NFSE (nFinanSe) Debt-to-Equity: 1.00 (As of Sep. 2011)

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What is nFinanSe Debt-to-Equity?

nFinanSe NFSE Debt-to-Equity is 1.00 as of Sep. 2011.

nFinanSe's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2011 was $2.00 Mil. nFinanSe's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2011 was $0.00 Mil. nFinanSe's Total Stockholders Equity for the quarter that ended in Sep. 2011 was $2.00 Mil. nFinanSe's debt to equity for the quarter that ended in Sep. 2011 was 1.00.

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 nFinanSe's Debt-to-Equity or its related term are showing as below:

NFSE's Debt-to-Equity is not ranked *
in the Banks industry.
Industry Median: 0.57
* Ranked among companies with meaningful Debt-to-Equity only.

nFinanSe  (OTCPK:NFSE) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

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.

nFinanSe Debt-to-Equity Related Terms

nFinanSe Debt-to-Equity Historical Data

* Premium members only.

The historical data trend for nFinanSe'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.

nFinanSe Debt-to-Equity Chart

nFinanSe Annual Data
Trend Aug01 Aug02 Aug03 Sep04 Sep05 Sep06 Dec07 Dec08 Dec09 Dec10
Debt-to-Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only -1.15 0.00 0.25 0.09 0.53

nFinanSe Quarterly Data
Dec06 Mar07 Jun07 Sep07 Dec07 Mar08 Jun08 Sep08 Dec08 Mar09 Jun09 Sep09 Dec09 Mar10 Jun10 Sep10 Dec10 Mar11 Jun11 Sep11
Debt-to-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.20 0.53 0.44 0.56 1.00

NFSE vs DHCPQ: Debt-to-Equity Comparison

For the Mortgage Finance subindustry, nFinanSe'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.

nFinanSe Debt-to-Equity vs Banks Industry

For the Banks industry and Financial Services sector, nFinanSe's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where nFinanSe's Debt-to-Equity falls into.


nFinanSe Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

nFinanSe's Debt to Equity Ratio for the fiscal year that ended in Dec. 2010 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(1 + 0) / 1.872
=0.53

nFinanSe's Debt to Equity Ratio for the quarter that ended in Sep. 2011 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(2 + 0) / 2.003
=1.00

* 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.

Frequently Asked Questions Learn more about Debt-to-Equity →
What does a Debt-to-Equity of 1.00 mean?
nFinanSe (NFSE) has a Debt-to-Equity of 1.00 as of Sep. 2011. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on nFinanSe and its competitors.
Is nFinanSe's Debt-to-Equity too high?
nFinanSe's current Debt-to-Equity is 1.00. The Banks industry median Debt-to-Equity is 0.57. nFinanSe's value of 1.00 is 75.4% above this industry median.
How does nFinanSe's Debt-to-Equity compare to DHCPQ?
nFinanSe's Debt-to-Equity of 1.00 can be compared against companies in the Banks industry. The industry median Debt-to-Equity is 0.57. nFinanSe's value of 1.00 is 75.4% above this benchmark. 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 0.57, based on 1,418 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. nFinanSe's current Debt-to-Equity of 1.00 is 75.4% 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 nFinanSe and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. nFinanSe's current Debt-to-Equity is 1.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is nFinanSe stock overvalued right now?
nFinanSe (NFSE) has a current Debt-to-Equity of 1.00. The current Debt-to-Equity is 1.00 and 75.4% above the Banks industry median of 0.57. 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 nFinanSe (NFSE), the current Debt-to-Equity is 1.00 as of Sep. 2011. 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.

nFinanSe Business Description

Address P.O. Box 89233, Tampa, FL, USA, 33619
nFinanSe Inc is a United States based provider of stored value cards for a variety of markets, including grocery stores, convenience stores and general merchandise stores.