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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.
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.
Financiera IndependenciaB de CV Sofom E N R Debt-to-Equity Related Terms
Financiera IndependenciaB de CV Sofom E N R 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.
Financiera IndependenciaB de CV Sofom E N R Debt-to-Equity Chart
Financiera IndependenciaB de CV Sofom E N R Annual Data
MEX:FINDEP vs V, MA, AXP: Debt-to-Equity Comparison
For the Credit Services subindustry, Financiera IndependenciaB de CV Sofom E N R'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.
Financiera IndependenciaB de CV Sofom E N R Debt-to-Equity vs Credit Services Industry
* 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.
Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) has a Debt-to-Equity of 0.88 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Financiera IndependenciaB de CV Sofom E N R and its competitors. This is 36% below median its historical median of 1.38. Over the past decade, Financiera IndependenciaB de CV Sofom E N R's Debt-to-Equity has ranged from 0.71 to 1.86. According to the industry distribution chart, Financiera IndependenciaB de CV Sofom E N R ranks #191 out of 456 companies in the Credit Services industry, placing it in the top 41.9%.
Is Financiera IndependenciaB de CV Sofom E N R's Debt-to-Equity too high?
Financiera IndependenciaB de CV Sofom E N R's current Debt-to-Equity of 0.88 is 36% below median its 10-year median of 1.38. Over the past 10 years, this metric has ranged from a low of 0.71 to a high of 1.86. The Credit Services industry median Debt-to-Equity is 1.24. Financiera IndependenciaB de CV Sofom E N R's value of 0.88 is 28.7% below this industry median. Based on the distribution chart, Financiera IndependenciaB de CV Sofom E N R ranks #191 out of 456 companies in the Credit Services industry, which is above the industry midpoint. Overall, Financiera IndependenciaB de CV Sofom E N R has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Financiera IndependenciaB de CV Sofom E N R's Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Financiera IndependenciaB de CV Sofom E N R ranks #191 out of 456 companies for Debt-to-Equity. This puts Financiera IndependenciaB de CV Sofom E N R in the upper half of its industry. The industry median Debt-to-Equity is 1.24. Financiera IndependenciaB de CV Sofom E N R's value of 0.88 is 28.7% below this benchmark. Historically, Financiera IndependenciaB de CV Sofom E N R's own Debt-to-Equity has ranged from 0.71 to 1.86 over the past decade. While the company's 10-year median is 1.38 vs. the industry median of 1.24, Financiera IndependenciaB de CV Sofom E N R 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. Financiera IndependenciaB de CV Sofom E N R's current Debt-to-Equity of 0.88 is 28.7% 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 Financiera IndependenciaB de CV Sofom E N R 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. Financiera IndependenciaB de CV Sofom E N R's current Debt-to-Equity is 0.88, which is 36% below median its own 10-year median of 1.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Financiera IndependenciaB de CV Sofom E N R stock overvalued right now?
Based on GuruFocus' analysis, Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) is currently considered Modestly Undervalued. The stock's GF Value™ is MXN8.18, compared to a current price of MXN7.15 — trading 12.6% below its estimated fair value. The current Debt-to-Equity is 0.88, which is 36% below median its 10-year median of 1.38 and 28.7% below the Credit Services industry median of 1.24. Financiera IndependenciaB de CV Sofom E N R's overall GF Score™ is 56/100 with 4 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 Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP), the current Debt-to-Equity is 0.88 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 Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) Overvalued in 2026?
Based on GuruFocus' analysis, Financiera IndependenciaB de CV Sofom E N R stock appears to be undervalued.
The current stock price of MXN7.15 is trading 12.6% below its estimated GF Value™ of MXN8.18.
GuruFocus considers Financiera IndependenciaB de CV Sofom E N R to be Modestly Undervalued.
Key valuation signals for MEX:FINDEP:
Debt-to-Equity: 0.88 (36% below median its 10-year median of 1.38)
GF Value™: MXN8.18 vs. price of MXN7.15 (12.6% below fair value)
Industry Position: 28.7% below the Credit Services median (#191 of 456)
No single metric tells the full story. See the MEX:FINDEP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Financiera IndependenciaB de CV Sofom E N R Business Description
Financiera Independencia SAB de CV Sofom E N R operates as a microfinance company. The company offers Credipopular for self-employed individuals, CrediMama for mothers with a child, CrediInmediato for employed individuals.
56GF Score
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