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Resimac GroupASX:RMC 58 Debt-to-Equity is 40.66 as of Dec. 2025, which is 7% below its 10-year median of 43.93. GuruFocus rates ASX:RMC with a GF Score™ of 58/100 and a GF Value™ of A$1.23 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,422 Banks companies, Resimac Group ranks worse than 99.72% 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 Resimac Group's Debt-to-Equity or its related term are showing as below:
ASX:RMC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 8.45 Med: 43.93 Max: 93.05
Current: 40.66
During the past 13 years, the highest Debt-to-Equity Ratio of Resimac Group was 93.05. The lowest was 8.45. And the median was 43.93.
ASX:RMC's Debt-to-Equity is ranked worse than 99.72% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs ASX:RMC: 40.66
Resimac Group (ASX:RMC) Debt-to-Equity Explanation
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.
Resimac Group Debt-to-Equity Related Terms
Resimac Group Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Resimac 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.
ASX:RMC vs RKT, FNMA, PFSI: Debt-to-Equity Comparison
For the Mortgage Finance subindustry, Resimac 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.
Resimac Group Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Resimac Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Resimac 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.
Resimac Group (ASX:RMC) has a Debt-to-Equity of 40.66 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Resimac Group and its competitors. This is near median its historical median of 43.93. Over the past decade, Resimac Group's Debt-to-Equity has ranged from 8.45 to 93.05. According to the industry distribution chart, Resimac Group ranks #1418 out of 1422 companies in the Banks industry, placing it in the top 99.7%.
Is Resimac Group's Debt-to-Equity too high?
Resimac Group's current Debt-to-Equity of 40.66 is near median its 10-year median of 43.93. Over the past 10 years, this metric has ranged from a low of 8.45 to a high of 93.05. The Banks industry median Debt-to-Equity is 0.57. Resimac Group's value of 40.66 is 7033.3% above this industry median. Based on the distribution chart, Resimac Group ranks #1418 out of 1422 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Resimac Group has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Resimac Group's Debt-to-Equity compare to RKT and FNMA?
According to the Banks industry distribution chart, Resimac Group ranks #1418 out of 1422 companies for Debt-to-Equity. This places Resimac Group in the lower half of its industry. The industry median Debt-to-Equity is 0.57. Resimac Group's value of 40.66 is 7033.3% above this benchmark. Historically, Resimac Group's own Debt-to-Equity has ranged from 8.45 to 93.05 over the past decade. While the company's 10-year median is 43.93 vs. the industry median of 0.57, Resimac 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 Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,422 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. Resimac Group's current Debt-to-Equity of 40.66 is 7033.3% 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 Resimac Group and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Resimac Group's current Debt-to-Equity is 40.66, which is near median its own 10-year median of 43.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Resimac Group stock overvalued right now?
Based on GuruFocus' analysis, Resimac Group (ASX:RMC) is currently considered Possible Value Trap. The stock's GF Value™ is A$1.23, compared to a current price of A$0.79 — trading 36.2% below its estimated fair value. The current Debt-to-Equity is 40.66, which is near median its 10-year median of 43.93 and 7033.3% above the Banks industry median of 0.57. Resimac Group's overall GF Score™ is 58/100 with 3 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 Resimac Group (ASX:RMC), the current Debt-to-Equity is 40.66 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 Resimac Group (ASX:RMC) Overvalued in 2026?
Based on GuruFocus' analysis, Resimac Group stock appears to be undervalued.
The current stock price of A$0.79 is trading 36.2% below its estimated GF Value™ of A$1.23.
GuruFocus considers Resimac Group to be Possible Value Trap.
Key valuation signals for ASX:RMC:
Debt-to-Equity: 40.66 (near median its 10-year median of 43.93)
GF Value™: A$1.23 vs. price of A$0.79 (36.2% below fair value)
Industry Position: 7033.3% above the Banks median (#1418 of 1422)
No single metric tells the full story. See the ASX:RMC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Resimac Group Ltd provides and services residential mortgage and asset finance lending products through third-party channels in Australia. It focuses on originating and managing a high-quality loan portfolio supported by a flexible international capital markets funding program. The Group offers lending products for consumers and SMEs, distributed via accredited brokers and wholesale channels. It maintains funding relationships and has experience in both international and domestic securitisation markets. The Group operates a risk management framework based on the three lines of defence. Its three segments are Home Loan Lending, New Zealand Lending, and Asset Finance Lending, with the majority of revenue coming from Home Loan Lending.
58GF Score
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