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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 Raiffeisen Bank International AG's Debt-to-Equity or its related term are showing as below:
RAIFF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.75 Med: 0.89 Max: 1.55
Current: 0.99
During the past 13 years, the highest Debt-to-Equity Ratio of Raiffeisen Bank International AG was 1.55. The lowest was 0.75. And the median was 0.89.
RAIFF's Debt-to-Equity is ranked worse than 66.74% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs RAIFF: 0.99
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.
Raiffeisen Bank International AG Debt-to-Equity Related Terms
Raiffeisen Bank International AG 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.
Raiffeisen Bank International AG Debt-to-Equity Chart
For the Banks - Regional subindustry, Raiffeisen Bank International AG'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.
Raiffeisen Bank International AG Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Raiffeisen Bank International AG's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Raiffeisen Bank International AG'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.
Raiffeisen Bank International AG (RAIFF) has a Debt-to-Equity of 0.99 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Raiffeisen Bank International AG and its competitors. This is 11% above median its historical median of 0.89. Over the past decade, Raiffeisen Bank International AG's Debt-to-Equity has ranged from 0.75 to 1.55. According to the industry distribution chart, Raiffeisen Bank International AG ranks #949 out of 1422 companies in the Banks industry, placing it in the top 66.7%.
Is Raiffeisen Bank International AG's Debt-to-Equity too high?
Raiffeisen Bank International AG's current Debt-to-Equity of 0.99 is 11% above median its 10-year median of 0.89. Over the past 10 years, this metric has ranged from a low of 0.75 to a high of 1.55. The Banks industry median Debt-to-Equity is 0.58. Raiffeisen Bank International AG's value of 0.99 is 70.7% above this industry median. Based on the distribution chart, Raiffeisen Bank International AG ranks #949 out of 1422 companies in the Banks industry, which is below the industry midpoint. Overall, Raiffeisen Bank International AG has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Raiffeisen Bank International AG's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Raiffeisen Bank International AG ranks #949 out of 1422 companies for Debt-to-Equity. This places Raiffeisen Bank International AG in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Raiffeisen Bank International AG's value of 0.99 is 70.7% above this benchmark. Historically, Raiffeisen Bank International AG's own Debt-to-Equity has ranged from 0.75 to 1.55 over the past decade. While the company's 10-year median is 0.89 vs. the industry median of 0.58, Raiffeisen Bank International AG 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. Raiffeisen Bank International AG's current Debt-to-Equity of 0.99 is 70.7% 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 Raiffeisen Bank International AG 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. Raiffeisen Bank International AG's current Debt-to-Equity is 0.99, which is 11% above median its own 10-year median of 0.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raiffeisen Bank International AG stock overvalued right now?
Based on GuruFocus' analysis, Raiffeisen Bank International AG (RAIFF) is currently considered Significantly Overvalued. The stock's GF Value™ is $18.87, compared to a current price of $69.50 — trading 268.3% above its estimated fair value. The current Debt-to-Equity is 0.99, which is 11% above median its 10-year median of 0.89 and 70.7% above the Banks industry median of 0.58. Raiffeisen Bank International AG's overall GF Score™ is 50/100 with 6 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 Raiffeisen Bank International AG (RAIFF), the current Debt-to-Equity is 0.99 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 Raiffeisen Bank International AG (RAIFF) Overvalued in 2026?
Based on GuruFocus' analysis, Raiffeisen Bank International AG stock appears to be overvalued.
The current stock price of $69.50 is trading 268.3% above its estimated GF Value™ of $18.87.
GuruFocus considers Raiffeisen Bank International AG to be Significantly Overvalued.
Key valuation signals for RAIFF:
Debt-to-Equity: 0.99 (11% above median its 10-year median of 0.89)
GF Value™: $18.87 vs. price of $69.50 (268.3% above fair value)
Industry Position: 70.7% above the Banks median (#949 of 1422)
No single metric tells the full story. See the RAIFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Raiffeisen Bank International AG is a corporate and investment bank with Central and Eastern Europe (CEE) as its home market. The group also includes financial service providers in leasing, asset management, factoring, and M&A. Its segments are as follows: The Central Europe segment covers the Czech Republic, Hungary, Poland, and Slovakia, offering corporate and retail banking, leasing, asset management, and building society services. Southeastern Europe includes Albania, Bosnia and Herzegovina, Romania, and Serbia, providing banking, leasing, asset management, and pension fund services. Eastern Europe comprises Russia, where RBI serves corporate and private customers and leasing. Ukraine is served through a bank offering full financial services via digital channels and branches.
50GF Score
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