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Ser EducacionalBSP:SEER3 -1.83%78 Debt-to-Equity is 0.92 as of Jun. 2026, which is 8% above its 10-year median of 0.85. GuruFocus rates BSP:SEER3 with a GF Score™ of 78/100 and a GF Value™ of R$8.49 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 224 Education companies, Ser Educacional ranks worse than 79.02% 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 Ser Educacional's Debt-to-Equity or its related term are showing as below:
BSP:SEER3'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.35 Med: 0.85 Max: 1.45
Current: 0.92
During the past 13 years, the highest Debt-to-Equity Ratio of Ser Educacional was 1.45. The lowest was 0.35. And the median was 0.85.
BSP:SEER3's Debt-to-Equity is ranked worse than 79.02% of 224
companies
in the Education industry
Industry Median: 0.295
vs BSP:SEER3: 0.92
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.
Ser Educacional Debt-to-Equity Related Terms
Ser Educacional Debt-to-Equity Historical Data
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The historical data trend for Ser Educacional'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.
BSP:SEER3 vs EDU, TAL, LAUR: Debt-to-Equity Comparison
For the Education & Training Services subindustry, Ser Educacional'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.
Ser Educacional Debt-to-Equity vs Education Industry
For the Education industry and Consumer Defensive sector, Ser Educacional's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Ser Educacional'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.
Ser Educacional (BSP:SEER3) has a Debt-to-Equity of 0.92 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Ser Educacional and its competitors. This is near median its historical median of 0.85. Over the past decade, Ser Educacional's Debt-to-Equity has ranged from 0.35 to 1.45. According to the industry distribution chart, Ser Educacional ranks #177 out of 224 companies in the Education industry, placing it in the top 79%.
Is Ser Educacional's Debt-to-Equity too high?
Ser Educacional's current Debt-to-Equity of 0.92 is near median its 10-year median of 0.85. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 1.45. The Education industry median Debt-to-Equity is 0.30. Ser Educacional's value of 0.92 is 211.9% above this industry median. Based on the distribution chart, Ser Educacional ranks #177 out of 224 companies in the Education industry, which is in the bottom quartile relative to peers. Overall, Ser Educacional has a GF Score™ of 78/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ser Educacional's Debt-to-Equity compare to EDU and TAL?
According to the Education industry distribution chart, Ser Educacional ranks #177 out of 224 companies for Debt-to-Equity. This places Ser Educacional in the lower half of its industry. The industry median Debt-to-Equity is 0.30. Ser Educacional's value of 0.92 is 211.9% above this benchmark. Historically, Ser Educacional's own Debt-to-Equity has ranged from 0.35 to 1.45 over the past decade. While the company's 10-year median is 0.85 vs. the industry median of 0.30, Ser Educacional 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 an Education company?
The median Debt-to-Equity among Education companies is 0.30, based on 224 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. Ser Educacional's current Debt-to-Equity of 0.92 is 211.9% 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 Ser Educacional and its competitors. For the Education industry, the median Debt-to-Equity is 0.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ser Educacional's current Debt-to-Equity is 0.92, which is near median its own 10-year median of 0.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ser Educacional stock overvalued right now?
Based on GuruFocus' analysis, Ser Educacional (BSP:SEER3) is currently considered Significantly Overvalued. The stock's GF Value™ is R$8.49, compared to a current price of R$11.81 — trading 39.1% above its estimated fair value. The current Debt-to-Equity is 0.92, which is near median its 10-year median of 0.85 and 211.9% above the Education industry median of 0.30. Ser Educacional's overall GF Score™ is 78/100 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 Ser Educacional (BSP:SEER3), the current Debt-to-Equity is 0.92 as of Jun. 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 Ser Educacional (BSP:SEER3) Overvalued in 2026?
Based on GuruFocus' analysis, Ser Educacional stock appears to be overvalued.
The current stock price of R$11.81 is trading 39.1% above its estimated GF Value™ of R$8.49.
GuruFocus considers Ser Educacional to be Significantly Overvalued.
Key valuation signals for BSP:SEER3:
Debt-to-Equity: 0.92 (near median its 10-year median of 0.85)
GF Value™: R$8.49 vs. price of R$11.81 (39.1% above fair value)
Industry Position: 211.9% above the Education median (#177 of 224)
No single metric tells the full story. See the BSP:SEER3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ser Educacional SA is an education and training services company. It is principally involved in the development and management activities for on-campus and distance-learning undergraduate, graduate, professional training, and other areas of education, and in participation, as a partner or shareholder, in other partnerships and companies in Brazil. Geographically, the operations are carried out through Brazil which also accounts for the majority of the revenue which includes monthly tuitions charged to students enrolled semiannually in regular undergraduate, graduate, distance learning, and technical courses.
78GF Score
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