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Manx Financial GroupFRA:3IM -2.33%52 Debt-to-Equity is 1.27 as of Dec. 2025, which is 26% above its 10-year median of 1.01. GuruFocus rates FRA:3IM with a GF Score™ of 52/100 and a GF Value™ of €0.27 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,422 Banks companies, Manx Financial Group ranks worse than 73.77% 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 Manx Financial Group's Debt-to-Equity or its related term are showing as below:
FRA:3IM'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.57 Med: 1.01 Max: 1.27
Current: 1.27
During the past 13 years, the highest Debt-to-Equity Ratio of Manx Financial Group was 1.27. The lowest was 0.57. And the median was 1.01.
FRA:3IM's Debt-to-Equity is ranked worse than 73.77% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs FRA:3IM: 1.27
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.
Manx Financial Group Debt-to-Equity Related Terms
Manx Financial Group Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Manx Financial Group'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 Banks - Regional subindustry, Manx Financial Group'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.
Manx Financial Group Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Manx Financial Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Manx Financial Group'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.
Manx Financial Group (FRA:3IM) has a Debt-to-Equity of 1.27 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Manx Financial Group and its competitors. This is 26% above median its historical median of 1.01. Over the past decade, Manx Financial Group's Debt-to-Equity has ranged from 0.57 to 1.27. According to the industry distribution chart, Manx Financial Group ranks #1049 out of 1422 companies in the Banks industry, placing it in the top 73.8%.
Is Manx Financial Group's Debt-to-Equity too high?
Manx Financial Group's current Debt-to-Equity of 1.27 is 26% above median its 10-year median of 1.01. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 1.27. The Banks industry median Debt-to-Equity is 0.58. Manx Financial Group's value of 1.27 is 119% above this industry median. Based on the distribution chart, Manx Financial Group ranks #1049 out of 1422 companies in the Banks industry, which is below the industry midpoint. Overall, Manx Financial Group has a GF Score™ of 52/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Manx Financial Group's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Manx Financial Group ranks #1049 out of 1422 companies for Debt-to-Equity. This places Manx Financial Group in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Manx Financial Group's value of 1.27 is 119% above this benchmark. Historically, Manx Financial Group's own Debt-to-Equity has ranged from 0.57 to 1.27 over the past decade. While the company's 10-year median is 1.01 vs. the industry median of 0.58, Manx Financial Group 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 Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 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. Manx Financial Group's current Debt-to-Equity of 1.27 is 119% 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 Manx Financial Group 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. Manx Financial Group's current Debt-to-Equity is 1.27, which is 26% above median its own 10-year median of 1.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Manx Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Manx Financial Group (FRA:3IM) is currently considered Fairly Valued. The stock's GF Value™ is €0.27, compared to a current price of €0.25 — trading 6.7% below its estimated fair value. The current Debt-to-Equity is 1.27, which is 26% above median its 10-year median of 1.01 and 119% above the Banks industry median of 0.58. Manx Financial Group's overall GF Score™ is 52/100 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 Manx Financial Group (FRA:3IM), the current Debt-to-Equity is 1.27 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 Manx Financial Group (FRA:3IM) Overvalued in 2026?
Based on GuruFocus' analysis, Manx Financial Group stock appears to be undervalued.
The current stock price of €0.25 is trading 6.7% below its estimated GF Value™ of €0.27.
GuruFocus considers Manx Financial Group to be Fairly Valued.
Key valuation signals for FRA:3IM:
Debt-to-Equity: 1.27 (26% above median its 10-year median of 1.01)
GF Value™: €0.27 vs. price of €0.25 (6.7% below fair value)
Industry Position: 119% above the Banks median (#1049 of 1422)
No single metric tells the full story. See the FRA:3IM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Manx Financial Group PLC is a banking company. The group along with its subsidiaries offers retail and commercial banking services, payment solutions, wealth management, general insurance, and life insurance. It operates in three product orientated segments along with investing activities: Asset and Personal Finance (including provision of HP contracts, finance leases, personal loans, commercial loans, block discounting, vehicle stocking plans and wholesale funding agreements); Edgewater Associates Limited (provision of financial advice); and MFX Limited (provision of foreign currency transaction services). The Group currently operates in one geographic segment comprising of the Isle of Man, and UK region.
52GF Score
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