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Lifestore Financial GroupLSFG 58 Debt-to-Equity is 0.09 as of Jun. 2025, which is 70% below its 10-year median of 0.30. GuruFocus rates LSFG with a GF Score™ of 58/100 and a GF Value™ of $50.97 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,426 Banks companies, Lifestore Financial Group ranks better than 89.9% 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 Lifestore Financial Group's Debt-to-Equity or its related term are showing as below:
LSFG'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.09 Med: 0.3 Max: 1.22
Current: 0.09
During the past 13 years, the highest Debt-to-Equity Ratio of Lifestore Financial Group was 1.22. The lowest was 0.09. And the median was 0.30.
LSFG's Debt-to-Equity is ranked better than 89.9% of 1426
companies
in the Banks industry
Industry Median: 0.56
vs LSFG: 0.09
Lifestore Financial Group (OTCPK:LSFG) Debt-to-Equity Explanation
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.
Lifestore Financial Group Debt-to-Equity Related Terms
Lifestore Financial Group 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.
LSFG vs CLST, SMAL, ORBN: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Lifestore 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.
Lifestore Financial Group Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Lifestore Financial Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Lifestore 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.
Lifestore Financial Group (LSFG) has a Debt-to-Equity of 0.09 as of Jun. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Lifestore Financial Group and its competitors. This is 70% below median its historical median of 0.30. Over the past decade, Lifestore Financial Group's Debt-to-Equity has ranged from 0.09 to 1.22. According to the industry distribution chart, Lifestore Financial Group ranks #144 out of 1426 companies in the Banks industry, placing it in the top 10.1%.
Is Lifestore Financial Group's Debt-to-Equity too high?
Lifestore Financial Group's current Debt-to-Equity of 0.09 is 70% below median its 10-year median of 0.30. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 1.22. The Banks industry median Debt-to-Equity is 0.56. Lifestore Financial Group's value of 0.09 is 83.9% below this industry median. Based on the distribution chart, Lifestore Financial Group ranks #144 out of 1426 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Lifestore Financial Group has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Lifestore Financial Group's Debt-to-Equity compare to CLST and SMAL?
According to the Banks industry distribution chart, Lifestore Financial Group ranks #144 out of 1426 companies for Debt-to-Equity. This places Lifestore Financial Group in the top 10% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.56. Lifestore Financial Group's value of 0.09 is 83.9% below this benchmark. Historically, Lifestore Financial Group's own Debt-to-Equity has ranged from 0.09 to 1.22 over the past decade. While the company's 10-year median is 0.30 vs. the industry median of 0.56, Lifestore Financial Group 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 Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,426 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. Lifestore Financial Group's current Debt-to-Equity of 0.09 is 83.9% 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 Lifestore Financial Group and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lifestore Financial Group's current Debt-to-Equity is 0.09, which is 70% below median its own 10-year median of 0.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lifestore Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Lifestore Financial Group (LSFG) is currently considered Modestly Overvalued. The stock's GF Value™ is $50.97, compared to a current price of $63.00 — trading 23.6% above its estimated fair value. The current Debt-to-Equity is 0.09, which is 70% below median its 10-year median of 0.30 and 83.9% below the Banks industry median of 0.56. Lifestore Financial Group's overall GF Score™ is 58/100 with 5 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 Lifestore Financial Group (LSFG), the current Debt-to-Equity is 0.09 as of Jun. 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 Lifestore Financial Group (LSFG) Overvalued in 2026?
Based on GuruFocus' analysis, Lifestore Financial Group stock appears to be overvalued.
The current stock price of $63.00 is trading 23.6% above its estimated GF Value™ of $50.97.
GuruFocus considers Lifestore Financial Group to be Modestly Overvalued.
Key valuation signals for LSFG:
Debt-to-Equity: 0.09 (70% below median its 10-year median of 0.30)
GF Value™: $50.97 vs. price of $63.00 (23.6% above fair value)
Industry Position: 83.9% below the Banks median (#144 of 1426)
No single metric tells the full story. See the LSFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lifestore Financial Group Inc through its subsidiaries, is engaged in providing banking and insurance services. The company offers full-service banking services designed to meet the needs of retail and commercial customers. It also acts as an independent insurance agency offering traditional property and casualty, life, and health insurance products. It operates in two business segments; Banking and Insurance.
58GF Score
Get the complete analysis for LSFG
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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