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Software CircleLSE:SFT -1.27%32 Debt-to-Equity is 0.74 as of Mar. 2026, which is 4% above its 10-year median of 0.71. GuruFocus rates LSE:SFT with a GF Score™ of 32/100 and a GF Value™ of £0.16 (Fairly Valued). The stock has 2 warning signs investors should review. Among 954 Business Services companies, Software Circle ranks worse than 69.08% 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 Software Circle's Debt-to-Equity or its related term are showing as below:
LSE:SFT'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.07 Med: 0.71 Max: 20.17
Current: 0.74
During the past 13 years, the highest Debt-to-Equity Ratio of Software Circle was 20.17. The lowest was 0.07. And the median was 0.71.
LSE:SFT's Debt-to-Equity is ranked worse than 69.08% of 954
companies
in the Business Services industry
Industry Median: 0.33
vs LSE:SFT: 0.74
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.
Software Circle Debt-to-Equity Related Terms
Software Circle Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Software Circle'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.
LSE:SFT vs CTAS, CPRT, GPN: Debt-to-Equity Comparison
For the Specialty Business Services subindustry, Software Circle'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.
Software Circle Debt-to-Equity vs Business Services Industry
For the Business Services industry and Industrials sector, Software Circle's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Software Circle'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.
Software Circle (LSE:SFT) has a Debt-to-Equity of 0.74 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Software Circle and its competitors. This is near median its historical median of 0.71. Over the past decade, Software Circle's Debt-to-Equity has ranged from 0.07 to 20.17. According to the industry distribution chart, Software Circle ranks #659 out of 954 companies in the Business Services industry, placing it in the top 69.1%.
Is Software Circle's Debt-to-Equity too high?
Software Circle's current Debt-to-Equity of 0.74 is near median its 10-year median of 0.71. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 20.17. The Business Services industry median Debt-to-Equity is 0.33. Software Circle's value of 0.74 is 124.2% above this industry median. Based on the distribution chart, Software Circle ranks #659 out of 954 companies in the Business Services industry, which is below the industry midpoint. Overall, Software Circle has a GF Score™ of 32/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Software Circle's Debt-to-Equity compare to CTAS and CPRT?
According to the Business Services industry distribution chart, Software Circle ranks #659 out of 954 companies for Debt-to-Equity. This places Software Circle in the lower half of its industry. The industry median Debt-to-Equity is 0.33. Software Circle's value of 0.74 is 124.2% above this benchmark. Historically, Software Circle's own Debt-to-Equity has ranged from 0.07 to 20.17 over the past decade. While the company's 10-year median is 0.71 vs. the industry median of 0.33, Software Circle 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 Business Services company?
The median Debt-to-Equity among Business Services companies is 0.33, based on 954 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. Software Circle's current Debt-to-Equity of 0.74 is 124.2% 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 Software Circle and its competitors. For the Business Services industry, the median Debt-to-Equity is 0.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Software Circle's current Debt-to-Equity is 0.74, which is near median its own 10-year median of 0.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Software Circle stock overvalued right now?
Based on GuruFocus' analysis, Software Circle (LSE:SFT) is currently considered Fairly Valued. The stock's GF Value™ is £0.16, compared to a current price of £0.16 — trading 3.1% below its estimated fair value. The current Debt-to-Equity is 0.74, which is near median its 10-year median of 0.71 and 124.2% above the Business Services industry median of 0.33. Software Circle's overall GF Score™ is 32/100 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 Software Circle (LSE:SFT), the current Debt-to-Equity is 0.74 as of Mar. 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 Software Circle (LSE:SFT) Overvalued in 2026?
Based on GuruFocus' analysis, Software Circle stock appears to be undervalued.
The current stock price of £0.16 is trading 3.1% below its estimated GF Value™ of £0.16.
GuruFocus considers Software Circle to be Fairly Valued.
Key valuation signals for LSE:SFT:
Debt-to-Equity: 0.74 (near median its 10-year median of 0.71)
GF Value™: £0.16 vs. price of £0.16 (3.1% below fair value)
Industry Position: 124.2% above the Business Services median (#659 of 954)
No single metric tells the full story. See the LSE:SFT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Software Circle PLC is a UK-based company that is an acquirer of great vertical market software businesses. The company operates complex logistics, a SaaS platform, and brands that sell print and web to business customers. The segmental analysis by nature of service includes license fees, company-owned studio revenue, brand partner print, and online sales plus trade print. Some of its brands include Nettl, watermark, and Topfloor. Geographically it has its business across the region of the UK and Ireland, Europe, and others of which the UK and Ireland's region accounts for a majority of the revenue.
32GF Score
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