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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 Komercijalna Banka AD Skopje's Debt-to-Equity or its related term are showing as below:
XMAE:KMB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.04 Med: 0.07 Max: 0.15
Current: 0.15
During the past 13 years, the highest Debt-to-Equity Ratio of Komercijalna Banka AD Skopje was 0.15. The lowest was 0.04. And the median was 0.07.
XMAE:KMB's Debt-to-Equity is ranked better than 82.71% of 1417
companies
in the Banks industry
Industry Median: 0.58
vs XMAE:KMB: 0.15
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.
Komercijalna Banka AD Skopje Debt-to-Equity Related Terms
Komercijalna Banka AD Skopje 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, Komercijalna Banka AD Skopje'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.
Komercijalna Banka AD Skopje Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Komercijalna Banka AD Skopje's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Komercijalna Banka AD Skopje'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.
Komercijalna Banka AD Skopje (XMAE:KMB) has a Debt-to-Equity of 0.15 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Komercijalna Banka AD Skopje and its competitors. This is 114% above median its historical median of 0.07. Over the past decade, Komercijalna Banka AD Skopje's Debt-to-Equity has ranged from 0.04 to 0.15. According to the industry distribution chart, Komercijalna Banka AD Skopje ranks #245 out of 1417 companies in the Banks industry, placing it in the top 17.3%.
Is Komercijalna Banka AD Skopje's Debt-to-Equity too high?
Komercijalna Banka AD Skopje's current Debt-to-Equity of 0.15 is 114% above median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.15. The Banks industry median Debt-to-Equity is 0.58. Komercijalna Banka AD Skopje's value of 0.15 is 74.1% below this industry median. Based on the distribution chart, Komercijalna Banka AD Skopje ranks #245 out of 1417 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Komercijalna Banka AD Skopje has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Komercijalna Banka AD Skopje's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Komercijalna Banka AD Skopje ranks #245 out of 1417 companies for Debt-to-Equity. This places Komercijalna Banka AD Skopje in the top 17% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Komercijalna Banka AD Skopje's value of 0.15 is 74.1% below this benchmark. Historically, Komercijalna Banka AD Skopje's own Debt-to-Equity has ranged from 0.04 to 0.15 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.58, Komercijalna Banka AD Skopje 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 0.58, based on 1,417 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. Komercijalna Banka AD Skopje's current Debt-to-Equity of 0.15 is 74.1% 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 Komercijalna Banka AD Skopje 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. Komercijalna Banka AD Skopje's current Debt-to-Equity is 0.15, which is 114% above median its own 10-year median of 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Komercijalna Banka AD Skopje stock overvalued right now?
Based on GuruFocus' analysis, Komercijalna Banka AD Skopje (XMAE:KMB) is currently considered Modestly Undervalued. The stock's GF Value™ is MKD29,878.86, compared to a current price of MKD25,600.00 — trading 14.3% below its estimated fair value. The current Debt-to-Equity is 0.15, which is 114% above median its 10-year median of 0.07 and 74.1% below the Banks industry median of 0.58. Komercijalna Banka AD Skopje's overall GF Score™ is 70/100 with 5 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 Komercijalna Banka AD Skopje (XMAE:KMB), the current Debt-to-Equity is 0.15 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 Komercijalna Banka AD Skopje (XMAE:KMB) Overvalued in 2026?
Based on GuruFocus' analysis, Komercijalna Banka AD Skopje stock appears to be undervalued.
The current stock price of MKD25,600.00 is trading 14.3% below its estimated GF Value™ of MKD29,878.86.
GuruFocus considers Komercijalna Banka AD Skopje to be Modestly Undervalued.
Key valuation signals for XMAE:KMB:
Debt-to-Equity: 0.15 (114% above median its 10-year median of 0.07)
GF Value™: MKD29,878.86 vs. price of MKD25,600.00 (14.3% below fair value)
Industry Position: 74.1% below the Banks median (#245 of 1417)
No single metric tells the full story. See the XMAE:KMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Komercijalna Banka AD Skopje is a commercial bank. The principal activities of the bank are - collecting deposits, placing loans and advances domestically and abroad, factoring and financing commercial transactions, foreign exchange operations, fast money transfer, trading with foreign currencies, trading with securities, services of a bank-custodian of investment and pension funds, intermediating in selling insurance policies, data collection and analysis of company's credit rating, and many others. It operates in the Republic of Macedonia, Europe, and other EU member countries.
70GF Score
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