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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 UniCredit Bank DD's Debt-to-Equity or its related term are showing as below:
XBLB:NBLB-R-B'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.03 Med: 0.05 Max: 0.34
Current: 0.26
During the past 13 years, the highest Debt-to-Equity Ratio of UniCredit Bank DD was 0.34. The lowest was 0.03. And the median was 0.05.
XBLB:NBLB-R-B's Debt-to-Equity is not ranked
in the Banks industry.
Industry Median: 0.56
vs XBLB:NBLB-R-B: 0.26
UniCredit Bank DD (XBLB:NBLB-R-B) 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.
UniCredit Bank DD Debt-to-Equity Related Terms
UniCredit Bank DD Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for UniCredit Bank DD'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.
XBLB:NBLB-R-B vs PNC, USB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, UniCredit Bank DD'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.
UniCredit Bank DD Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, UniCredit Bank DD's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where UniCredit Bank DD'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.
UniCredit Bank DD (XBLB:NBLB-R-B) has a Debt-to-Equity of 0.26 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on UniCredit Bank DD and its competitors. This is 420% above median its historical median of 0.05. Over the past decade, UniCredit Bank DD's Debt-to-Equity has ranged from 0.03 to 0.34.
Is UniCredit Bank DD's Debt-to-Equity too high?
UniCredit Bank DD's current Debt-to-Equity of 0.26 is 420% above median its 10-year median of 0.05. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.34. The Banks industry median Debt-to-Equity is 0.56. UniCredit Bank DD's value of 0.26 is 53.6% below this industry median. Overall, UniCredit Bank DD has a GF Score™ of 4/100, reflecting its overall financial health beyond just this single metric.
How does UniCredit Bank DD's Debt-to-Equity compare to PNC and USB?
UniCredit Bank DD's Debt-to-Equity of 0.26 can be compared against companies in the Banks industry. The industry median Debt-to-Equity is 0.56. UniCredit Bank DD's value of 0.26 is 53.6% below this benchmark. Historically, UniCredit Bank DD's own Debt-to-Equity has ranged from 0.03 to 0.34 over the past decade. While the company's 10-year median is 0.05 vs. the industry median of 0.56, UniCredit Bank DD 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 0.56, based on 1,425 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. UniCredit Bank DD's current Debt-to-Equity of 0.26 is 53.6% 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 UniCredit Bank DD and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UniCredit Bank DD's current Debt-to-Equity is 0.26, which is 420% above median its own 10-year median of 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UniCredit Bank DD stock overvalued right now?
UniCredit Bank DD (XBLB:NBLB-R-B) has a current Debt-to-Equity of 0.26. The stock's GF Value™ is BAM2,491.73, compared to a current price of BAM1,933.00 — trading 22.4% below its estimated fair value. The current Debt-to-Equity is 0.26, which is 420% above median its 10-year median of 0.05 and 53.6% below the Banks industry median of 0.56. UniCredit Bank DD's overall GF Score™ is 4/100 with 3 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 UniCredit Bank DD (XBLB:NBLB-R-B), the current Debt-to-Equity is 0.26 as of Dec. 2025. 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 UniCredit Bank DD (XBLB:NBLB-R-B) Overvalued in 2026?
Based on GuruFocus' analysis, UniCredit Bank DD stock appears to be undervalued.
The current stock price of BAM1,933.00 is trading 22.4% below its estimated GF Value™ of BAM2,491.73.
Key valuation signals for XBLB:NBLB-R-B:
Debt-to-Equity: 0.26 (420% above median its 10-year median of 0.05)
GF Value™: BAM2,491.73 vs. price of BAM1,933.00 (22.4% below fair value)
No single metric tells the full story. See the XBLB:NBLB-R-B stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
UniCredit Bank DD is a joint-stock company in Bosnia and Herzegovina. It provides a full range of services including retail and corporate banking, risk operations, and finance and operating lease operations. The business segments of the company include Retail, Corporate and Investment Banking, Assets and Liabilities Management, and Central Unit. The company's business users comprise Entrepreneurs, Corporate clients, and Financial Institutions.
4GF Score
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Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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