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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 Freedom Financial Holdings's Debt-to-Equity or its related term are showing as below:
FDVA'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.19 Med: 0.57 Max: 1.54
Current: 0.83
During the past 13 years, the highest Debt-to-Equity Ratio of Freedom Financial Holdings was 1.54. The lowest was 0.19. And the median was 0.57.
FDVA's Debt-to-Equity is ranked worse than 61.37% of 1411
companies
in the Banks industry
Industry Median: 0.58
vs FDVA: 0.83
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.
Freedom Financial Holdings Debt-to-Equity Related Terms
Freedom Financial Holdings Debt-to-Equity Historical Data
* 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.
FDVA vs PBKC, SOBS, AUBN: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Freedom Financial Holdings'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.
Freedom Financial Holdings Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Freedom Financial Holdings's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Freedom Financial Holdings'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.
Freedom Financial Holdings (FDVA) has a Debt-to-Equity of 0.55 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Freedom Financial Holdings and its competitors. This is near median its historical median of 0.57. Over the past decade, Freedom Financial Holdings' Debt-to-Equity has ranged from 0.19 to 1.54. According to the industry distribution chart, Freedom Financial Holdings ranks #866 out of 1411 companies in the Banks industry, placing it in the top 61.4%.
Is Freedom Financial Holdings' Debt-to-Equity too high?
Freedom Financial Holdings' current Debt-to-Equity of 0.55 is near median its 10-year median of 0.57. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 1.54. The Banks industry median Debt-to-Equity is 0.58. Freedom Financial Holdings' value of 0.55 is 5.2% below this industry median. Based on the distribution chart, Freedom Financial Holdings ranks #866 out of 1411 companies in the Banks industry, which is below the industry midpoint. Overall, Freedom Financial Holdings has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Freedom Financial Holdings' Debt-to-Equity compare to PBKC and SOBS?
According to the Banks industry distribution chart, Freedom Financial Holdings ranks #866 out of 1411 companies for Debt-to-Equity. This places Freedom Financial Holdings in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Freedom Financial Holdings' value of 0.55 is 5.2% below this benchmark. Historically, Freedom Financial Holdings' own Debt-to-Equity has ranged from 0.19 to 1.54 over the past decade. While the company's 10-year median is 0.57 vs. the industry median of 0.58, Freedom Financial Holdings 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 Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,411 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. Freedom Financial Holdings's current Debt-to-Equity of 0.55 is 5.2% 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 Freedom Financial Holdings and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Freedom Financial Holdings's current Debt-to-Equity is 0.55, which is near median its own 10-year median of 0.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Freedom Financial Holdings stock overvalued right now?
Based on GuruFocus' analysis, Freedom Financial Holdings (FDVA) is currently considered Fairly Valued. The stock's GF Value™ is $11.12, compared to a current price of $11.95 — trading 7.5% above its estimated fair value. The current Debt-to-Equity is 0.55, which is near median its 10-year median of 0.57 and 5.2% below the Banks industry median of 0.58. Freedom Financial Holdings' overall GF Score™ is 60/100 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 Freedom Financial Holdings (FDVA), the current Debt-to-Equity is 0.55 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 Freedom Financial Holdings (FDVA) Overvalued in 2026?
Based on GuruFocus' analysis, Freedom Financial Holdings stock appears to be overvalued.
The current stock price of $11.95 is trading 7.5% above its estimated GF Value™ of $11.12.
GuruFocus considers Freedom Financial Holdings to be Fairly Valued.
Key valuation signals for FDVA:
Debt-to-Equity: 0.55 (near median its 10-year median of 0.57)
GF Value™: $11.12 vs. price of $11.95 (7.5% above fair value)
Industry Position: 5.2% below the Banks median (#866 of 1411)
No single metric tells the full story. See the FDVA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Freedom Financial Holdings Inc is a bank holding company. Through its banking subsidiary, it provides various banking products and services such as checking accounts, savings accounts, certificates of deposits, online and mobile banking services, different types of loans and advances, credit cards, and merchant services, among others. The company conducts its business activities through its single reportable segment: community banking. Community banking revolves around serving the community and customers where the bank has branches and offices. Community banking consists of lending, depository, and trust relationships.
60GF Score
Get the complete analysis for FDVA
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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