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Islandsbanki hfOISE:ISB -0.83%72 Debt-to-Equity is 2.29 as of Jun. 2026, which is 4% above its 10-year median of 2.20. GuruFocus rates OISE:ISB with a GF Score™ of 72/100 and a GF Value™ of kr149.82 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,419 Banks companies, Islandsbanki hf ranks worse than 87.17% 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 Islandsbanki hf's Debt-to-Equity or its related term are showing as below:
OISE:ISB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 1.27 Med: 2.2 Max: 2.34
Current: 2.29
During the past 9 years, the highest Debt-to-Equity Ratio of Islandsbanki hf was 2.34. The lowest was 1.27. And the median was 2.20.
OISE:ISB's Debt-to-Equity is ranked worse than 87.17% of 1419
companies
in the Banks industry
Industry Median: 0.59
vs OISE:ISB: 2.29
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.
Islandsbanki hf Debt-to-Equity Related Terms
Islandsbanki hf Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Islandsbanki hf'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, Islandsbanki hf'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.
Islandsbanki hf Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Islandsbanki hf's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Islandsbanki hf'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.
Islandsbanki hf (OISE:ISB) has a Debt-to-Equity of 2.29 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Islandsbanki hf and its competitors. This is near median its historical median of 2.20. Over the past decade, Islandsbanki hf's Debt-to-Equity has ranged from 1.27 to 2.34. According to the industry distribution chart, Islandsbanki hf ranks #1237 out of 1419 companies in the Banks industry, placing it in the top 87.2%.
Is Islandsbanki hf's Debt-to-Equity too high?
Islandsbanki hf's current Debt-to-Equity of 2.29 is near median its 10-year median of 2.20. Over the past 10 years, this metric has ranged from a low of 1.27 to a high of 2.34. The Banks industry median Debt-to-Equity is 0.59. Islandsbanki hf's value of 2.29 is 288.1% above this industry median. Based on the distribution chart, Islandsbanki hf ranks #1237 out of 1419 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Islandsbanki hf has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Islandsbanki hf's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Islandsbanki hf ranks #1237 out of 1419 companies for Debt-to-Equity. This places Islandsbanki hf in the lower half of its industry. The industry median Debt-to-Equity is 0.59. Islandsbanki hf's value of 2.29 is 288.1% above this benchmark. Historically, Islandsbanki hf's own Debt-to-Equity has ranged from 1.27 to 2.34 over the past decade. While the company's 10-year median is 2.20 vs. the industry median of 0.59, Islandsbanki hf 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 0.59, 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. Islandsbanki hf's current Debt-to-Equity of 2.29 is 288.1% 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 Islandsbanki hf 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. Islandsbanki hf's current Debt-to-Equity is 2.29, which is near median its own 10-year median of 2.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Islandsbanki hf stock overvalued right now?
Based on GuruFocus' analysis, Islandsbanki hf (OISE:ISB) is currently considered Fairly Valued. The stock's GF Value™ is kr149.82, compared to a current price of kr143.80 — trading 4% below its estimated fair value. The current Debt-to-Equity is 2.29, which is near median its 10-year median of 2.20 and 288.1% above the Banks industry median of 0.59. Islandsbanki hf's overall GF Score™ is 72/100 with 4 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 Islandsbanki hf (OISE:ISB), the current Debt-to-Equity is 2.29 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 Islandsbanki hf (OISE:ISB) Overvalued in 2026?
Based on GuruFocus' analysis, Islandsbanki hf stock appears to be undervalued.
The current stock price of kr143.80 is trading 4% below its estimated GF Value™ of kr149.82.
GuruFocus considers Islandsbanki hf to be Fairly Valued.
Key valuation signals for OISE:ISB:
Debt-to-Equity: 2.29 (near median its 10-year median of 2.20)
GF Value™: kr149.82 vs. price of kr143.80 (4% below fair value)
Industry Position: 288.1% above the Banks median (#1237 of 1419)
No single metric tells the full story. See the OISE:ISB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Islandsbanki hf is a customer-centric universal bank. The company's segments include Personal Banking; Business Banking; Corporate and Investment Banking; Treasury and Proprietary Trading and Cost centres. It generates maximum revenue from the Business Banking segment. Business Banking provides small and medium-sized enterprises (SMEs) with comprehensive financial services, including Ergo, the Bank's asset financing service.
72GF Score
Get the complete analysis for OISE:ISB
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