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Muninova HoldingsAIFLY 71 Debt-to-Equity is 3.53 as of Dec. 2025, which is 5% above its 10-year median of 3.36. GuruFocus rates AIFLY with a GF Score™ of 71/100 and a GF Value™ of $1.74. The stock has 6 warning signs investors should review. Among 459 Credit Services companies, Muninova Holdings ranks worse than 76.47% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Muninova Holdings's Debt-to-Equity or its related term are showing as below:
AIFLY'
s Debt-to-Equity Range Over the Past 10 Years
Min: 2.67 Med: 3.36 Max: 3.78
Current: 3.71
During the past 13 years, the highest Debt-to-Equity Ratio of Muninova Holdings was 3.78. The lowest was 2.67. And the median was 3.36.
AIFLY's Debt-to-Equity is ranked worse than 76.47% of 459
companies
in the Credit Services industry
Industry Median: 1.21
vs AIFLY: 3.71
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Muninova Holdings Debt-to-Equity Related Terms
Muninova Holdings Debt-to-Equity Historical Data
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The historical data trend for Muninova Holdings's Debt-to-Equity 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 Credit Services subindustry, Muninova Holdings's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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.
Muninova Holdings Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Muninova Holdings's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Muninova Holdings's Debt-to-Equity falls into.
* 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.
Muninova Holdings (AIFLY) has a Debt-to-Equity of 3.53 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Muninova Holdings and its competitors. This is near median its historical median of 3.36. Over the past decade, Muninova Holdings' Debt-to-Equity has ranged from 2.67 to 3.78. According to the industry distribution chart, Muninova Holdings ranks #351 out of 459 companies in the Credit Services industry, placing it in the top 76.5%.
Is Muninova Holdings' Debt-to-Equity too high?
Muninova Holdings' current Debt-to-Equity of 3.53 is near median its 10-year median of 3.36. Over the past 10 years, this metric has ranged from a low of 2.67 to a high of 3.78. The Credit Services industry median Debt-to-Equity is 1.21. Muninova Holdings' value of 3.53 is 191.7% above this industry median. Based on the distribution chart, Muninova Holdings ranks #351 out of 459 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Muninova Holdings has a GF Score™ of 71/100, reflecting its overall financial health beyond just this single metric.
How does Muninova Holdings' Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Muninova Holdings ranks #351 out of 459 companies for Debt-to-Equity. This places Muninova Holdings in the lower half of its industry. The industry median Debt-to-Equity is 1.21. Muninova Holdings' value of 3.53 is 191.7% above this benchmark. Historically, Muninova Holdings' own Debt-to-Equity has ranged from 2.67 to 3.78 over the past decade. While the company's 10-year median is 3.36 vs. the industry median of 1.21, Muninova Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.21, based on 459 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muninova Holdings's current Debt-to-Equity of 3.53 is 191.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Muninova Holdings and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muninova Holdings's current Debt-to-Equity is 3.53, which is near median its own 10-year median of 3.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Muninova Holdings stock overvalued right now?
Muninova Holdings (AIFLY) has a current Debt-to-Equity of 3.53. The stock's GF Value™ is $1.74, compared to a current price of $1.40 — trading 19.5% below its estimated fair value. The current Debt-to-Equity is 3.53, which is near median its 10-year median of 3.36 and 191.7% above the Credit Services industry median of 1.21. Muninova Holdings' overall GF Score™ is 71/100 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Muninova Holdings (AIFLY), the current Debt-to-Equity is 3.53 as of Dec. 2025. 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 Muninova Holdings (AIFLY) Overvalued in 2026?
Based on GuruFocus' analysis, Muninova Holdings stock appears to be undervalued.
The current stock price of $1.40 is trading 19.5% below its estimated GF Value™ of $1.74.
Key valuation signals for AIFLY:
Debt-to-Equity: 3.53 (near median its 10-year median of 3.36)
GF Value™: $1.74 vs. price of $1.40 (19.5% below fair value)
Industry Position: 191.7% above the Credit Services median (#351 of 459)
No single metric tells the full story. See the AIFLY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Muninova Holdings Inc is focused on the management and administration of group companies engaged in consumer finance, credit card, and related businesses.
71GF Score
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