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Expert .AI SpAEXSPF 62 Debt-to-Equity is 0.40 as of Dec. 2025, which is 66% below its 10-year median of 1.17. GuruFocus rates EXSPF with a GF Score™ of 62/100 and a GF Value™ of $1.94 (Fairly Valued). The stock has 4 warning signs investors should review. Among 2,239 Software companies, Expert .AI SpA ranks worse than 65.92% 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 Expert .AI SpA's Debt-to-Equity or its related term are showing as below:
EXSPF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.4 Med: 1.17 Max: 1.36
Current: 0.4
During the past 13 years, the highest Debt-to-Equity Ratio of Expert .AI SpA was 1.36. The lowest was 0.40. And the median was 1.17.
EXSPF's Debt-to-Equity is ranked worse than 65.92% of 2239
companies
in the Software industry
Industry Median: 0.19
vs EXSPF: 0.40
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.
Expert .AI SpA Debt-to-Equity Related Terms
Expert .AI SpA Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Expert .AI SpA'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.
EXSPF vs UBER, SHOP, CRM: Debt-to-Equity Comparison
For the Software - Application subindustry, Expert .AI SpA'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.
Expert .AI SpA Debt-to-Equity vs Software Industry
For the Software industry and Technology sector, Expert .AI SpA's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Expert .AI SpA'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.
Expert .AI SpA (EXSPF) has a Debt-to-Equity of 0.40 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Expert .AI SpA and its competitors. This is 66% below median its historical median of 1.17. Over the past decade, Expert .AI SpA's Debt-to-Equity has ranged from 0.40 to 1.36. According to the industry distribution chart, Expert .AI SpA ranks #1476 out of 2239 companies in the Software industry, placing it in the top 65.9%.
Is Expert .AI SpA's Debt-to-Equity too high?
Expert .AI SpA's current Debt-to-Equity of 0.40 is 66% below median its 10-year median of 1.17. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 1.36. The Software industry median Debt-to-Equity is 0.19. Expert .AI SpA's value of 0.40 is 110.5% above this industry median. Based on the distribution chart, Expert .AI SpA ranks #1476 out of 2239 companies in the Software industry, which is below the industry midpoint. Overall, Expert .AI SpA has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Expert .AI SpA's Debt-to-Equity compare to UBER and SHOP?
According to the Software industry distribution chart, Expert .AI SpA ranks #1476 out of 2239 companies for Debt-to-Equity. This places Expert .AI SpA in the lower half of its industry. The industry median Debt-to-Equity is 0.19. Expert .AI SpA's value of 0.40 is 110.5% above this benchmark. Historically, Expert .AI SpA's own Debt-to-Equity has ranged from 0.40 to 1.36 over the past decade. While the company's 10-year median is 1.17 vs. the industry median of 0.19, Expert .AI SpA 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 Software company?
The median Debt-to-Equity among Software companies is 0.19, based on 2,239 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. Expert .AI SpA's current Debt-to-Equity of 0.40 is 110.5% 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 Expert .AI SpA 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. Expert .AI SpA's current Debt-to-Equity is 0.40, which is 66% below median its own 10-year median of 1.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Expert .AI SpA stock overvalued right now?
Based on GuruFocus' analysis, Expert .AI SpA (EXSPF) is currently considered Fairly Valued. The stock's GF Value™ is $1.94, compared to a current price of $1.83 — trading 5.7% below its estimated fair value. The current Debt-to-Equity is 0.40, which is 66% below median its 10-year median of 1.17 and 110.5% above the Software industry median of 0.19. Expert .AI SpA's overall GF Score™ is 62/100 with 4 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 Expert .AI SpA (EXSPF), the current Debt-to-Equity is 0.40 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 Expert .AI SpA (EXSPF) Overvalued in 2026?
Based on GuruFocus' analysis, Expert .AI SpA stock appears to be undervalued.
The current stock price of $1.83 is trading 5.7% below its estimated GF Value™ of $1.94.
GuruFocus considers Expert .AI SpA to be Fairly Valued.
Key valuation signals for EXSPF:
Debt-to-Equity: 0.40 (66% below median its 10-year median of 1.17)
GF Value™: $1.94 vs. price of $1.83 (5.7% below fair value)
Industry Position: 110.5% above the Software median (#1476 of 2239)
No single metric tells the full story. See the EXSPF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Expert .AI SpA is an artificial intelligence platform for language understanding. Its platform for Natural Language combines symbolic human-like comprehension and machine learning to transform language-intensive processes into practical knowledge, providing the insight required to improve decision making throughout organizations. It offers full range of on-premise, private and public cloud offerings, expert.ai augments business operations, accelerates and scales data science capabilities and simplifies AI adoption across a vast range of industries including Insurance, Banking & Finance, Publishing & Media, Defense & Intelligence, Life Science & Pharma, Oil Gas & Energy, and more.
62GF Score
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