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Commercial Facilities CoKKUW:FACIL +0.37%8 Debt-to-Equity is 0.69 as of Jun. 2026, which is 10% below its 10-year median of 0.77. GuruFocus rates KUW:FACIL with a GF Score™ of 8/100 and a GF Value™ of KWD0.22 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 456 Credit Services companies, Commercial Facilities CoK 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 Commercial Facilities CoK's Debt-to-Equity or its related term are showing as below:
KUW:FACIL'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.63 Med: 0.77 Max: 1.08
Current: 0.69
During the past 13 years, the highest Debt-to-Equity Ratio of Commercial Facilities CoK was 1.08. The lowest was 0.63. And the median was 0.77.
KUW:FACIL's Debt-to-Equity is ranked better than 63.82% of 456
companies
in the Credit Services industry
Industry Median: 1.235
vs KUW:FACIL: 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.
Commercial Facilities CoK Debt-to-Equity Related Terms
Commercial Facilities CoK 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.
KUW:FACIL vs V, MA, AXP: Debt-to-Equity Comparison
For the Credit Services subindustry, Commercial Facilities CoK'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.
Commercial Facilities CoK Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Commercial Facilities CoK's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Commercial Facilities CoK'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.
Commercial Facilities CoK (KUW:FACIL) has a Debt-to-Equity of 0.69 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Commercial Facilities CoK and its competitors. This is 10% below median its historical median of 0.77. Over the past decade, Commercial Facilities CoK's Debt-to-Equity has ranged from 0.63 to 1.08. According to the industry distribution chart, Commercial Facilities CoK ranks #165 out of 456 companies in the Credit Services industry, placing it in the top 36.2%.
Is Commercial Facilities CoK's Debt-to-Equity too high?
Commercial Facilities CoK's current Debt-to-Equity of 0.69 is 10% below median its 10-year median of 0.77. Over the past 10 years, this metric has ranged from a low of 0.63 to a high of 1.08. The Credit Services industry median Debt-to-Equity is 1.24. Commercial Facilities CoK's value of 0.69 is 44.1% below this industry median. Based on the distribution chart, Commercial Facilities CoK ranks #165 out of 456 companies in the Credit Services industry, which is above the industry midpoint. Overall, Commercial Facilities CoK has a GF Score™ of 8/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Commercial Facilities CoK's Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Commercial Facilities CoK ranks #165 out of 456 companies for Debt-to-Equity. This puts Commercial Facilities CoK in the upper half of its industry. The industry median Debt-to-Equity is 1.24. Commercial Facilities CoK's value of 0.69 is 44.1% below this benchmark. Historically, Commercial Facilities CoK's own Debt-to-Equity has ranged from 0.63 to 1.08 over the past decade. While the company's 10-year median is 0.77 vs. the industry median of 1.24, Commercial Facilities CoK 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. Commercial Facilities CoK'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 Commercial Facilities CoK 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. Commercial Facilities CoK's current Debt-to-Equity is 0.69, which is 10% below median its own 10-year median of 0.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commercial Facilities CoK stock overvalued right now?
Based on GuruFocus' analysis, Commercial Facilities CoK (KUW:FACIL) is currently considered Modestly Overvalued. The stock's GF Value™ is KWD0.22, compared to a current price of KWD0.27 — trading 21.8% above its estimated fair value. The current Debt-to-Equity is 0.69, which is 10% below median its 10-year median of 0.77 and 44.1% below the Credit Services industry median of 1.24. Commercial Facilities CoK's overall GF Score™ is 8/100 with 9 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 Commercial Facilities CoK (KUW:FACIL), the current Debt-to-Equity is 0.69 as of Jun. 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 Commercial Facilities CoK (KUW:FACIL) Overvalued in 2026?
Based on GuruFocus' analysis, Commercial Facilities CoK stock appears to be overvalued.
The current stock price of KWD0.27 is trading 21.8% above its estimated GF Value™ of KWD0.22.
GuruFocus considers Commercial Facilities CoK to be Modestly Overvalued.
Key valuation signals for KUW:FACIL:
Debt-to-Equity: 0.69 (10% below median its 10-year median of 0.77)
GF Value™: KWD0.22 vs. price of KWD0.27 (21.8% above fair value)
Industry Position: 44.1% below the Credit Services median (#165 of 456)
No single metric tells the full story. See the KUW:FACIL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Commercial Facilities Co SAK is a Kuwait-based company engaged in the provision of instalment credit facilities to finance consumer and commercial products. Its services include financing new and used cars, boats, marine equipment, furniture and electrical appliances, basic construction materials, and granting personal cash loans, among others. The company's services fall into four divisions, including Consumer Loans, Cash Loans, Commercial Loans, and Basic Materials Loans. The company also offers its services through online.
8GF Score
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