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RFA FinancialRFAFF 41 Debt-to-Equity is 0.77 as of Mar. 2026, which is 23% below its 10-year median of 1.00. GuruFocus rates RFAFF with a GF Score™ of 41/100 and a GF Value™ of $11.62 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 683 REITs companies, RFA Financial ranks better than 51.24% 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 RFA Financial's Debt-to-Equity or its related term are showing as below:
RFAFF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.68 Med: 1 Max: 1.13
Current: 0.77
During the past 13 years, the highest Debt-to-Equity Ratio of RFA Financial was 1.13. The lowest was 0.68. And the median was 1.00.
RFAFF's Debt-to-Equity is ranked better than 51.24% of 683
companies
in the REITs industry
Industry Median: 0.78
vs RFAFF: 0.77
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.
RFA Financial Debt-to-Equity Related Terms
RFA Financial Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for RFA Financial'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.
RFAFF vs VICI, WPC, BNL: Debt-to-Equity Comparison
For the REIT - Diversified subindustry, RFA Financial'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.
RFA Financial Debt-to-Equity vs REITs Industry
For the REITs industry and Real Estate sector, RFA Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where RFA Financial'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.
RFA Financial (RFAFF) has a Debt-to-Equity of 0.77 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on RFA Financial and its competitors. This is 23% below median its historical median of 1.00. Over the past decade, RFA Financial's Debt-to-Equity has ranged from 0.68 to 1.13. According to the industry distribution chart, RFA Financial ranks #333 out of 683 companies in the REITs industry, placing it in the top 48.8%.
Is RFA Financial's Debt-to-Equity too high?
RFA Financial's current Debt-to-Equity of 0.77 is 23% below median its 10-year median of 1.00. Over the past 10 years, this metric has ranged from a low of 0.68 to a high of 1.13. The REITs industry median Debt-to-Equity is 0.78. RFA Financial's value of 0.77 is 1.3% below this industry median. Based on the distribution chart, RFA Financial ranks #333 out of 683 companies in the REITs industry, which is above the industry midpoint. Overall, RFA Financial has a GF Score™ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does RFA Financial's Debt-to-Equity compare to VICI and WPC?
According to the REITs industry distribution chart, RFA Financial ranks #333 out of 683 companies for Debt-to-Equity. This puts RFA Financial in the upper half of its industry. The industry median Debt-to-Equity is 0.78. RFA Financial's value of 0.77 is 1.3% below this benchmark. Historically, RFA Financial's own Debt-to-Equity has ranged from 0.68 to 1.13 over the past decade. While the company's 10-year median is 1.00 vs. the industry median of 0.78, RFA Financial 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 REITs company?
The median Debt-to-Equity among REITs companies is 0.78, based on 683 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. RFA Financial's current Debt-to-Equity of 0.77 is 1.3% 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 RFA Financial and its competitors. For the REITs industry, the median Debt-to-Equity is 0.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RFA Financial's current Debt-to-Equity is 0.77, which is 23% below median its own 10-year median of 1.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is RFA Financial stock overvalued right now?
Based on GuruFocus' analysis, RFA Financial (RFAFF) is currently considered Significantly Overvalued. The stock's GF Value™ is $11.62, compared to a current price of $18.47 — trading 59% above its estimated fair value. The current Debt-to-Equity is 0.77, which is 23% below median its 10-year median of 1.00 and 1.3% below the REITs industry median of 0.78. RFA Financial's overall GF Score™ is 41/100 with 6 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 RFA Financial (RFAFF), the current Debt-to-Equity is 0.77 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 RFA Financial (RFAFF) Overvalued in 2026?
Based on GuruFocus' analysis, RFA Financial stock appears to be overvalued.
The current stock price of $18.47 is trading 59% above its estimated GF Value™ of $11.62.
GuruFocus considers RFA Financial to be Significantly Overvalued.
Key valuation signals for RFAFF:
Debt-to-Equity: 0.77 (23% below median its 10-year median of 1.00)
GF Value™: $11.62 vs. price of $18.47 (59% above fair value)
Industry Position: 1.3% below the REITs median (#333 of 683)
No single metric tells the full story. See the RFAFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
RFA Financial Inc is a scaled and dynamic financial service platform positioned as an intersection of banking, mortgage, origination, and real estate. It aims to deliver long-term value through an integrated approach to banking and mortgage lending, with a focus on competitive, consumer-focused financial products.
41GF Score
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