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Kvika Banki hfOISE:KVIKA +1.10%54 Debt-to-Equity is 1.30 as of Mar. 2026, which is 73% above its 10-year median of 0.75. GuruFocus rates OISE:KVIKA with a GF Score™ of 54/100 and a GF Value™ of kr22.79 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,422 Banks companies, Kvika Banki hf ranks worse than 74.68% 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 Kvika Banki hf's Debt-to-Equity or its related term are showing as below:
OISE:KVIKA'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.45 Med: 0.75 Max: 2.45
Current: 1.3
During the past 11 years, the highest Debt-to-Equity Ratio of Kvika Banki hf was 2.45. The lowest was 0.45. And the median was 0.75.
OISE:KVIKA's Debt-to-Equity is ranked worse than 74.68% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs OISE:KVIKA: 1.30
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.
Kvika Banki hf Debt-to-Equity Related Terms
Kvika Banki hf Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Kvika Banki 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, Kvika Banki 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.
Kvika Banki hf Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Kvika Banki hf's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Kvika Banki 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.
Kvika Banki hf (OISE:KVIKA) has a Debt-to-Equity of 1.30 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Kvika Banki hf and its competitors. This is 73% above median its historical median of 0.75. Over the past decade, Kvika Banki hf's Debt-to-Equity has ranged from 0.45 to 2.45. According to the industry distribution chart, Kvika Banki hf ranks #1062 out of 1422 companies in the Banks industry, placing it in the top 74.7%.
Is Kvika Banki hf's Debt-to-Equity too high?
Kvika Banki hf's current Debt-to-Equity of 1.30 is 73% above median its 10-year median of 0.75. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 2.45. The Banks industry median Debt-to-Equity is 0.58. Kvika Banki hf's value of 1.30 is 124.1% above this industry median. Based on the distribution chart, Kvika Banki hf ranks #1062 out of 1422 companies in the Banks industry, which is below the industry midpoint. Overall, Kvika Banki hf has a GF Score™ of 54/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Kvika Banki hf's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Kvika Banki hf ranks #1062 out of 1422 companies for Debt-to-Equity. This places Kvika Banki hf in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Kvika Banki hf's value of 1.30 is 124.1% above this benchmark. Historically, Kvika Banki hf's own Debt-to-Equity has ranged from 0.45 to 2.45 over the past decade. While the company's 10-year median is 0.75 vs. the industry median of 0.58, Kvika Banki 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 0.58, 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. Kvika Banki hf's current Debt-to-Equity of 1.30 is 124.1% 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 Kvika Banki hf 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. Kvika Banki hf's current Debt-to-Equity is 1.30, which is 73% above median its own 10-year median of 0.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kvika Banki hf stock overvalued right now?
Based on GuruFocus' analysis, Kvika Banki hf (OISE:KVIKA) is currently considered Possible Value Trap. The stock's GF Value™ is kr22.79, compared to a current price of kr13.80 — trading 39.4% below its estimated fair value. The current Debt-to-Equity is 1.30, which is 73% above median its 10-year median of 0.75 and 124.1% above the Banks industry median of 0.58. Kvika Banki hf's overall GF Score™ is 54/100 with 3 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 Kvika Banki hf (OISE:KVIKA), the current Debt-to-Equity is 1.30 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 Kvika Banki hf (OISE:KVIKA) Overvalued in 2026?
Based on GuruFocus' analysis, Kvika Banki hf stock appears to be undervalued.
The current stock price of kr13.80 is trading 39.4% below its estimated GF Value™ of kr22.79.
GuruFocus considers Kvika Banki hf to be Possible Value Trap.
Key valuation signals for OISE:KVIKA:
Debt-to-Equity: 1.30 (73% above median its 10-year median of 0.75)
GF Value™: kr22.79 vs. price of kr13.80 (39.4% below fair value)
Industry Position: 124.1% above the Banks median (#1062 of 1422)
No single metric tells the full story. See the OISE:KVIKA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kvika Banki hf is a financial services company with operations in Iceland and the United Kingdom. It delivers its services mainly online and offers solutions in asset management, payments, and banking for individuals, businesses, and investors. The company operates in four business segments: Commercial Banking, Investment Banking, which generates maximum revenue, Asset Management, and UK operations, through its subsidiaries. Retail financial services are delivered through specialized consumer brands such as Audur, Aur, and Netgiro, while corporate and institutional services are provided under the Kvika brand. In the UK, the bank operates under the Kvika and Ortus Secured Finance brands.
54GF Score
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