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Banque Nationale AgricoleXTUN:BNA -0.08%77 Debt-to-Equity is 0.28 as of Dec. 2025, which is 35% below its 10-year median of 0.43. GuruFocus rates XTUN:BNA with a GF Score™ of 77/100 and a GF Value™ of TND9.34 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,410 Banks companies, Banque Nationale Agricole ranks better than 70.78% 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 Banque Nationale Agricole's Debt-to-Equity or its related term are showing as below:
XTUN:BNA'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.28 Med: 0.43 Max: 0.94
Current: 0.28
During the past 13 years, the highest Debt-to-Equity Ratio of Banque Nationale Agricole was 0.94. The lowest was 0.28. And the median was 0.43.
XTUN:BNA's Debt-to-Equity is ranked better than 70.78% of 1410
companies
in the Banks industry
Industry Median: 0.58
vs XTUN:BNA: 0.28
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.
Banque Nationale Agricole Debt-to-Equity Related Terms
Banque Nationale Agricole 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, Banque Nationale Agricole'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.
Banque Nationale Agricole Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Banque Nationale Agricole's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Banque Nationale Agricole'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.
Banque Nationale Agricole (XTUN:BNA) has a Debt-to-Equity of 0.28 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Banque Nationale Agricole and its competitors. This is 35% below median its historical median of 0.43. Over the past decade, Banque Nationale Agricole's Debt-to-Equity has ranged from 0.28 to 0.94. According to the industry distribution chart, Banque Nationale Agricole ranks #412 out of 1410 companies in the Banks industry, placing it in the top 29.2%.
Is Banque Nationale Agricole's Debt-to-Equity too high?
Banque Nationale Agricole's current Debt-to-Equity of 0.28 is 35% below median its 10-year median of 0.43. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 0.94. The Banks industry median Debt-to-Equity is 0.58. Banque Nationale Agricole's value of 0.28 is 51.7% below this industry median. Based on the distribution chart, Banque Nationale Agricole ranks #412 out of 1410 companies in the Banks industry, which is above the industry midpoint. Overall, Banque Nationale Agricole has a GF Score™ of 77/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banque Nationale Agricole's Debt-to-Equity compare to USB?
According to the Banks industry distribution chart, Banque Nationale Agricole ranks #412 out of 1410 companies for Debt-to-Equity. This puts Banque Nationale Agricole in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Banque Nationale Agricole's value of 0.28 is 51.7% below this benchmark. Historically, Banque Nationale Agricole's own Debt-to-Equity has ranged from 0.28 to 0.94 over the past decade. While the company's 10-year median is 0.43 vs. the industry median of 0.58, Banque Nationale Agricole 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 1,410 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. Banque Nationale Agricole's current Debt-to-Equity of 0.28 is 51.7% 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 Banque Nationale Agricole 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. Banque Nationale Agricole's current Debt-to-Equity is 0.28, which is 35% below median its own 10-year median of 0.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banque Nationale Agricole stock overvalued right now?
Based on GuruFocus' analysis, Banque Nationale Agricole (XTUN:BNA) is currently considered Significantly Overvalued. The stock's GF Value™ is TND9.34, compared to a current price of TND23.60 — trading 152.7% above its estimated fair value. The current Debt-to-Equity is 0.28, which is 35% below median its 10-year median of 0.43 and 51.7% below the Banks industry median of 0.58. Banque Nationale Agricole's overall GF Score™ is 77/100 with 2 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 Banque Nationale Agricole (XTUN:BNA), the current Debt-to-Equity is 0.28 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 Banque Nationale Agricole (XTUN:BNA) Overvalued in 2026?
Based on GuruFocus' analysis, Banque Nationale Agricole stock appears to be overvalued.
The current stock price of TND23.60 is trading 152.7% above its estimated GF Value™ of TND9.34.
GuruFocus considers Banque Nationale Agricole to be Significantly Overvalued.
Key valuation signals for XTUN:BNA:
Debt-to-Equity: 0.28 (35% below median its 10-year median of 0.43)
GF Value™: TND9.34 vs. price of TND23.60 (152.7% above fair value)
Industry Position: 51.7% below the Banks median (#412 of 1410)
No single metric tells the full story. See the XTUN:BNA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banque Nationale Agricole SA is engaged in providing banking services. The activities of the bank include accepting deposits, granting loans, credit financing, and other services.
77GF Score
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