Generalfinance SpA (CHIX:GFM) Debt-to-Asset : 0.58 (As of Jun. 2026)

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CHIX:GFM Generalfinance SpA CHIX:GFM
73 GF Score
Price €21.20
! 6 Warning Signs
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What is Generalfinance SpA Debt-to-Asset?

Generalfinance SpA CHIX:GFM 73 Debt-to-Asset is 0.58 as of Jun. 2026. GuruFocus rates CHIX:GFM with a GF Score™ of 73/100. The stock has 6 warning signs investors should review.

Generalfinance SpA's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €0.00 Mil. Generalfinance SpA's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €481.85 Mil. Generalfinance SpA's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was €830.76 Mil. Generalfinance SpA's debt to asset for the quarter that ended in Jun. 2026 was 0.58.

Generalfinance SpA  (CHIX:GFm) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Generalfinance SpA Debt-to-Asset Related Terms

Generalfinance SpA Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Generalfinance SpA's Debt-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.

Generalfinance SpA Debt-to-Asset Chart

Generalfinance SpA Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial 0.78 0.78 0.78 0.74 0.77

Generalfinance SpA Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.76 0.62 0.77 0.54 0.58

CHIX:GFM vs V, MA, AXP: Debt-to-Asset Comparison

For the Credit Services subindustry, Generalfinance SpA's Debt-to-Asset, along with its competitors' market caps and Debt-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.

Generalfinance SpA Debt-to-Asset vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Generalfinance SpA's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Generalfinance SpA's Debt-to-Asset falls into.


CHIX:GFM
73GF Score
Generalfinance SpA CHIX:GFM
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Generalfinance SpA Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Generalfinance SpA's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 646.297) / 842.137
=0.77

Generalfinance SpA's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 481.849) / 830.76
=0.58

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.58 mean?
Generalfinance SpA (CHIX:GFM) has a Debt-to-Asset of 0.58 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Generalfinance SpA and its competitors.
Is Generalfinance SpA's Debt-to-Asset too high?
Generalfinance SpA's current Debt-to-Asset is 0.58. Overall, Generalfinance SpA has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does Generalfinance SpA's Debt-to-Asset compare to V and MA?
Generalfinance SpA's Debt-to-Asset of 0.58 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Credit Services company?
A good Debt-to-Asset depends on the Credit Services industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Generalfinance SpA and its competitors. Generalfinance SpA's current Debt-to-Asset is 0.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Generalfinance SpA stock overvalued right now?
Generalfinance SpA (CHIX:GFM) has a current Debt-to-Asset of 0.58. The current Debt-to-Asset is 0.58. Generalfinance SpA's overall GF Score™ is 73/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Generalfinance SpA (CHIX:GFM), the current Debt-to-Asset is 0.58 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.

Generalfinance SpA Business Description

Other Exchanges GF:ItalyVG30:Germany
Address Via Carso no. 36, Via Piave no.22, Biella, ITA, 13900
Generalfinance SpA operates is engaged in providing factoring services to small and medium-sized companies in financial difficulty. The group offers customized financing solutions to meet the needs of companies operating in the manufacturing, wholesale business, transportation, and construction.
73GF Score

Get the complete analysis for CHIX:GFM

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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