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Bank MillenniumWAR:MIL -1.06%56 Debt-to-Equity is 1.04 as of Jun. 2026, which is 160% above its 10-year median of 0.40. GuruFocus rates WAR:MIL with a GF Score™ of 56/100 and a GF Value™ of zł10.90 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,422 Banks companies, Bank Millennium ranks worse than 68.07% 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 Bank Millennium's Debt-to-Equity or its related term are showing as below:
WAR:MIL'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.26 Med: 0.4 Max: 1.08
Current: 1.04
During the past 13 years, the highest Debt-to-Equity Ratio of Bank Millennium was 1.08. The lowest was 0.26. And the median was 0.40.
WAR:MIL's Debt-to-Equity is ranked worse than 68.07% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs WAR:MIL: 1.04
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 Millennium Debt-to-Equity Related Terms
Bank Millennium Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Bank Millennium'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, Bank Millennium'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 Millennium Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bank Millennium's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Bank Millennium'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 Millennium (WAR:MIL) has a Debt-to-Equity of 1.04 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Bank Millennium and its competitors. This is 160% above median its historical median of 0.40. Over the past decade, Bank Millennium's Debt-to-Equity has ranged from 0.26 to 1.08. According to the industry distribution chart, Bank Millennium ranks #968 out of 1422 companies in the Banks industry, placing it in the top 68.1%.
Is Bank Millennium's Debt-to-Equity too high?
Bank Millennium's current Debt-to-Equity of 1.04 is 160% above median its 10-year median of 0.40. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 1.08. The Banks industry median Debt-to-Equity is 0.58. Bank Millennium's value of 1.04 is 79.3% above this industry median. Based on the distribution chart, Bank Millennium ranks #968 out of 1422 companies in the Banks industry, which is below the industry midpoint. Overall, Bank Millennium has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Millennium's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Bank Millennium ranks #968 out of 1422 companies for Debt-to-Equity. This places Bank Millennium in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Bank Millennium's value of 1.04 is 79.3% above this benchmark. Historically, Bank Millennium's own Debt-to-Equity has ranged from 0.26 to 1.08 over the past decade. While the company's 10-year median is 0.40 vs. the industry median of 0.58, Bank Millennium 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. Bank Millennium's current Debt-to-Equity of 1.04 is 79.3% 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 Bank Millennium 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. Bank Millennium's current Debt-to-Equity is 1.04, which is 160% above median its own 10-year median of 0.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Millennium stock overvalued right now?
Based on GuruFocus' analysis, Bank Millennium (WAR:MIL) is currently considered Significantly Overvalued. The stock's GF Value™ is zł10.90, compared to a current price of zł20.58 — trading 88.8% above its estimated fair value. The current Debt-to-Equity is 1.04, which is 160% above median its 10-year median of 0.40 and 79.3% above the Banks industry median of 0.58. Bank Millennium's overall GF Score™ is 56/100 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 Bank Millennium (WAR:MIL), the current Debt-to-Equity is 1.04 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 Bank Millennium (WAR:MIL) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Millennium stock appears to be overvalued.
The current stock price of zł20.58 is trading 88.8% above its estimated GF Value™ of zł10.90.
GuruFocus considers Bank Millennium to be Significantly Overvalued.
Key valuation signals for WAR:MIL:
Debt-to-Equity: 1.04 (160% above median its 10-year median of 0.40)
GF Value™: zł10.90 vs. price of zł20.58 (88.8% above fair value)
Industry Position: 79.3% above the Banks median (#968 of 1422)
No single metric tells the full story. See the WAR:MIL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Millennium SA is a commercial bank group operating in Poland. The bank's operating segments include retail, corporate, FX mortgage loans, treasury operations, assets/liabilities management and other segment. The company derives the majority of its revenue from the retail segment which comprises the banking products and services provided to individual customers on the mass market, affluent customers, sole traders as well as services to small companies.
56GF Score
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