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Solution DynamicsNZSE:SDL 58 Debt-to-Equity is 0.13 as of Dec. 2025, which is 35% below its 10-year median of 0.20. GuruFocus rates NZSE:SDL with a GF Score™ of 58/100 and a GF Value™ of NZ$0.99 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 2,245 Software companies, Solution Dynamics ranks better than 60.45% 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 Solution Dynamics's Debt-to-Equity or its related term are showing as below:
NZSE:SDL'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0 Med: 0.2 Max: 0.62
Current: 0.13
During the past 13 years, the highest Debt-to-Equity Ratio of Solution Dynamics was 0.62. The lowest was 0.00. And the median was 0.20.
NZSE:SDL's Debt-to-Equity is ranked better than 60.45% of 2245
companies
in the Software industry
Industry Median: 0.2
vs NZSE:SDL: 0.13
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.
Solution Dynamics Debt-to-Equity Related Terms
Solution Dynamics Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Solution Dynamics'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.
NZSE:SDL vs CRM, SHOP, UBER: Debt-to-Equity Comparison
For the Software - Application subindustry, Solution Dynamics'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.
Solution Dynamics Debt-to-Equity vs Software Industry
For the Software industry and Technology sector, Solution Dynamics's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Solution Dynamics'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.
Solution Dynamics (NZSE:SDL) has a Debt-to-Equity of 0.13 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Solution Dynamics and its competitors. This is 35% below median its historical median of 0.20. According to the industry distribution chart, Solution Dynamics ranks #888 out of 2245 companies in the Software industry, placing it in the top 39.6%.
Is Solution Dynamics' Debt-to-Equity too high?
Solution Dynamics' current Debt-to-Equity of 0.13 is 35% below median its 10-year median of 0.20. The Software industry median Debt-to-Equity is 0.20. Solution Dynamics' value of 0.13 is 35% below this industry median. Based on the distribution chart, Solution Dynamics ranks #888 out of 2245 companies in the Software industry, which is above the industry midpoint. Overall, Solution Dynamics has a GF Score™ of 58/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Solution Dynamics' Debt-to-Equity compare to CRM and SHOP?
According to the Software industry distribution chart, Solution Dynamics ranks #888 out of 2245 companies for Debt-to-Equity. This puts Solution Dynamics in the upper half of its industry. The industry median Debt-to-Equity is 0.20. Solution Dynamics' value of 0.13 is 35% below this benchmark. While the company's 10-year median is 0.20 vs. the industry median of 0.20, Solution Dynamics 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 Software company?
The median Debt-to-Equity among Software companies is 0.20, based on 2,245 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. Solution Dynamics's current Debt-to-Equity of 0.13 is 35% 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 Solution Dynamics and its competitors. For the Software industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solution Dynamics's current Debt-to-Equity is 0.13, which is 35% below median its own 10-year median of 0.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Solution Dynamics stock overvalued right now?
Based on GuruFocus' analysis, Solution Dynamics (NZSE:SDL) is currently considered Significantly Undervalued. The stock's GF Value™ is NZ$0.99, compared to a current price of NZ$0.61 — trading 38.4% below its estimated fair value. The current Debt-to-Equity is 0.13, which is 35% below median its 10-year median of 0.20 and 35% below the Software industry median of 0.20. Solution Dynamics' overall GF Score™ is 58/100 with 3 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 Solution Dynamics (NZSE:SDL), the current Debt-to-Equity is 0.13 as of Dec. 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 Solution Dynamics (NZSE:SDL) Overvalued in 2026?
Based on GuruFocus' analysis, Solution Dynamics stock appears to be undervalued.
The current stock price of NZ$0.61 is trading 38.4% below its estimated GF Value™ of NZ$0.99.
GuruFocus considers Solution Dynamics to be Significantly Undervalued.
Key valuation signals for NZSE:SDL:
Debt-to-Equity: 0.13 (35% below median its 10-year median of 0.20)
GF Value™: NZ$0.99 vs. price of NZ$0.61 (38.4% below fair value)
Industry Position: 35% below the Software median (#888 of 2245)
No single metric tells the full story. See the NZSE:SDL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Solution Dynamics Ltd is a company engaged in providing customer communications solutions. Its products and services are represented by revenue streams: Digital Printing & Document Handling Services; and Software and Technology, Outsourced services. Services include digital print and mail house processing for mail items like invoices, statements, and promotional materials. Software and Technology develop and markets its software products related to multi-channel marketing communications including digital asset management, communication templates, campaign management, document archiving, document composition, and desktop mail solutions among others. Its outsourced services elements are the post, freight, paper, and envelopes.
58GF Score
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