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Raiffeisen Bank Aval JSCUKEX:BAVL 6 Debt-to-Equity is 0.05 as of Mar. 2026, which is 67% above its 10-year median of 0.03. GuruFocus rates UKEX:BAVL with a GF Score™ of 6/100 and a GF Value™ of ₴0.30. Among 1,410 Banks companies, Raiffeisen Bank Aval JSC ranks better than 99.93% 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 Raiffeisen Bank Aval JSC's Debt-to-Equity or its related term are showing as below:
UKEX:BAVL'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.03 Max: 5.68
Current: 0.01
During the past 13 years, the highest Debt-to-Equity Ratio of Raiffeisen Bank Aval JSC was 5.68. The lowest was 0.01. And the median was 0.03.
UKEX:BAVL's Debt-to-Equity is ranked better than 99.93% of 1410
companies
in the Banks industry
Industry Median: 0.58
vs UKEX:BAVL: 0.01
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 Aval JSC Debt-to-Equity Related Terms
Raiffeisen Bank Aval JSC 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, Raiffeisen Bank Aval JSC'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 Aval JSC Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Raiffeisen Bank Aval JSC's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Raiffeisen Bank Aval JSC'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 Aval JSC (UKEX:BAVL) has a Debt-to-Equity of 0.05 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Raiffeisen Bank Aval JSC and its competitors. This is 67% above median its historical median of 0.03. Over the past decade, Raiffeisen Bank Aval JSC's Debt-to-Equity has ranged from 0.01 to 5.68. According to the industry distribution chart, Raiffeisen Bank Aval JSC ranks #1 out of 1410 companies in the Banks industry, placing it in the top 0.099999999999994%.
Is Raiffeisen Bank Aval JSC's Debt-to-Equity too high?
Raiffeisen Bank Aval JSC's current Debt-to-Equity of 0.05 is 67% above median its 10-year median of 0.03. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 5.68. The Banks industry median Debt-to-Equity is 0.58. Raiffeisen Bank Aval JSC's value of 0.05 is 91.4% below this industry median. Based on the distribution chart, Raiffeisen Bank Aval JSC ranks #1 out of 1410 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Raiffeisen Bank Aval JSC has a GF Score™ of 6/100, reflecting its overall financial health beyond just this single metric.
How does Raiffeisen Bank Aval JSC's Debt-to-Equity compare to USB and PNC?
According to the Banks industry distribution chart, Raiffeisen Bank Aval JSC ranks #1 out of 1410 companies for Debt-to-Equity. This places Raiffeisen Bank Aval JSC in the top 0% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Raiffeisen Bank Aval JSC's value of 0.05 is 91.4% below this benchmark. Historically, Raiffeisen Bank Aval JSC's own Debt-to-Equity has ranged from 0.01 to 5.68 over the past decade. While the company's 10-year median is 0.03 vs. the industry median of 0.58, Raiffeisen Bank Aval JSC 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 1,410 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 Aval JSC's current Debt-to-Equity of 0.05 is 91.4% 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 Raiffeisen Bank Aval JSC 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 Aval JSC's current Debt-to-Equity is 0.05, which is 67% above median its own 10-year median of 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raiffeisen Bank Aval JSC stock overvalued right now?
Raiffeisen Bank Aval JSC (UKEX:BAVL) has a current Debt-to-Equity of 0.05. The stock's GF Value™ is ₴0.30, compared to a current price of ₴0.25 — trading 16.7% below its estimated fair value. The current Debt-to-Equity is 0.05, which is 67% above median its 10-year median of 0.03 and 91.4% below the Banks industry median of 0.58. Raiffeisen Bank Aval JSC's overall GF Score™ is 6/100. 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 Aval JSC (UKEX:BAVL), the current Debt-to-Equity is 0.05 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 Raiffeisen Bank Aval JSC (UKEX:BAVL) Overvalued in 2026?
Based on GuruFocus' analysis, Raiffeisen Bank Aval JSC stock appears to be undervalued.
The current stock price of ₴0.25 is trading 16.7% below its estimated GF Value™ of ₴0.30.
Key valuation signals for UKEX:BAVL:
Debt-to-Equity: 0.05 (67% above median its 10-year median of 0.03)
GF Value™: ₴0.30 vs. price of ₴0.25 (16.7% below fair value)
Industry Position: 91.4% below the Banks median (#1 of 1410)
No single metric tells the full story. See the UKEX:BAVL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Raiffeisen Bank Aval JSC is a Ukraine based bank. It provides banking services to private individuals, corporate clients, and small and micro enterprises in Ukraine through electronic channels. It offers services and products to private individuals, including deposits; money transfers in UAH and foreign currencies, with or without opening an account; a wide list of new payment instruments including MasterCard and Visa International cards; consumer loans and many others. Its segments include Corporate & Small enterprises, Micro customers & Private individuals, Financial institutions, and Proprietary business. The majority of its revenue comes from Corporate & Small enterprises segment.
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