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Liberty Financial GroupASX:LFG -1.52%54 Debt-to-Equity is 12.42 as of Dec. 2025, which is 3% above its 10-year median of 12.02. GuruFocus rates ASX:LFG with a GF Score™ of 54/100 and a GF Value™ of A$5.75 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 455 Credit Services companies, Liberty Financial Group ranks worse than 96.92% 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 Liberty Financial Group's Debt-to-Equity or its related term are showing as below:
ASX:LFG'
s Debt-to-Equity Range Over the Past 10 Years
Min: 11.15 Med: 12.02 Max: 12.42
Current: 12.42
During the past 6 years, the highest Debt-to-Equity Ratio of Liberty Financial Group was 12.42. The lowest was 11.15. And the median was 12.02.
ASX:LFG's Debt-to-Equity is ranked worse than 96.92% of 455
companies
in the Credit Services industry
Industry Median: 1.23
vs ASX:LFG: 12.42
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.
Liberty Financial Group Debt-to-Equity Related Terms
Liberty Financial Group Debt-to-Equity Historical Data
* 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, Liberty Financial Group'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.
Liberty Financial Group Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Liberty Financial Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Liberty Financial Group'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.
Liberty Financial Group (ASX:LFG) has a Debt-to-Equity of 12.42 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Liberty Financial Group and its competitors. This is near median its historical median of 12.02. Over the past decade, Liberty Financial Group's Debt-to-Equity has ranged from 11.15 to 12.42. According to the industry distribution chart, Liberty Financial Group ranks #441 out of 455 companies in the Credit Services industry, placing it in the top 96.9%.
Is Liberty Financial Group's Debt-to-Equity too high?
Liberty Financial Group's current Debt-to-Equity of 12.42 is near median its 10-year median of 12.02. Over the past 10 years, this metric has ranged from a low of 11.15 to a high of 12.42. The Credit Services industry median Debt-to-Equity is 1.23. Liberty Financial Group's value of 12.42 is 909.8% above this industry median. Based on the distribution chart, Liberty Financial Group ranks #441 out of 455 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Liberty Financial Group has a GF Score™ of 54/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Liberty Financial Group's Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Liberty Financial Group ranks #441 out of 455 companies for Debt-to-Equity. This places Liberty Financial Group in the lower half of its industry. The industry median Debt-to-Equity is 1.23. Liberty Financial Group's value of 12.42 is 909.8% above this benchmark. Historically, Liberty Financial Group's own Debt-to-Equity has ranged from 11.15 to 12.42 over the past decade. While the company's 10-year median is 12.02 vs. the industry median of 1.23, Liberty Financial Group 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 1.23, based on 455 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. Liberty Financial Group's current Debt-to-Equity of 12.42 is 909.8% 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 Liberty Financial Group and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Liberty Financial Group's current Debt-to-Equity is 12.42, which is near median its own 10-year median of 12.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Liberty Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Liberty Financial Group (ASX:LFG) is currently considered Significantly Undervalued. The stock's GF Value™ is A$5.75, compared to a current price of A$3.25 — trading 43.5% below its estimated fair value. The current Debt-to-Equity is 12.42, which is near median its 10-year median of 12.02 and 909.8% above the Credit Services industry median of 1.23. Liberty Financial Group's overall GF Score™ is 54/100 with 4 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 Liberty Financial Group (ASX:LFG), the current Debt-to-Equity is 12.42 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 Liberty Financial Group (ASX:LFG) Overvalued in 2026?
Based on GuruFocus' analysis, Liberty Financial Group stock appears to be undervalued.
The current stock price of A$3.25 is trading 43.5% below its estimated GF Value™ of A$5.75.
GuruFocus considers Liberty Financial Group to be Significantly Undervalued.
Key valuation signals for ASX:LFG:
Debt-to-Equity: 12.42 (near median its 10-year median of 12.02)
GF Value™: A$5.75 vs. price of A$3.25 (43.5% below fair value)
Industry Position: 909.8% above the Credit Services median (#441 of 455)
No single metric tells the full story. See the ASX:LFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Founded in 1997, Liberty Financial Group is a nonbank lender operating in Australia and New Zealand. Unlike banks, nonbanks are unable to take customer deposits, a privilege exclusive to Authorized deposit-taking institutions, or ADIs. Liberty operates three business segments: residential, secured finance, and financial services. Mortgages make up about 52% of the loan book, with a focus on higher-risk borrowers. Secured finance makes up 41% of loans, including motor finance, commercial property loans, and self-managed superannuation fund loans. The financial services division includes unsecured personal and small and midsize business loans, mortgage broking, and distribution of general and life insurance.
54GF Score
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Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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