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Alpha Services and HoldingsSTU:ACBC +0.98%39 Debt-to-Equity is 0.49 as of Mar. 2026, which is 48% above its 10-year median of 0.33. GuruFocus rates STU:ACBC with a GF Score™ of 39/100 and a GF Value™ of €0.35 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,422 Banks companies, Alpha Services and Holdings ranks better than 55.27% 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 Alpha Services and Holdings's Debt-to-Equity or its related term are showing as below:
STU:ACBC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.07 Med: 0.33 Max: 0.56
Current: 0.49
During the past 13 years, the highest Debt-to-Equity Ratio of Alpha Services and Holdings was 0.56. The lowest was 0.07. And the median was 0.33.
STU:ACBC's Debt-to-Equity is ranked better than 55.27% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs STU:ACBC: 0.49
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.
Alpha Services and Holdings Debt-to-Equity Related Terms
Alpha Services and Holdings 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.
STU:ACBC vs WTFC, UMBF, CFR: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Alpha Services and Holdings'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.
Alpha Services and Holdings Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Alpha Services and Holdings's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Alpha Services and Holdings'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.
Alpha Services and Holdings (STU:ACBC) has a Debt-to-Equity of 0.49 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Alpha Services and Holdings and its competitors. This is 48% above median its historical median of 0.33. Over the past decade, Alpha Services and Holdings' Debt-to-Equity has ranged from 0.07 to 0.56. According to the industry distribution chart, Alpha Services and Holdings ranks #636 out of 1422 companies in the Banks industry, placing it in the top 44.7%.
Is Alpha Services and Holdings' Debt-to-Equity too high?
Alpha Services and Holdings' current Debt-to-Equity of 0.49 is 48% above median its 10-year median of 0.33. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.56. The Banks industry median Debt-to-Equity is 0.58. Alpha Services and Holdings' value of 0.49 is 15.5% below this industry median. Based on the distribution chart, Alpha Services and Holdings ranks #636 out of 1422 companies in the Banks industry, which is above the industry midpoint. Overall, Alpha Services and Holdings has a GF Score™ of 39/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Alpha Services and Holdings' Debt-to-Equity compare to WTFC and UMBF?
According to the Banks industry distribution chart, Alpha Services and Holdings ranks #636 out of 1422 companies for Debt-to-Equity. This puts Alpha Services and Holdings in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Alpha Services and Holdings' value of 0.49 is 15.5% below this benchmark. Historically, Alpha Services and Holdings' own Debt-to-Equity has ranged from 0.07 to 0.56 over the past decade. While the company's 10-year median is 0.33 vs. the industry median of 0.58, Alpha Services and Holdings 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 1,422 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. Alpha Services and Holdings's current Debt-to-Equity of 0.49 is 15.5% 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 Alpha Services and Holdings 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. Alpha Services and Holdings's current Debt-to-Equity is 0.49, which is 48% above median its own 10-year median of 0.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Alpha Services and Holdings stock overvalued right now?
Based on GuruFocus' analysis, Alpha Services and Holdings (STU:ACBC) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.35, compared to a current price of €1.03 — trading 194.3% above its estimated fair value. The current Debt-to-Equity is 0.49, which is 48% above median its 10-year median of 0.33 and 15.5% below the Banks industry median of 0.58. Alpha Services and Holdings' overall GF Score™ is 39/100 with 7 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 Alpha Services and Holdings (STU:ACBC), the current Debt-to-Equity is 0.49 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 Alpha Services and Holdings (STU:ACBC) Overvalued in 2026?
Based on GuruFocus' analysis, Alpha Services and Holdings stock appears to be overvalued.
The current stock price of €1.03 is trading 194.3% above its estimated GF Value™ of €0.35.
GuruFocus considers Alpha Services and Holdings to be Significantly Overvalued.
Key valuation signals for STU:ACBC:
Debt-to-Equity: 0.49 (48% above median its 10-year median of 0.33)
GF Value™: €0.35 vs. price of €1.03 (194.3% above fair value)
Industry Position: 15.5% below the Banks median (#636 of 1422)
No single metric tells the full story. See the STU:ACBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Alpha Services and Holdings SA, along with its subsidiaries, offers the following services: corporate and retail banking, financial services, investment banking and brokerage services, insurance services, real estate management and hotel services. Its segments include Retail, Wholesale, Wealth Management, International activities, Non Performing Assets and Corporate Center. The majority of the revenue is generated from its Wholesale banking segment, which offers working capital facilities, corporate loans, leasing products, and investment banking services, among others. Geographically, a substantial part of the company's overall revenue is generated from Greece.
39GF Score
Get the complete analysis for STU:ACBC
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