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Mitsubishi HC CapitalMIUFF 80 Debt-to-Equity is 4.64 as of Mar. 2026, which is 19% below its 10-year median of 5.74. GuruFocus rates MIUFF with a GF Score™ of 80/100 and a GF Value™ of $6.35. The stock has 4 warning signs investors should review. Among 455 Credit Services companies, Mitsubishi HC Capital ranks worse than 84.18% 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 Mitsubishi HC Capital's Debt-to-Equity or its related term are showing as below:
MIUFF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 4.64 Med: 5.74 Max: 6.3
Current: 4.64
During the past 13 years, the highest Debt-to-Equity Ratio of Mitsubishi HC Capital was 6.30. The lowest was 4.64. And the median was 5.74.
MIUFF's Debt-to-Equity is ranked worse than 84.18% of 455
companies
in the Credit Services industry
Industry Median: 1.23
vs MIUFF: 4.64
Mitsubishi HC Capital (OTCPK:MIUFF) 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.
Mitsubishi HC Capital Debt-to-Equity Related Terms
Mitsubishi HC Capital Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Mitsubishi HC Capital'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.
For the Credit Services subindustry, Mitsubishi HC Capital'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.
Mitsubishi HC Capital Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mitsubishi HC Capital's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Mitsubishi HC Capital'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.
Mitsubishi HC Capital (MIUFF) has a Debt-to-Equity of 4.64 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Mitsubishi HC Capital and its competitors. This is 19% below median its historical median of 5.74. Over the past decade, Mitsubishi HC Capital's Debt-to-Equity has ranged from 4.64 to 6.30. According to the industry distribution chart, Mitsubishi HC Capital ranks #383 out of 455 companies in the Credit Services industry, placing it in the top 84.2%.
Is Mitsubishi HC Capital's Debt-to-Equity too high?
Mitsubishi HC Capital's current Debt-to-Equity of 4.64 is 19% below median its 10-year median of 5.74. Over the past 10 years, this metric has ranged from a low of 4.64 to a high of 6.30. The Credit Services industry median Debt-to-Equity is 1.23. Mitsubishi HC Capital's value of 4.64 is 277.2% above this industry median. Based on the distribution chart, Mitsubishi HC Capital ranks #383 out of 455 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Mitsubishi HC Capital has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does Mitsubishi HC Capital's Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Mitsubishi HC Capital ranks #383 out of 455 companies for Debt-to-Equity. This places Mitsubishi HC Capital in the lower half of its industry. The industry median Debt-to-Equity is 1.23. Mitsubishi HC Capital's value of 4.64 is 277.2% above this benchmark. Historically, Mitsubishi HC Capital's own Debt-to-Equity has ranged from 4.64 to 6.30 over the past decade. While the company's 10-year median is 5.74 vs. the industry median of 1.23, Mitsubishi HC Capital 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 Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.23, based on 455 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. Mitsubishi HC Capital's current Debt-to-Equity of 4.64 is 277.2% 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 Mitsubishi HC Capital and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mitsubishi HC Capital's current Debt-to-Equity is 4.64, which is 19% below median its own 10-year median of 5.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mitsubishi HC Capital stock overvalued right now?
Mitsubishi HC Capital (MIUFF) has a current Debt-to-Equity of 4.64. The stock's GF Value™ is $6.35, compared to a current price of $7.50 — trading 18.1% above its estimated fair value. The current Debt-to-Equity is 4.64, which is 19% below median its 10-year median of 5.74 and 277.2% above the Credit Services industry median of 1.23. Mitsubishi HC Capital's overall GF Score™ is 80/100 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 Mitsubishi HC Capital (MIUFF), the current Debt-to-Equity is 4.64 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 Mitsubishi HC Capital (MIUFF) Overvalued in 2026?
Based on GuruFocus' analysis, Mitsubishi HC Capital stock appears to be overvalued.
The current stock price of $7.50 is trading 18.1% above its estimated GF Value™ of $6.35.
Key valuation signals for MIUFF:
Debt-to-Equity: 4.64 (19% below median its 10-year median of 5.74)
GF Value™: $6.35 vs. price of $7.50 (18.1% above fair value)
Industry Position: 277.2% above the Credit Services median (#383 of 455)
No single metric tells the full story. See the MIUFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mitsubishi HC Capital Inc is a Japan-based company engaged in providing comprehensive financial services. The company operates through several reportable segments, including Customer Solution, Overseas Region, Environmental Energy, Aviation, Logistics, Real Estate, and Mobility. Its businesses include finance solutions for corporations and government agencies, energy-saving and vendor finance, renewable energy and environmental finance, aircraft and engine leasing, marine container and railway freight car leasing, real estate finance and investment, and automobile leasing and related services. It generates the majority of its revenue from the Customer Solutions segment.
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