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Quara Finance CoSAU:9596 10 Debt-to-Equity is 1.14 as of Jun. 2026, which is 21% above its 10-year median of 0.94. GuruFocus rates SAU:9596 with a GF Score™ of 10/100. The stock has 6 warning signs investors should review. Among 459 Credit Services companies, Quara Finance Co ranks better than 51.2% 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 Quara Finance Co's Debt-to-Equity or its related term are showing as below:
SAU:9596'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.61 Med: 0.94 Max: 1.14
Current: 1.14
During the past 5 years, the highest Debt-to-Equity Ratio of Quara Finance Co was 1.14. The lowest was 0.61. And the median was 0.94.
SAU:9596's Debt-to-Equity is ranked better than 51.2% of 459
companies
in the Credit Services industry
Industry Median: 1.21
vs SAU:9596: 1.14
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.
Quara Finance Co Debt-to-Equity Related Terms
Quara Finance Co Debt-to-Equity Historical Data
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The historical data trend for Quara Finance Co'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, Quara Finance Co'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.
Quara Finance Co Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Quara Finance Co's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Quara Finance Co'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.
Quara Finance Co (SAU:9596) has a Debt-to-Equity of 1.14 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Quara Finance Co and its competitors. This is 21% above median its historical median of 0.94. Over the past decade, Quara Finance Co's Debt-to-Equity has ranged from 0.61 to 1.14. According to the industry distribution chart, Quara Finance Co ranks #224 out of 459 companies in the Credit Services industry, placing it in the top 48.8%.
Is Quara Finance Co's Debt-to-Equity too high?
Quara Finance Co's current Debt-to-Equity of 1.14 is 21% above median its 10-year median of 0.94. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 1.14. The Credit Services industry median Debt-to-Equity is 1.21. Quara Finance Co's value of 1.14 is 5.8% below this industry median. Based on the distribution chart, Quara Finance Co ranks #224 out of 459 companies in the Credit Services industry, which is above the industry midpoint. Overall, Quara Finance Co has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does Quara Finance Co's Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Quara Finance Co ranks #224 out of 459 companies for Debt-to-Equity. This puts Quara Finance Co in the upper half of its industry. The industry median Debt-to-Equity is 1.21. Quara Finance Co's value of 1.14 is 5.8% below this benchmark. Historically, Quara Finance Co's own Debt-to-Equity has ranged from 0.61 to 1.14 over the past decade. While the company's 10-year median is 0.94 vs. the industry median of 1.21, Quara Finance Co 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 1.21, based on 459 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. Quara Finance Co's current Debt-to-Equity of 1.14 is 5.8% 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 Quara Finance Co and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Quara Finance Co's current Debt-to-Equity is 1.14, which is 21% above median its own 10-year median of 0.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Quara Finance Co stock overvalued right now?
Quara Finance Co (SAU:9596) has a current Debt-to-Equity of 1.14. The current Debt-to-Equity is 1.14, which is 21% above median its 10-year median of 0.94 and 5.8% below the Credit Services industry median of 1.21. Quara Finance Co's overall GF Score™ is 10/100 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 Quara Finance Co (SAU:9596), the current Debt-to-Equity is 1.14 as of Jun. 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.
Quara Finance Co is a Saudi Arabian financial services company that provides Shariah-compliant financing to individuals and businesses in the Kingdom of Saudi Arabia. Its operations span finance leasing, consumer finance, and small and medium enterprise financing. The company serves Saudi nationals and residents employed in both the government and private sectors, offering personal and retail financing products, while its SME segment provides financing solutions to small and medium enterprises. Quara Finance operates through two reportable segments: Retail (personal financing), which accounts for the majority of its revenue, and SME financing. Revenue is generated primarily through financing income, including profit margins and lease payments earned on its financing and leasing portfolios. The company conducts its business exclusively within the Saudi market, where demand for Shariah-compliant consumer and SME financing continues to support its lending activities.
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