Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
ValaFRA:2JY 25 Debt-to-Equity is 0.03 as of Dec. 2025, which is 77% below its 10-year median of 0.13. GuruFocus rates FRA:2JY with a GF Score™ of 25/100. Among 450 Credit Services companies, Vala ranks better than 95.11% 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 Vala's Debt-to-Equity or its related term are showing as below:
FRA:2JY'
s Debt-to-Equity Range Over the Past 10 Years
Min: -0.15 Med: 0.13 Max: 0.27
Current: 0.03
During the past 11 years, the highest Debt-to-Equity Ratio of Vala was 0.27. The lowest was -0.15. And the median was 0.13.
FRA:2JY's Debt-to-Equity is ranked better than 95.11% of 450
companies
in the Credit Services industry
Industry Median: 1.22
vs FRA:2JY: 0.03
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.
Vala Debt-to-Equity Related Terms
Vala Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Vala'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, Vala'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.
Vala Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Vala's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Vala'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.
Vala (FRA:2JY) has a Debt-to-Equity of 0.03 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Vala and its competitors. This is 77% below median its historical median of 0.13. According to the industry distribution chart, Vala ranks #22 out of 450 companies in the Credit Services industry, placing it in the top 4.9%.
Is Vala's Debt-to-Equity too high?
Vala's current Debt-to-Equity of 0.03 is 77% below median its 10-year median of 0.13. The Credit Services industry median Debt-to-Equity is 1.22. Vala's value of 0.03 is 97.5% below this industry median. Based on the distribution chart, Vala ranks #22 out of 450 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Vala has a GF Score™ of 25/100, reflecting its overall financial health beyond just this single metric.
How does Vala's Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Vala ranks #22 out of 450 companies for Debt-to-Equity. This places Vala in the top 5% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 1.22. Vala's value of 0.03 is 97.5% below this benchmark. While the company's 10-year median is 0.13 vs. the industry median of 1.22, Vala 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 Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.22, based on 450 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. Vala's current Debt-to-Equity of 0.03 is 97.5% 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 Vala and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vala's current Debt-to-Equity is 0.03, which is 77% below median its own 10-year median of 0.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vala stock overvalued right now?
Vala (FRA:2JY) has a current Debt-to-Equity of 0.03. The current Debt-to-Equity is 0.03, which is 77% below median its 10-year median of 0.13 and 97.5% below the Credit Services industry median of 1.22. Vala's overall GF Score™ is 25/100. 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 Vala (FRA:2JY), the current Debt-to-Equity is 0.03 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.
Vala Inc is an investment holding company. Along with its subsidiaries, the company is principally engaged in the provision of valalife business, SaaS services, financial technology services and Children's entertainment business in the People's Republic of China. The Group has three reportable segments: the valalife business, the SaaS business and the credit facilitation business. The company operates in Mainland China.
25GF Score
Get the complete analysis for FRA:2JY
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:2JY has been successfully added to your 
