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FiinuFRA:LWW Debt-to-Equity is 0.69 as of Dec. 2025, which is 886% above its 10-year median of 0.07. The stock has 5 warning signs investors should review. Among 456 Credit Services companies, Fiinu ranks better than 63.82% 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 Fiinu's Debt-to-Equity or its related term are showing as below:
FRA:LWW'
s Debt-to-Equity Range Over the Past 10 Years
Min: -2.33 Med: 0.07 Max: 0.69
Current: 0.69
During the past 7 years, the highest Debt-to-Equity Ratio of Fiinu was 0.69. The lowest was -2.33. And the median was 0.07.
FRA:LWW's Debt-to-Equity is ranked better than 63.82% of 456
companies
in the Credit Services industry
Industry Median: 1.235
vs FRA:LWW: 0.69
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.
Fiinu Debt-to-Equity Related Terms
Fiinu Debt-to-Equity Historical Data
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The historical data trend for Fiinu'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, Fiinu'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.
Fiinu Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Fiinu's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Fiinu'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.
Fiinu (FRA:LWW) has a Debt-to-Equity of 0.69 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Fiinu and its competitors. This is 886% above median its historical median of 0.07. According to the industry distribution chart, Fiinu ranks #165 out of 456 companies in the Credit Services industry, placing it in the top 36.2%.
Is Fiinu's Debt-to-Equity too high?
Fiinu's current Debt-to-Equity of 0.69 is 886% above median its 10-year median of 0.07. The Credit Services industry median Debt-to-Equity is 1.24. Fiinu's value of 0.69 is 44.1% below this industry median. Based on the distribution chart, Fiinu ranks #165 out of 456 companies in the Credit Services industry, which is above the industry midpoint.
How does Fiinu's Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Fiinu ranks #165 out of 456 companies for Debt-to-Equity. This puts Fiinu in the upper half of its industry. The industry median Debt-to-Equity is 1.24. Fiinu's value of 0.69 is 44.1% below this benchmark. While the company's 10-year median is 0.07 vs. the industry median of 1.24, Fiinu 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 1.24, based on 456 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. Fiinu's current Debt-to-Equity of 0.69 is 44.1% 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 Fiinu and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fiinu's current Debt-to-Equity is 0.69, which is 886% above median its own 10-year median of 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fiinu stock overvalued right now?
Fiinu (FRA:LWW) has a current Debt-to-Equity of 0.69. The current Debt-to-Equity is 0.69, which is 886% above median its 10-year median of 0.07 and 44.1% below the Credit Services industry median of 1.24. 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 Fiinu (FRA:LWW), the current Debt-to-Equity is 0.69 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.
Fiinu PLC is a digital banking platform intended to unbundle overdraft solutions without needing to switch banks. The company offers led interest income, deposit margin banking infrastructure provider and helps to manage budget or those short-term unexpected costs, in a simple and responsible way, thereby assisting individuals with short-term unexpected expenses while maintaining financial prudence to reshape banking into a hassle-free, transparent, and efficient journey.
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