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Union Internationale de BanquesXTUN:UIB 87 Debt-to-Equity is 0.10 as of Dec. 2025, which is 79% below its 10-year median of 0.47. GuruFocus rates XTUN:UIB with a GF Score™ of 87/100 and a GF Value™ of TND24.59 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,422 Banks companies, Union Internationale de Banques ranks better than 88.68% 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 Union Internationale de Banques's Debt-to-Equity or its related term are showing as below:
XTUN:UIB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.1 Med: 0.47 Max: 0.95
Current: 0.1
During the past 11 years, the highest Debt-to-Equity Ratio of Union Internationale de Banques was 0.95. The lowest was 0.10. And the median was 0.47.
XTUN:UIB's Debt-to-Equity is ranked better than 88.68% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs XTUN:UIB: 0.10
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.
Union Internationale de Banques Debt-to-Equity Related Terms
Union Internationale de Banques 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.
Union Internationale de Banques Debt-to-Equity Chart
For the Banks - Regional subindustry, Union Internationale de Banques'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.
Union Internationale de Banques Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Union Internationale de Banques's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Union Internationale de Banques'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.
Union Internationale de Banques (XTUN:UIB) has a Debt-to-Equity of 0.10 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Union Internationale de Banques and its competitors. This is 79% below median its historical median of 0.47. Over the past decade, Union Internationale de Banques' Debt-to-Equity has ranged from 0.10 to 0.95. According to the industry distribution chart, Union Internationale de Banques ranks #161 out of 1422 companies in the Banks industry, placing it in the top 11.3%.
Is Union Internationale de Banques' Debt-to-Equity too high?
Union Internationale de Banques' current Debt-to-Equity of 0.10 is 79% below median its 10-year median of 0.47. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.95. The Banks industry median Debt-to-Equity is 0.58. Union Internationale de Banques' value of 0.10 is 82.8% below this industry median. Based on the distribution chart, Union Internationale de Banques ranks #161 out of 1422 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Union Internationale de Banques has a GF Score™ of 87/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Union Internationale de Banques' Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Union Internationale de Banques ranks #161 out of 1422 companies for Debt-to-Equity. This places Union Internationale de Banques in the top 11% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Union Internationale de Banques' value of 0.10 is 82.8% below this benchmark. Historically, Union Internationale de Banques' own Debt-to-Equity has ranged from 0.10 to 0.95 over the past decade. While the company's 10-year median is 0.47 vs. the industry median of 0.58, Union Internationale de Banques 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 1,422 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. Union Internationale de Banques's current Debt-to-Equity of 0.10 is 82.8% 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 Union Internationale de Banques 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. Union Internationale de Banques's current Debt-to-Equity is 0.10, which is 79% below median its own 10-year median of 0.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Internationale de Banques stock overvalued right now?
Based on GuruFocus' analysis, Union Internationale de Banques (XTUN:UIB) is currently considered Significantly Overvalued. The stock's GF Value™ is TND24.59, compared to a current price of TND34.10 — trading 38.7% above its estimated fair value. The current Debt-to-Equity is 0.10, which is 79% below median its 10-year median of 0.47 and 82.8% below the Banks industry median of 0.58. Union Internationale de Banques' overall GF Score™ is 87/100 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 Union Internationale de Banques (XTUN:UIB), the current Debt-to-Equity is 0.10 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 Union Internationale de Banques (XTUN:UIB) Overvalued in 2026?
Based on GuruFocus' analysis, Union Internationale de Banques stock appears to be overvalued.
The current stock price of TND34.10 is trading 38.7% above its estimated GF Value™ of TND24.59.
GuruFocus considers Union Internationale de Banques to be Significantly Overvalued.
Key valuation signals for XTUN:UIB:
Debt-to-Equity: 0.10 (79% below median its 10-year median of 0.47)
GF Value™: TND24.59 vs. price of TND34.10 (38.7% above fair value)
Industry Position: 82.8% below the Banks median (#161 of 1422)
No single metric tells the full story. See the XTUN:UIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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