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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 Bank Ochrony Srodowiska's Debt-to-Equity or its related term are showing as below:
WAR:BOS'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.29 Med: 0.59 Max: 2.12
Current: 0.45
During the past 13 years, the highest Debt-to-Equity Ratio of Bank Ochrony Srodowiska was 2.12. The lowest was 0.29. And the median was 0.59.
WAR:BOS's Debt-to-Equity is ranked better than 57.88% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs WAR:BOS: 0.45
Bank Ochrony Srodowiska (WAR:BOS) Debt-to-Equity Explanation
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.
Bank Ochrony Srodowiska Debt-to-Equity Related Terms
Bank Ochrony Srodowiska 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, Bank Ochrony Srodowiska'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.
Bank Ochrony Srodowiska Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bank Ochrony Srodowiska's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Bank Ochrony Srodowiska'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.
Bank Ochrony Srodowiska (WAR:BOS) has a Debt-to-Equity of 0.45 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Bank Ochrony Srodowiska and its competitors. This is 24% below median its historical median of 0.59. Over the past decade, Bank Ochrony Srodowiska's Debt-to-Equity has ranged from 0.29 to 2.12. According to the industry distribution chart, Bank Ochrony Srodowiska ranks #599 out of 1422 companies in the Banks industry, placing it in the top 42.1%.
Is Bank Ochrony Srodowiska's Debt-to-Equity too high?
Bank Ochrony Srodowiska's current Debt-to-Equity of 0.45 is 24% below median its 10-year median of 0.59. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 2.12. The Banks industry median Debt-to-Equity is 0.57. Bank Ochrony Srodowiska's value of 0.45 is 21.1% below this industry median. Based on the distribution chart, Bank Ochrony Srodowiska ranks #599 out of 1422 companies in the Banks industry, which is above the industry midpoint. Overall, Bank Ochrony Srodowiska has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank Ochrony Srodowiska's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Bank Ochrony Srodowiska ranks #599 out of 1422 companies for Debt-to-Equity. This puts Bank Ochrony Srodowiska in the upper half of its industry. The industry median Debt-to-Equity is 0.57. Bank Ochrony Srodowiska's value of 0.45 is 21.1% below this benchmark. Historically, Bank Ochrony Srodowiska's own Debt-to-Equity has ranged from 0.29 to 2.12 over the past decade. While the company's 10-year median is 0.59 vs. the industry median of 0.57, Bank Ochrony Srodowiska 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 0.57, 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. Bank Ochrony Srodowiska's current Debt-to-Equity of 0.45 is 21.1% 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 Bank Ochrony Srodowiska and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Ochrony Srodowiska's current Debt-to-Equity is 0.45, which is 24% below median its own 10-year median of 0.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Ochrony Srodowiska stock overvalued right now?
Based on GuruFocus' analysis, Bank Ochrony Srodowiska (WAR:BOS) is currently considered Fairly Valued. The stock's GF Value™ is zł10.63, compared to a current price of zł10.22 — trading 3.9% below its estimated fair value. The current Debt-to-Equity is 0.45, which is 24% below median its 10-year median of 0.59 and 21.1% below the Banks industry median of 0.57. Bank Ochrony Srodowiska's overall GF Score™ is 76/100 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 Bank Ochrony Srodowiska (WAR:BOS), the current Debt-to-Equity is 0.45 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 Bank Ochrony Srodowiska (WAR:BOS) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Ochrony Srodowiska stock appears to be undervalued.
The current stock price of zł10.22 is trading 3.9% below its estimated GF Value™ of zł10.63.
GuruFocus considers Bank Ochrony Srodowiska to be Fairly Valued.
Key valuation signals for WAR:BOS:
Debt-to-Equity: 0.45 (24% below median its 10-year median of 0.59)
GF Value™: zł10.63 vs. price of zł10.22 (3.9% below fair value)
Industry Position: 21.1% below the Banks median (#599 of 1422)
No single metric tells the full story. See the WAR:BOS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Ochrony Srodowiska SA is engaged in providing banking and financial services. The company offers a range of services to individuals, corporate clients, and local government units. The company operates through Institutional Clients; Retail Clients; Treasury and Investment Activity; and Other segments.
76GF Score
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