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IPDC FinanceDHA:IPDC +0.93%63 Debt-to-Equity is 1.94 as of Mar. 2026, which is 12% above its 10-year median of 1.73. GuruFocus rates DHA:IPDC with a GF Score™ of 63/100 and a GF Value™ of BDT22.66 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 456 Credit Services companies, IPDC Finance ranks worse than 61.62% 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 IPDC Finance's Debt-to-Equity or its related term are showing as below:
DHA:IPDC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.41 Med: 1.73 Max: 2.58
Current: 1.94
During the past 12 years, the highest Debt-to-Equity Ratio of IPDC Finance was 2.58. The lowest was 0.41. And the median was 1.73.
DHA:IPDC's Debt-to-Equity is ranked worse than 61.62% of 456
companies
in the Credit Services industry
Industry Median: 1.235
vs DHA:IPDC: 1.94
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.
IPDC Finance Debt-to-Equity Related Terms
IPDC Finance Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for IPDC Finance'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, IPDC Finance'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.
IPDC Finance Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IPDC Finance's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where IPDC Finance'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.
IPDC Finance (DHA:IPDC) has a Debt-to-Equity of 1.94 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on IPDC Finance and its competitors. This is 12% above median its historical median of 1.73. Over the past decade, IPDC Finance's Debt-to-Equity has ranged from 0.41 to 2.58. According to the industry distribution chart, IPDC Finance ranks #281 out of 456 companies in the Credit Services industry, placing it in the top 61.6%.
Is IPDC Finance's Debt-to-Equity too high?
IPDC Finance's current Debt-to-Equity of 1.94 is 12% above median its 10-year median of 1.73. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 2.58. The Credit Services industry median Debt-to-Equity is 1.24. IPDC Finance's value of 1.94 is 57.1% above this industry median. Based on the distribution chart, IPDC Finance ranks #281 out of 456 companies in the Credit Services industry, which is below the industry midpoint. Overall, IPDC Finance has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IPDC Finance's Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, IPDC Finance ranks #281 out of 456 companies for Debt-to-Equity. This places IPDC Finance in the lower half of its industry. The industry median Debt-to-Equity is 1.24. IPDC Finance's value of 1.94 is 57.1% above this benchmark. Historically, IPDC Finance's own Debt-to-Equity has ranged from 0.41 to 2.58 over the past decade. While the company's 10-year median is 1.73 vs. the industry median of 1.24, IPDC Finance 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 1.24, based on 456 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. IPDC Finance's current Debt-to-Equity of 1.94 is 57.1% 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 IPDC Finance and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IPDC Finance's current Debt-to-Equity is 1.94, which is 12% above median its own 10-year median of 1.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IPDC Finance stock overvalued right now?
Based on GuruFocus' analysis, IPDC Finance (DHA:IPDC) is currently considered Significantly Overvalued. The stock's GF Value™ is BDT22.66, compared to a current price of BDT32.50 — trading 43.4% above its estimated fair value. The current Debt-to-Equity is 1.94, which is 12% above median its 10-year median of 1.73 and 57.1% above the Credit Services industry median of 1.24. IPDC Finance's overall GF Score™ is 63/100 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 IPDC Finance (DHA:IPDC), the current Debt-to-Equity is 1.94 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 IPDC Finance (DHA:IPDC) Overvalued in 2026?
Based on GuruFocus' analysis, IPDC Finance stock appears to be overvalued.
The current stock price of BDT32.50 is trading 43.4% above its estimated GF Value™ of BDT22.66.
GuruFocus considers IPDC Finance to be Significantly Overvalued.
Key valuation signals for DHA:IPDC:
Debt-to-Equity: 1.94 (12% above median its 10-year median of 1.73)
GF Value™: BDT22.66 vs. price of BDT32.50 (43.4% above fair value)
Industry Position: 57.1% above the Credit Services median (#281 of 456)
No single metric tells the full story. See the DHA:IPDC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IPDC Finance PLC has diversified its product portfolio and evolved as multiproduct financial institution that is specialised in providing long term and short term finance, project finance, lease finance, supply chain finance, home loan, equity financing, syndication finance, retail finance, Small & Medium Enterprises (SME) finance, asset backed securitisation, retailer finance, factoring finance, and related consultancies. Its segments are Corporate, SME & Emerging, Corporate, and Retail Treasury. The company generates majority of revenue from Corporate segment.
63GF Score
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