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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 Pavlovic International Bank a.d's Debt-to-Equity or its related term are showing as below:
XBLB:PIBB-R-D'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.33 Med: 0.76 Max: 0.98
Current: 0.78
During the past 13 years, the highest Debt-to-Equity Ratio of Pavlovic International Bank a.d was 0.98. The lowest was 0.33. And the median was 0.76.
XBLB:PIBB-R-D's Debt-to-Equity is not ranked
in the Banks industry.
Industry Median: 0.56
vs XBLB:PIBB-R-D: 0.78
Pavlovic International Bank a.d (XBLB:PIBB-R-D) 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.
Pavlovic International Bank a.d Debt-to-Equity Related Terms
Pavlovic International Bank a.d 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.
Pavlovic International Bank a.d Debt-to-Equity Chart
XBLB:PIBB-R-D vs BKESF, TCNB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Pavlovic International Bank a.d'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.
Pavlovic International Bank a.d Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Pavlovic International Bank a.d's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Pavlovic International Bank a.d'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.
Pavlovic International Bank a.d (XBLB:PIBB-R-D) has a Debt-to-Equity of 0.78 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Pavlovic International Bank a.d and its competitors. This is near median its historical median of 0.76. Over the past decade, Pavlovic International Bank a.d's Debt-to-Equity has ranged from 0.33 to 0.98.
Is Pavlovic International Bank a.d's Debt-to-Equity too high?
Pavlovic International Bank a.d's current Debt-to-Equity of 0.78 is near median its 10-year median of 0.76. Over the past 10 years, this metric has ranged from a low of 0.33 to a high of 0.98. The Banks industry median Debt-to-Equity is 0.56. Pavlovic International Bank a.d's value of 0.78 is 39.3% above this industry median. Overall, Pavlovic International Bank a.d has a GF Score™ of 2/100, reflecting its overall financial health beyond just this single metric.
How does Pavlovic International Bank a.d's Debt-to-Equity compare to BKESF and TCNB?
Pavlovic International Bank a.d's Debt-to-Equity of 0.78 can be compared against companies in the Banks industry. The industry median Debt-to-Equity is 0.56. Pavlovic International Bank a.d's value of 0.78 is 39.3% above this benchmark. Historically, Pavlovic International Bank a.d's own Debt-to-Equity has ranged from 0.33 to 0.98 over the past decade. While the company's 10-year median is 0.76 vs. the industry median of 0.56, Pavlovic International Bank a.d 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 0.56, based on 1,423 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. Pavlovic International Bank a.d's current Debt-to-Equity of 0.78 is 39.3% 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 Pavlovic International Bank a.d 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. Pavlovic International Bank a.d's current Debt-to-Equity is 0.78, which is near median its own 10-year median of 0.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pavlovic International Bank a.d stock overvalued right now?
Pavlovic International Bank a.d (XBLB:PIBB-R-D) has a current Debt-to-Equity of 0.78. The current Debt-to-Equity is 0.78, which is near median its 10-year median of 0.76 and 39.3% above the Banks industry median of 0.56. Pavlovic International Bank a.d's overall GF Score™ is 2/100 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 Pavlovic International Bank a.d (XBLB:PIBB-R-D), the current Debt-to-Equity is 0.78 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.
Pavlovic International Bank a.d Business Description
Pavlovic International Bank a.d provides banking services. It provides retail and corporate banking services including loans, overdrafts, consumer loans, housing loans, savings accounts, payment cards, short term loans, and other banking services.
2GF Score
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