median of 0.26)
GF Value™: $9.24 vs. price of $18.96 (105.2% above fair value)
Industry Position: 10.2% below the Banks median (#601 of 1419)
No single metric tells the full story. See the NBGIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Bank of Greece SA consists of several subsidiaries offering diverse financial services, including retail, corporate, and investment banking, specialized asset solutions, transactional banking, leasing, factoring, brokerage, asset management, real estate management, and bancassurance-related services. Its segments include Retail Banking, Corporate and Investment Banking, Trouble Assets Units, Global Markets and Asset Management, International Banking Operations, and Other. The group generates maximum revenue from the Retail Banking segment, which, through its branch network and digital business, offers various types of loans (mortgage, consumer, and small business lending), cards (debit, credit, and prepaid cards), deposits, investment, bancassurance, and other products.
56GF Score
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