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Erste Bank PolskaLTS:0DVR 80 Equity-to-Asset is 0.10 as of Jun. 2026, which is 17% below its 10-year median of 0.12. GuruFocus rates LTS:0DVR with a GF Score™ of 80/100 and a GF Value™ of zł322.39 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,523 Banks companies, Erste Bank Polska ranks better than 54.5% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Erste Bank Polska's Total Stockholders Equity for the quarter that ended in Jun. 2026 was zł32,197 Mil. Erste Bank Polska's Total Assets for the quarter that ended in Jun. 2026 was zł322,577 Mil.
Therefore, Erste Bank Polska's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.10.
The historical rank and industry rank for Erste Bank Polska's Equity-to-Asset or its related term are showing as below:
LTS:0DVR'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1 Med: 0.12 Max: 0.14
Current: 0.1
During the past 13 years, the highest Equity to Asset Ratio of Erste Bank Polska was 0.14. The lowest was 0.10. And the median was 0.12.
LTS:0DVR's Equity-to-Asset is ranked better than 54.5% of 1523
companies
in the Banks industry
Industry Median: 0.1
vs LTS:0DVR: 0.10
Erste Bank Polska (LTS:0DVR) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Erste Bank Polska Equity-to-Asset Related Terms
Erste Bank Polska Equity-to-Asset Historical Data
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The historical data trend for Erste Bank Polska's Equity-to-Asset can be seen below:
* 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, Erste Bank Polska's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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.
Erste Bank Polska Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Erste Bank Polska's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Erste Bank Polska's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Erste Bank Polska's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
Erste Bank Polska (LTS:0DVR) has a Equity-to-Asset of 0.10 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Erste Bank Polska and its competitors. This is 17% below median its historical median of 0.12. Over the past decade, Erste Bank Polska's Equity-to-Asset has ranged from 0.10 to 0.14. According to the industry distribution chart, Erste Bank Polska ranks #693 out of 1523 companies in the Banks industry, placing it in the top 45.5%.
Is Erste Bank Polska's Equity-to-Asset too high?
Erste Bank Polska's current Equity-to-Asset of 0.10 is 17% below median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.14. The Banks industry median Equity-to-Asset is 0.10. Erste Bank Polska's value of 0.10 is 0% at this industry median. Based on the distribution chart, Erste Bank Polska ranks #693 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, Erste Bank Polska has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Erste Bank Polska's Equity-to-Asset compare to PNC?
According to the Banks industry distribution chart, Erste Bank Polska ranks #693 out of 1523 companies for Equity-to-Asset. This puts Erste Bank Polska in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Erste Bank Polska's value of 0.10 is 0% at this benchmark. Historically, Erste Bank Polska's own Equity-to-Asset has ranged from 0.10 to 0.14 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.10, Erste Bank Polska has consistently been at 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Erste Bank Polska's current Equity-to-Asset of 0.10 is 0% at 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Erste Bank Polska and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Erste Bank Polska's current Equity-to-Asset is 0.10, which is 17% below median its own 10-year median of 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erste Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, Erste Bank Polska (LTS:0DVR) is currently considered Modestly Overvalued. The stock's GF Value™ is zł322.39, compared to a current price of zł395.55 — trading 22.7% above its estimated fair value. The current Equity-to-Asset is 0.10, which is 17% below median its 10-year median of 0.12 and 0% at the Banks industry median of 0.10. Erste Bank Polska's overall GF Score™ is 80/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Erste Bank Polska (LTS:0DVR), the current Equity-to-Asset 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 Erste Bank Polska (LTS:0DVR) Overvalued in 2026?
Based on GuruFocus' analysis, Erste Bank Polska stock appears to be overvalued.
The current stock price of zł395.55 is trading 22.7% above its estimated GF Value™ of zł322.39.
GuruFocus considers Erste Bank Polska to be Modestly Overvalued.
Key valuation signals for LTS:0DVR:
Equity-to-Asset: 0.10 (17% below median its 10-year median of 0.12)
GF Value™: zł322.39 vs. price of zł395.55 (22.7% above fair value)
Industry Position: 0% at the Banks median (#693 of 1523)
No single metric tells the full story. See the LTS:0DVR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Erste Bank Polska SA is a commercial bank. It provides financial products and services such as Personal accounts, Payment cards, Loans, Savings and investments, and products for overseas customers.
80GF Score
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