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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Erste Bank Polska's Total Liabilities for the quarter that ended in Jun. 2026 was zł290,324 Mil. Erste Bank Polska's Total Assets for the quarter that ended in Jun. 2026 was zł322,577 Mil.
Therefore, Erste Bank Polska's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 was 0.90.
Erste Bank Polska (LTS:0DVR) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Erste Bank Polska Liabilities-to-Assets Related Terms
Erste Bank Polska Liabilities-to-Assets Historical Data
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The historical data trend for Erste Bank Polska's Liabilities-to-Assets 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 Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Erste Bank Polska's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Erste Bank Polska's Liabilities-to-Assets falls into.
Erste Bank Polska Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Erste Bank Polska's Liabilities-to-Assets 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 Liabilities-to-Assets of 0.90 as of Jun. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Erste Bank Polska and its competitors.
Is Erste Bank Polska's Liabilities-to-Assets too high?
Erste Bank Polska's current Liabilities-to-Assets is 0.90. 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 Liabilities-to-Assets compare to PNC?
Erste Bank Polska's Liabilities-to-Assets of 0.90 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Erste Bank Polska and its competitors. Erste Bank Polska's current Liabilities-to-Assets is 0.90. 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 zł321.93, compared to a current price of zł395.55 — trading 22.9% above its estimated fair value. The current Liabilities-to-Assets is 0.90. 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 Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Erste Bank Polska (LTS:0DVR), the current Liabilities-to-Assets is 0.90 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 22.9% above its estimated GF Value™ of zł321.93.
GuruFocus considers Erste Bank Polska to be Modestly Overvalued.
Key valuation signals for LTS:0DVR:
Liabilities-to-Assets: 0.90
GF Value™: zł321.93 vs. price of zł395.55 (22.9% above fair value)
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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