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Qliro ABFRA:2AI 69 Debt-to-Equity is 4.08 as of Mar. 2026, which is 14% below its 10-year median of 4.74. GuruFocus rates FRA:2AI with a GF Score™ of 69/100 and a GF Value™ of €1.59 (Fairly Valued). The stock has 6 warning signs investors should review. Among 455 Credit Services companies, Qliro AB ranks worse than 81.76% 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 Qliro AB's Debt-to-Equity or its related term are showing as below:
FRA:2AI'
s Debt-to-Equity Range Over the Past 10 Years
Min: 2.75 Med: 4.74 Max: 7.36
Current: 4.08
During the past 9 years, the highest Debt-to-Equity Ratio of Qliro AB was 7.36. The lowest was 2.75. And the median was 4.74.
FRA:2AI's Debt-to-Equity is ranked worse than 81.76% of 455
companies
in the Credit Services industry
Industry Median: 1.23
vs FRA:2AI: 4.08
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.
Qliro AB Debt-to-Equity Related Terms
Qliro AB Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Qliro AB'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, Qliro AB'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.
Qliro AB Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Qliro AB's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Qliro AB'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.
Qliro AB (FRA:2AI) has a Debt-to-Equity of 4.08 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Qliro AB and its competitors. This is 14% below median its historical median of 4.74. Over the past decade, Qliro AB's Debt-to-Equity has ranged from 2.75 to 7.36. According to the industry distribution chart, Qliro AB ranks #372 out of 455 companies in the Credit Services industry, placing it in the top 81.8%.
Is Qliro AB's Debt-to-Equity too high?
Qliro AB's current Debt-to-Equity of 4.08 is 14% below median its 10-year median of 4.74. Over the past 10 years, this metric has ranged from a low of 2.75 to a high of 7.36. The Credit Services industry median Debt-to-Equity is 1.23. Qliro AB's value of 4.08 is 231.7% above this industry median. Based on the distribution chart, Qliro AB ranks #372 out of 455 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Qliro AB has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Qliro AB's Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Qliro AB ranks #372 out of 455 companies for Debt-to-Equity. This places Qliro AB in the lower half of its industry. The industry median Debt-to-Equity is 1.23. Qliro AB's value of 4.08 is 231.7% above this benchmark. Historically, Qliro AB's own Debt-to-Equity has ranged from 2.75 to 7.36 over the past decade. While the company's 10-year median is 4.74 vs. the industry median of 1.23, Qliro AB 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 1.23, based on 455 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. Qliro AB's current Debt-to-Equity of 4.08 is 231.7% 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 Qliro AB and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qliro AB's current Debt-to-Equity is 4.08, which is 14% below median its own 10-year median of 4.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Qliro AB stock overvalued right now?
Based on GuruFocus' analysis, Qliro AB (FRA:2AI) is currently considered Fairly Valued. The stock's GF Value™ is €1.59, compared to a current price of €1.68 — trading 5.7% above its estimated fair value. The current Debt-to-Equity is 4.08, which is 14% below median its 10-year median of 4.74 and 231.7% above the Credit Services industry median of 1.23. Qliro AB's overall GF Score™ is 69/100 with 6 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 Qliro AB (FRA:2AI), the current Debt-to-Equity is 4.08 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 Qliro AB (FRA:2AI) Overvalued in 2026?
Based on GuruFocus' analysis, Qliro AB stock appears to be overvalued.
The current stock price of €1.68 is trading 5.7% above its estimated GF Value™ of €1.59.
GuruFocus considers Qliro AB to be Fairly Valued.
Key valuation signals for FRA:2AI:
Debt-to-Equity: 4.08 (14% below median its 10-year median of 4.74)
GF Value™: €1.59 vs. price of €1.68 (5.7% above fair value)
Industry Position: 231.7% above the Credit Services median (#372 of 455)
No single metric tells the full story. See the FRA:2AI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Qliro AB is a fintech company that provides digital payment solutions to both Enterprise and SME merchants, with a primary focus on e-commerce. Its offering to merchants includes a checkout solution designed to maximise both conversion and upselling. The Unified Payments system integrates all relevant payment methods in one offering, allowing flexible implementation. For consumers, Qliro offers its proprietary invoice and part-payment services (Pay Later) available through connected merchants throughout the Nordics, as well as personal savings accounts in Sweden and Germany. The Group identifies only one operating segment: Payment Solutions. Geographically, it generates maximum revenue from Sweden, and the rest from Finland, Denmark, and Norway.
69GF Score
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