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National Bank of Greece has the Financial Strength Rank of 1. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
National Bank of Greece SA displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate National Bank of Greece's interest coverage with the available data.
National Bank of Greece's debt to revenue ratio for the quarter that ended in Jun. 2026 was 1.61.
Altman Z-Score does not apply to banks and insurance companies.
National Bank of Greece (LUX:GREEC) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
National Bank of Greece has the Financial Strength Rank of 1. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
National Bank of Greece Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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.
National Bank of Greece (LUX:GREEC) has a Financial Strength of 1 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on National Bank of Greece and its competitors. This is 67% below median its historical median of 3.00. Over the past decade, National Bank of Greece's Financial Strength has ranged from 1.00 to 5.00.
Is National Bank of Greece's Financial Strength too high?
National Bank of Greece's current Financial Strength of 1 is 67% below median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 5.00. Overall, National Bank of Greece has a GF Score™ of 50/100, reflecting its overall financial health beyond just this single metric.
How does National Bank of Greece's Financial Strength compare to USB and PNC?
National Bank of Greece's Financial Strength of 1 can be compared against companies in the Banks industry. Historically, National Bank of Greece's own Financial Strength has ranged from 1.00 to 5.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on National Bank of Greece and its competitors. National Bank of Greece's current Financial Strength is 1, which is 67% below median its own 10-year median of 3.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank of Greece stock overvalued right now?
National Bank of Greece (LUX:GREEC) has a current Financial Strength of 1. The stock's GF Value™ is €43.61, compared to a current price of €92.25 — trading 111.5% above its estimated fair value. The current Financial Strength is 1, which is 67% below median its 10-year median of 3.00. National Bank of Greece's overall GF Score™ is 50/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For National Bank of Greece (LUX:GREEC), the current Financial Strength is 1 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 National Bank of Greece (LUX:GREEC) Overvalued in 2026?
Based on GuruFocus' analysis, National Bank of Greece stock appears to be overvalued.
The current stock price of €92.25 is trading 111.5% above its estimated GF Value™ of €43.61.
Key valuation signals for LUX:GREEC:
Financial Strength: 1 (67% below median its 10-year median of 3.00)
GF Value™: €43.61 vs. price of €92.25 (111.5% above fair value)
No single metric tells the full story. See the LUX:GREEC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Bank of Greece SA consists of several subsidiaries offering diverse financial services, including retail, corporate, and investment banking, specialized asset solutions, transactional banking, leasing, factoring, brokerage, asset management, real estate management, and bancassurance-related services. Its segments include Retail Banking, Corporate and Investment Banking, Trouble Assets Units, Global Markets and Asset Management, International Banking Operations, and Other. The group generates maximum revenue from the Retail Banking segment, which, through its branch network and digital business, offers various types of loans (mortgage, consumer, and small business lending), cards (debit, credit, and prepaid cards), deposits, investment, bancassurance, and other products.
50GF Score
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Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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