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ING Bank SlaskiWAR:ING 72 Debt-to-Equity is 0.90 as of Mar. 2026, which is 120% above its 10-year median of 0.41. GuruFocus rates WAR:ING with a GF Score™ of 72/100 and a GF Value™ of zł321.96 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 1,421 Banks companies, ING Bank Slaski ranks worse than 63.83% 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 ING Bank Slaski's Debt-to-Equity or its related term are showing as below:
WAR:ING'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.08 Med: 0.41 Max: 1.05
Current: 0.9
During the past 13 years, the highest Debt-to-Equity Ratio of ING Bank Slaski was 1.05. The lowest was 0.08. And the median was 0.41.
WAR:ING's Debt-to-Equity is ranked worse than 63.83% of 1421
companies
in the Banks industry
Industry Median: 0.57
vs WAR:ING: 0.90
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.
ING Bank Slaski Debt-to-Equity Related Terms
ING Bank Slaski Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for ING Bank Slaski'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, ING Bank Slaski'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.
ING Bank Slaski Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, ING Bank Slaski's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where ING Bank Slaski'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.
ING Bank Slaski (WAR:ING) has a Debt-to-Equity of 0.90 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on ING Bank Slaski and its competitors. This is 120% above median its historical median of 0.41. Over the past decade, ING Bank Slaski's Debt-to-Equity has ranged from 0.08 to 1.05. According to the industry distribution chart, ING Bank Slaski ranks #907 out of 1421 companies in the Banks industry, placing it in the top 63.8%.
Is ING Bank Slaski's Debt-to-Equity too high?
ING Bank Slaski's current Debt-to-Equity of 0.90 is 120% above median its 10-year median of 0.41. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 1.05. The Banks industry median Debt-to-Equity is 0.57. ING Bank Slaski's value of 0.90 is 57.9% above this industry median. Based on the distribution chart, ING Bank Slaski ranks #907 out of 1421 companies in the Banks industry, which is below the industry midpoint. Overall, ING Bank Slaski has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ING Bank Slaski's Debt-to-Equity compare to PNC?
According to the Banks industry distribution chart, ING Bank Slaski ranks #907 out of 1421 companies for Debt-to-Equity. This places ING Bank Slaski in the lower half of its industry. The industry median Debt-to-Equity is 0.57. ING Bank Slaski's value of 0.90 is 57.9% above this benchmark. Historically, ING Bank Slaski's own Debt-to-Equity has ranged from 0.08 to 1.05 over the past decade. While the company's 10-year median is 0.41 vs. the industry median of 0.57, ING Bank Slaski 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 0.57, based on 1,421 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. ING Bank Slaski's current Debt-to-Equity of 0.90 is 57.9% 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 ING Bank Slaski 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. ING Bank Slaski's current Debt-to-Equity is 0.90, which is 120% above median its own 10-year median of 0.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ING Bank Slaski stock overvalued right now?
Based on GuruFocus' analysis, ING Bank Slaski (WAR:ING) is currently considered Significantly Overvalued. The stock's GF Value™ is zł321.96, compared to a current price of zł443.00 — trading 37.6% above its estimated fair value. The current Debt-to-Equity is 0.90, which is 120% above median its 10-year median of 0.41 and 57.9% above the Banks industry median of 0.57. ING Bank Slaski's overall GF Score™ is 72/100 with 9 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 ING Bank Slaski (WAR:ING), the current Debt-to-Equity is 0.90 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 ING Bank Slaski (WAR:ING) Overvalued in 2026?
Based on GuruFocus' analysis, ING Bank Slaski stock appears to be overvalued.
The current stock price of zł443.00 is trading 37.6% above its estimated GF Value™ of zł321.96.
GuruFocus considers ING Bank Slaski to be Significantly Overvalued.
Key valuation signals for WAR:ING:
Debt-to-Equity: 0.90 (120% above median its 10-year median of 0.41)
GF Value™: zł321.96 vs. price of zł443.00 (37.6% above fair value)
Industry Position: 57.9% above the Banks median (#907 of 1421)
No single metric tells the full story. See the WAR:ING stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ING Bank Slaski SA offers a broad range of banking services rendered to individual and institutional clients in line with the scope of services outlined in the Bank's charter. The Bank runs operations both in the home currency and in foreign currencies. Additionally, through subsidiaries, the Group conducts leasing and factoring activity, advisory and acts as a financial intermediary as well as provides other financial services. The Group's business model includes the division of clients into two main segments namely the retail banking segment and corporate banking segment. The Group pursues business within the territory of the Republic of Poland.
72GF Score
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