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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 UMT United Mobility Technology AG's Debt-to-Equity or its related term are showing as below:
HAM:UMD's Debt-to-Equity is not ranked *
in the Software industry.
Industry Median: 0.2 * Ranked among companies with meaningful Debt-to-Equity only.
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.
UMT United Mobility Technology AG Debt-to-Equity Related Terms
UMT United Mobility Technology AG 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.
UMT United Mobility Technology AG Debt-to-Equity Chart
HAM:UMD vs MSFT, PLTR, ORCL: Debt-to-Equity Comparison
For the Software - Infrastructure subindustry, UMT United Mobility Technology AG'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.
UMT United Mobility Technology AG Debt-to-Equity vs Software Industry
For the Software industry and Technology sector, UMT United Mobility Technology AG's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where UMT United Mobility Technology AG'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.
UMT United Mobility Technology AG (HAM:UMD) has a Debt-to-Equity of 0.00 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on UMT United Mobility Technology AG and its competitors. According to the industry distribution chart, UMT United Mobility Technology AG ranks #999999 out of 2245 companies in the Software industry.
Is UMT United Mobility Technology AG's Debt-to-Equity too high?
UMT United Mobility Technology AG's current Debt-to-Equity is 0.00. Based on the distribution chart, UMT United Mobility Technology AG ranks #999999 out of 2245 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, UMT United Mobility Technology AG has a GF Score™ of 42/100, reflecting its overall financial health beyond just this single metric.
How does UMT United Mobility Technology AG's Debt-to-Equity compare to MSFT and PLTR?
According to the Software industry distribution chart, UMT United Mobility Technology AG ranks #999999 out of 2245 companies for Debt-to-Equity. This places UMT United Mobility Technology AG in the lower half of its industry. The industry median Debt-to-Equity is 0.20. 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 Software company?
The median Debt-to-Equity among Software companies is 0.20, based on 2,245 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. 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 UMT United Mobility Technology AG and its competitors. For the Software industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UMT United Mobility Technology AG's current Debt-to-Equity is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UMT United Mobility Technology AG stock overvalued right now?
UMT United Mobility Technology AG (HAM:UMD) has a current Debt-to-Equity of 0.00. The stock's GF Value™ is €0.91, compared to a current price of €1.03 — trading 13.2% above its estimated fair value. The current Debt-to-Equity is 0.00. UMT United Mobility Technology AG's overall GF Score™ is 42/100 with 2 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 UMT United Mobility Technology AG (HAM:UMD), the current Debt-to-Equity is 0.00 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 UMT United Mobility Technology AG (HAM:UMD) Overvalued in 2026?
Based on GuruFocus' analysis, UMT United Mobility Technology AG stock appears to be overvalued.
The current stock price of €1.03 is trading 13.2% above its estimated GF Value™ of €0.91.
Key valuation signals for HAM:UMD:
Debt-to-Equity: 0.00
GF Value™: €0.91 vs. price of €1.03 (13.2% above fair value)
No single metric tells the full story. See the HAM:UMD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
UMT United Mobility Technology AG offers service and solutions for mobile and electronic payment systems and in the field of data analytics. It focuses on industries and companies that are future-oriented and crisis-resistant, as well as have a low degree of digitization in the B2B and B2C sectors. It serves Hotel, infrastructure, automotive, passenger transport, mobile phone service providers and other industries. The company offers solutions especially for large-scale customers such as PAYBACK app. Geographically all the activities are functioned through the region of Germany.
42GF Score
Get the complete analysis for HAM:UMD
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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