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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 AGRAM BANKA dionicko drustvo's Debt-to-Equity or its related term are showing as below:
ZAG:KBZ'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.1 Med: 0.2 Max: 2.27
Current: 0.1
During the past 13 years, the highest Debt-to-Equity Ratio of AGRAM BANKA dionicko drustvo was 2.27. The lowest was 0.10. And the median was 0.20.
ZAG:KBZ's Debt-to-Equity is ranked better than 88.89% of 1413
companies
in the Banks industry
Industry Median: 0.58
vs ZAG:KBZ: 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.
AGRAM BANKA dionicko drustvo Debt-to-Equity Related Terms
AGRAM BANKA dionicko drustvo 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, AGRAM BANKA dionicko drustvo'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.
AGRAM BANKA dionicko drustvo Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, AGRAM BANKA dionicko drustvo's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where AGRAM BANKA dionicko drustvo'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.
AGRAM BANKA dionicko drustvo (ZAG:KBZ) has a Debt-to-Equity of 0.10 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on AGRAM BANKA dionicko drustvo and its competitors. This is 50% below median its historical median of 0.20. Over the past decade, AGRAM BANKA dionicko drustvo's Debt-to-Equity has ranged from 0.10 to 2.27. According to the industry distribution chart, AGRAM BANKA dionicko drustvo ranks #157 out of 1413 companies in the Banks industry, placing it in the top 11.1%.
Is AGRAM BANKA dionicko drustvo's Debt-to-Equity too high?
AGRAM BANKA dionicko drustvo's current Debt-to-Equity of 0.10 is 50% below median its 10-year median of 0.20. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 2.27. The Banks industry median Debt-to-Equity is 0.58. AGRAM BANKA dionicko drustvo's value of 0.10 is 82.8% below this industry median. Based on the distribution chart, AGRAM BANKA dionicko drustvo ranks #157 out of 1413 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, AGRAM BANKA dionicko drustvo has a GF Score™ of 82/100, reflecting its overall financial health beyond just this single metric.
How does AGRAM BANKA dionicko drustvo's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, AGRAM BANKA dionicko drustvo ranks #157 out of 1413 companies for Debt-to-Equity. This places AGRAM BANKA dionicko drustvo in the top 11% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. AGRAM BANKA dionicko drustvo's value of 0.10 is 82.8% below this benchmark. Historically, AGRAM BANKA dionicko drustvo's own Debt-to-Equity has ranged from 0.10 to 2.27 over the past decade. While the company's 10-year median is 0.20 vs. the industry median of 0.58, AGRAM BANKA dionicko drustvo 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 1,413 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. AGRAM BANKA dionicko drustvo'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 AGRAM BANKA dionicko drustvo 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. AGRAM BANKA dionicko drustvo's current Debt-to-Equity is 0.10, which is 50% below median its own 10-year median of 0.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AGRAM BANKA dionicko drustvo stock overvalued right now?
AGRAM BANKA dionicko drustvo (ZAG:KBZ) has a current Debt-to-Equity of 0.10. The stock's GF Value™ is €36.72, compared to a current price of €39.80 — trading 8.4% above its estimated fair value. The current Debt-to-Equity is 0.10, which is 50% below median its 10-year median of 0.20 and 82.8% below the Banks industry median of 0.58. AGRAM BANKA dionicko drustvo's overall GF Score™ is 82/100 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 AGRAM BANKA dionicko drustvo (ZAG:KBZ), the current Debt-to-Equity is 0.10 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 AGRAM BANKA dionicko drustvo (ZAG:KBZ) Overvalued in 2026?
Based on GuruFocus' analysis, AGRAM BANKA dionicko drustvo stock appears to be overvalued.
The current stock price of €39.80 is trading 8.4% above its estimated GF Value™ of €36.72.
Key valuation signals for ZAG:KBZ:
Debt-to-Equity: 0.10 (50% below median its 10-year median of 0.20)
GF Value™: €36.72 vs. price of €39.80 (8.4% above fair value)
Industry Position: 82.8% below the Banks median (#157 of 1413)
No single metric tells the full story. See the ZAG:KBZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AGRAM BANKA dionicko drustvo provides banking services. The company's operating segment includes Business banking; Retail banking; and Treasury. It generates maximum revenue from Business banking which entails loan guarantees and deposit operations, card operations, and other transactions with clients who are legal entities. Geographically, it has a presence in Germany; Italy; Croatia; Austria; the United States of America, and Spain.
82GF Score
Get the complete analysis for ZAG:KBZ
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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