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Raiffeisen Bank Aval JSC has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. 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 Raiffeisen Bank Aval JSC's interest coverage with the available data.
Raiffeisen Bank Aval JSC's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.00.
Altman Z-Score does not apply to banks and insurance companies.
Raiffeisen Bank Aval JSC (UKEX:BAVL) 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.
Raiffeisen Bank Aval JSC has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Raiffeisen Bank Aval JSC 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:
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Raiffeisen Bank Aval JSC has enough cash to cover all of its debt. Its financial situation is stable.
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.
Raiffeisen Bank Aval JSC (UKEX:BAVL) has a Financial Strength of 2 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 Raiffeisen Bank Aval JSC and its competitors. This is 50% below median its historical median of 4.00. Over the past decade, Raiffeisen Bank Aval JSC's Financial Strength has ranged from 1.00 to 10.00.
Is Raiffeisen Bank Aval JSC's Financial Strength too high?
Raiffeisen Bank Aval JSC's current Financial Strength of 2 is 50% below median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. Overall, Raiffeisen Bank Aval JSC has a GF Score™ of 6/100, reflecting its overall financial health beyond just this single metric.
How does Raiffeisen Bank Aval JSC's Financial Strength compare to USB and PNC?
Raiffeisen Bank Aval JSC's Financial Strength of 2 can be compared against companies in the Banks industry. Historically, Raiffeisen Bank Aval JSC's own Financial Strength has ranged from 1.00 to 10.00 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 Raiffeisen Bank Aval JSC and its competitors. Raiffeisen Bank Aval JSC's current Financial Strength is 2, which is 50% below median its own 10-year median of 4.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raiffeisen Bank Aval JSC stock overvalued right now?
Raiffeisen Bank Aval JSC (UKEX:BAVL) has a current Financial Strength of 2. The stock's GF Value™ is ₴0.30, compared to a current price of ₴0.25 — trading 16.7% below its estimated fair value. The current Financial Strength is 2, which is 50% below median its 10-year median of 4.00. Raiffeisen Bank Aval JSC's overall GF Score™ is 6/100. 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 Raiffeisen Bank Aval JSC (UKEX:BAVL), the current Financial Strength is 2 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 Raiffeisen Bank Aval JSC (UKEX:BAVL) Overvalued in 2026?
Based on GuruFocus' analysis, Raiffeisen Bank Aval JSC stock appears to be undervalued.
The current stock price of ₴0.25 is trading 16.7% below its estimated GF Value™ of ₴0.30.
Key valuation signals for UKEX:BAVL:
Financial Strength: 2 (50% below median its 10-year median of 4.00)
GF Value™: ₴0.30 vs. price of ₴0.25 (16.7% below fair value)
No single metric tells the full story. See the UKEX:BAVL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Raiffeisen Bank Aval JSC is a Ukraine based bank. It provides banking services to private individuals, corporate clients, and small and micro enterprises in Ukraine through electronic channels. It offers services and products to private individuals, including deposits; money transfers in UAH and foreign currencies, with or without opening an account; a wide list of new payment instruments including MasterCard and Visa International cards; consumer loans and many others. Its segments include Corporate & Small enterprises, Micro customers & Private individuals, Financial institutions, and Proprietary business. The majority of its revenue comes from Corporate & Small enterprises segment.
6GF Score
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