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Plenti GroupASX:PLT -1.43%48 Debt-to-Equity is 34.20 as of Mar. 2026, which is 13% above its 10-year median of 30.34. GuruFocus rates ASX:PLT with a GF Score™ of 48/100 and a GF Value™ of A$1.10 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 455 Credit Services companies, Plenti Group ranks worse than 99.56% 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 Plenti Group's Debt-to-Equity or its related term are showing as below:
ASX:PLT'
s Debt-to-Equity Range Over the Past 10 Years
Min: 7.32 Med: 30.34 Max: 83.12
Current: 34.2
During the past 6 years, the highest Debt-to-Equity Ratio of Plenti Group was 83.12. The lowest was 7.32. And the median was 30.34.
ASX:PLT's Debt-to-Equity is ranked worse than 99.56% of 455
companies
in the Credit Services industry
Industry Median: 1.23
vs ASX:PLT: 34.20
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.
Plenti Group Debt-to-Equity Related Terms
Plenti Group Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Plenti Group'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, Plenti 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.
Plenti Group Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Plenti Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Plenti 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.
Plenti Group (ASX:PLT) has a Debt-to-Equity of 34.20 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Plenti Group and its competitors. This is 13% above median its historical median of 30.34. Over the past decade, Plenti Group's Debt-to-Equity has ranged from 7.32 to 83.12. According to the industry distribution chart, Plenti Group ranks #453 out of 455 companies in the Credit Services industry, placing it in the top 99.6%.
Is Plenti Group's Debt-to-Equity too high?
Plenti Group's current Debt-to-Equity of 34.20 is 13% above median its 10-year median of 30.34. Over the past 10 years, this metric has ranged from a low of 7.32 to a high of 83.12. The Credit Services industry median Debt-to-Equity is 1.23. Plenti Group's value of 34.20 is 2680.5% above this industry median. Based on the distribution chart, Plenti Group ranks #453 out of 455 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Plenti Group has a GF Score™ of 48/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Plenti Group's Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Plenti Group ranks #453 out of 455 companies for Debt-to-Equity. This places Plenti Group in the lower half of its industry. The industry median Debt-to-Equity is 1.23. Plenti Group's value of 34.20 is 2680.5% above this benchmark. Historically, Plenti Group's own Debt-to-Equity has ranged from 7.32 to 83.12 over the past decade. While the company's 10-year median is 30.34 vs. the industry median of 1.23, Plenti 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. Plenti Group's current Debt-to-Equity of 34.20 is 2680.5% 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 Plenti 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. Plenti Group's current Debt-to-Equity is 34.20, which is 13% above median its own 10-year median of 30.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Plenti Group stock overvalued right now?
Based on GuruFocus' analysis, Plenti Group (ASX:PLT) is currently considered Possible Value Trap. The stock's GF Value™ is A$1.10, compared to a current price of A$0.69 — trading 37.3% below its estimated fair value. The current Debt-to-Equity is 34.20, which is 13% above median its 10-year median of 30.34 and 2680.5% above the Credit Services industry median of 1.23. Plenti Group's overall GF Score™ is 48/100 with 5 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 Plenti Group (ASX:PLT), the current Debt-to-Equity is 34.20 as of Mar. 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 Plenti Group (ASX:PLT) Overvalued in 2026?
Based on GuruFocus' analysis, Plenti Group stock appears to be undervalued.
The current stock price of A$0.69 is trading 37.3% below its estimated GF Value™ of A$1.10.
GuruFocus considers Plenti Group to be Possible Value Trap.
Key valuation signals for ASX:PLT:
Debt-to-Equity: 34.20 (13% above median its 10-year median of 30.34)
GF Value™: A$1.10 vs. price of A$0.69 (37.3% below fair value)
Industry Position: 2680.5% above the Credit Services median (#453 of 455)
No single metric tells the full story. See the ASX:PLT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Plenti Group Ltd is a fintech lender to prime consumer and commercial borrowers. Its operations consist mainly of the provision of financial services in Australia. The company has single operating segment. The company offers offer award-winning automotive, renewable energy and personal loans, delivered by its proprietary technology, to help creditworthy borrowers bring their ideas to life. The company's loan types are Personal Loans, Debt Consolidation Loans, Renovation Loans, Car Loans, EV Loans, Holiday Loans, Medical Loans, Wedding Loans, Motorbike Loans, Moving Cost Loans, Boat Loans, Legal Fee Loans, Solar and Battery Loans, and Caravan Loans.
48GF Score
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