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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. Bank Ochrony Srodowiska's Total Liabilities for the quarter that ended in Mar. 2026 was zł24,478 Mil. Bank Ochrony Srodowiska's Total Assets for the quarter that ended in Mar. 2026 was zł26,849 Mil.
Therefore, Bank Ochrony Srodowiska's Liabilities-to-Assets Ratio for the quarter that ended in Mar. 2026 was 0.91.
Bank Ochrony Srodowiska (WAR:BOS) 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.
Bank Ochrony Srodowiska Liabilities-to-Assets Related Terms
Bank Ochrony Srodowiska Liabilities-to-Assets Historical Data
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The historical data trend for Bank Ochrony Srodowiska'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.
Bank Ochrony Srodowiska Liabilities-to-Assets Chart
WAR:BOS vs PNC, USB: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, Bank Ochrony Srodowiska'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.
Bank Ochrony Srodowiska Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Bank Ochrony Srodowiska's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Bank Ochrony Srodowiska's Liabilities-to-Assets falls into.
Bank Ochrony Srodowiska 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.
Bank Ochrony Srodowiska'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.
Bank Ochrony Srodowiska (WAR:BOS) has a Liabilities-to-Assets of 0.91 as of Mar. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Bank Ochrony Srodowiska and its competitors.
Is Bank Ochrony Srodowiska's Liabilities-to-Assets too high?
Bank Ochrony Srodowiska's current Liabilities-to-Assets is 0.91. Overall, Bank Ochrony Srodowiska has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank Ochrony Srodowiska's Liabilities-to-Assets compare to PNC and USB?
Bank Ochrony Srodowiska's Liabilities-to-Assets of 0.91 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 Bank Ochrony Srodowiska and its competitors. Bank Ochrony Srodowiska's current Liabilities-to-Assets is 0.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Ochrony Srodowiska stock overvalued right now?
Based on GuruFocus' analysis, Bank Ochrony Srodowiska (WAR:BOS) is currently considered Fairly Valued. The stock's GF Value™ is zł10.58, compared to a current price of zł10.74 — trading 1.5% above its estimated fair value. The current Liabilities-to-Assets is 0.91. Bank Ochrony Srodowiska's overall GF Score™ is 61/100 with 4 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 Bank Ochrony Srodowiska (WAR:BOS), the current Liabilities-to-Assets is 0.91 as of Mar. 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 Bank Ochrony Srodowiska (WAR:BOS) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Ochrony Srodowiska stock appears to be overvalued.
The current stock price of zł10.74 is trading 1.5% above its estimated GF Value™ of zł10.58.
GuruFocus considers Bank Ochrony Srodowiska to be Fairly Valued.
Key valuation signals for WAR:BOS:
Liabilities-to-Assets: 0.91
GF Value™: zł10.58 vs. price of zł10.74 (1.5% above fair value)
No single metric tells the full story. See the WAR:BOS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Ochrony Srodowiska SA is engaged in providing banking and financial services. The company offers a range of services to individuals, corporate clients, and local government units. The company operates through Institutional Clients; Retail Clients; Treasury and Investment Activity; and Other segments.
61GF Score
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