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Raiz InvestASX:RZI -0.49%43 Debt-to-Equity is 0.03 as of Dec. 2025, which is 50% above its 10-year median of 0.02. GuruFocus rates ASX:RZI with a GF Score™ of 43/100 and a GF Value™ of A$0.65 (Modestly Undervalued). Among 2,247 Software companies, Raiz Invest ranks better than 85.94% 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 Raiz Invest's Debt-to-Equity or its related term are showing as below:
ASX:RZI'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.02 Max: 0.04
Current: 0.03
During the past 9 years, the highest Debt-to-Equity Ratio of Raiz Invest was 0.04. The lowest was 0.01. And the median was 0.02.
ASX:RZI's Debt-to-Equity is ranked better than 85.94% of 2247
companies
in the Software industry
Industry Median: 0.19
vs ASX:RZI: 0.03
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.
Raiz Invest Debt-to-Equity Related Terms
Raiz Invest Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Raiz Invest'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:RZI vs MSFT, ORCL, PLTR: Debt-to-Equity Comparison
For the Software - Infrastructure subindustry, Raiz Invest'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.
Raiz Invest Debt-to-Equity vs Software Industry
For the Software industry and Technology sector, Raiz Invest's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Raiz Invest'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.
Raiz Invest (ASX:RZI) has a Debt-to-Equity of 0.03 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Raiz Invest and its competitors. This is 50% above median its historical median of 0.02. Over the past decade, Raiz Invest's Debt-to-Equity has ranged from 0.01 to 0.04. According to the industry distribution chart, Raiz Invest ranks #316 out of 2247 companies in the Software industry, placing it in the top 14.1%.
Is Raiz Invest's Debt-to-Equity too high?
Raiz Invest's current Debt-to-Equity of 0.03 is 50% above median its 10-year median of 0.02. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.04. The Software industry median Debt-to-Equity is 0.19. Raiz Invest's value of 0.03 is 84.2% below this industry median. Based on the distribution chart, Raiz Invest ranks #316 out of 2247 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Raiz Invest has a GF Score™ of 43/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Raiz Invest's Debt-to-Equity compare to MSFT and ORCL?
According to the Software industry distribution chart, Raiz Invest ranks #316 out of 2247 companies for Debt-to-Equity. This places Raiz Invest in the top 14% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.19. Raiz Invest's value of 0.03 is 84.2% below this benchmark. Historically, Raiz Invest's own Debt-to-Equity has ranged from 0.01 to 0.04 over the past decade. While the company's 10-year median is 0.02 vs. the industry median of 0.19, Raiz Invest has consistently been below 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 Software company?
The median Debt-to-Equity among Software companies is 0.19, based on 2,247 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. Raiz Invest's current Debt-to-Equity of 0.03 is 84.2% below 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 Raiz Invest and its competitors. For the Software industry, the median Debt-to-Equity is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Raiz Invest's current Debt-to-Equity is 0.03, which is 50% above median its own 10-year median of 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raiz Invest stock overvalued right now?
Based on GuruFocus' analysis, Raiz Invest (ASX:RZI) is currently considered Modestly Undervalued. The stock's GF Value™ is A$0.65, compared to a current price of A$0.51 — trading 21.2% below its estimated fair value. The current Debt-to-Equity is 0.03, which is 50% above median its 10-year median of 0.02 and 84.2% below the Software industry median of 0.19. Raiz Invest's overall GF Score™ is 43/100. 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 Raiz Invest (ASX:RZI), the current Debt-to-Equity is 0.03 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 Raiz Invest (ASX:RZI) Overvalued in 2026?
Based on GuruFocus' analysis, Raiz Invest stock appears to be undervalued.
The current stock price of A$0.51 is trading 21.2% below its estimated GF Value™ of A$0.65.
GuruFocus considers Raiz Invest to be Modestly Undervalued.
Key valuation signals for ASX:RZI:
Debt-to-Equity: 0.03 (50% above median its 10-year median of 0.02)
GF Value™: A$0.65 vs. price of A$0.51 (21.2% below fair value)
Industry Position: 84.2% below the Software median (#316 of 2247)
No single metric tells the full story. See the ASX:RZI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Raiz Invest Ltd provides financial services and products through its mobile-first micro-investing platform which offers its customers an easy way to regularly invest either small or large amounts of money using the Raiz mobile application or through the Raiz website in Australia. The company products include Raiz Rewards, Raiz Kids, and Raiz Property Fund.
43GF Score
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