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SunCar Technology GroupSDA +7.68%50 Debt-to-Equity is 2.58 as of Mar. 2026, which is 34% below its 10-year median of 3.88. GuruFocus rates SDA with a GF Score™ of 50/100 and a GF Value™ of $8.78 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,217 Vehicles & Parts companies, SunCar Technology Group ranks worse than 94.17% 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 SunCar Technology Group's Debt-to-Equity or its related term are showing as below:
SDA'
s Debt-to-Equity Range Over the Past 10 Years
Min: -14.19 Med: 3.88 Max: 34.52
Current: 2.58
During the past 6 years, the highest Debt-to-Equity Ratio of SunCar Technology Group was 34.52. The lowest was -14.19. And the median was 3.88.
SDA's Debt-to-Equity is ranked worse than 94.17% of 1217
companies
in the Vehicles & Parts industry
Industry Median: 0.46
vs SDA: 2.58
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.
SunCar Technology Group Debt-to-Equity Related Terms
SunCar Technology Group Debt-to-Equity Historical Data
* 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 Auto & Truck Dealerships subindustry, SunCar Technology Group'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.
SunCar Technology Group Debt-to-Equity vs Vehicles & Parts Industry
For the Vehicles & Parts industry and Consumer Cyclical sector, SunCar Technology Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where SunCar Technology Group'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.
SunCar Technology Group (SDA) has a Debt-to-Equity of 2.58 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on SunCar Technology Group and its competitors. This is 34% below median its historical median of 3.88. According to the industry distribution chart, SunCar Technology Group ranks #1146 out of 1217 companies in the Vehicles & Parts industry, placing it in the top 94.2%.
Is SunCar Technology Group's Debt-to-Equity too high?
SunCar Technology Group's current Debt-to-Equity of 2.58 is 34% below median its 10-year median of 3.88. The Vehicles & Parts industry median Debt-to-Equity is 0.46. SunCar Technology Group's value of 2.58 is 460.9% above this industry median. Based on the distribution chart, SunCar Technology Group ranks #1146 out of 1217 companies in the Vehicles & Parts industry, which is in the bottom quartile relative to peers. Overall, SunCar Technology Group has a GF Score™ of 50/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SunCar Technology Group's Debt-to-Equity compare to NXB and CRMT?
According to the Vehicles & Parts industry distribution chart, SunCar Technology Group ranks #1146 out of 1217 companies for Debt-to-Equity. This places SunCar Technology Group in the lower half of its industry. The industry median Debt-to-Equity is 0.46. SunCar Technology Group's value of 2.58 is 460.9% above this benchmark. While the company's 10-year median is 3.88 vs. the industry median of 0.46, SunCar Technology Group 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 Vehicles & Parts company?
The median Debt-to-Equity among Vehicles & Parts companies is 0.46, based on 1,217 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. SunCar Technology Group's current Debt-to-Equity of 2.58 is 460.9% 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 SunCar Technology Group and its competitors. For the Vehicles & Parts industry, the median Debt-to-Equity is 0.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SunCar Technology Group's current Debt-to-Equity is 2.58, which is 34% below median its own 10-year median of 3.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SunCar Technology Group stock overvalued right now?
Based on GuruFocus' analysis, SunCar Technology Group (SDA) is currently considered Possible Value Trap. The stock's GF Value™ is $8.78, compared to a current price of $0.85 — trading 90.3% below its estimated fair value. The current Debt-to-Equity is 2.58, which is 34% below median its 10-year median of 3.88 and 460.9% above the Vehicles & Parts industry median of 0.46. SunCar Technology Group's overall GF Score™ is 50/100 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 SunCar Technology Group (SDA), the current Debt-to-Equity is 2.58 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 SunCar Technology Group (SDA) Overvalued in 2026?
Based on GuruFocus' analysis, SunCar Technology Group stock appears to be undervalued.
The current stock price of $0.85 is trading 90.3% below its estimated GF Value™ of $8.78.
GuruFocus considers SunCar Technology Group to be Possible Value Trap.
Key valuation signals for SDA:
Debt-to-Equity: 2.58 (34% below median its 10-year median of 3.88)
GF Value™: $8.78 vs. price of $0.85 (90.3% below fair value)
Industry Position: 460.9% above the Vehicles & Parts median (#1146 of 1217)
No single metric tells the full story. See the SDA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SunCar Technology Group Inc operates digital automotive aftersales market service platform and vehicle insurance technology platform. It develops and operates online platforms that connect drivers in China with a range of aftermarket automotive services and insurance coverage options from a nationwide network of service providers. These comprehensive digital systems are built on SunCar's multi-tenant, cloud-based platform. Revenues from its continuing operations are mainly generated from providing auto eInsurance services, technology services, and auto services.
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