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Sentage HoldingsSNTG +10.29%46 Debt-to-Equity is 0.01 as of Dec. 2025, which is at its 10-year median of 0.01. GuruFocus rates SNTG with a GF Score™ of 46/100 and a GF Value™ of $1.02 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 455 Credit Services companies, Sentage Holdings ranks better than 99.78% 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 Sentage Holdings's Debt-to-Equity or its related term are showing as below:
SNTG'
s Debt-to-Equity Range Over the Past 10 Years
Min: -1.57 Med: 0.01 Max: 0.01
Current: 0.01
During the past 8 years, the highest Debt-to-Equity Ratio of Sentage Holdings was 0.01. The lowest was -1.57. And the median was 0.01.
SNTG's Debt-to-Equity is ranked better than 99.78% of 455
companies
in the Credit Services industry
Industry Median: 1.22
vs SNTG: 0.01
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.
Sentage Holdings Debt-to-Equity Related Terms
Sentage Holdings Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Sentage Holdings'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.
SNTG vs SPFX, VNTA, DXF: Debt-to-Equity Comparison
For the Credit Services subindustry, Sentage Holdings'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.
Sentage Holdings Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sentage Holdings's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Sentage Holdings'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.
Sentage Holdings (SNTG) has a Debt-to-Equity of 0.01 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Sentage Holdings and its competitors. This is near median its historical median of 0.01. According to the industry distribution chart, Sentage Holdings ranks #1 out of 455 companies in the Credit Services industry, placing it in the top 0.2%.
Is Sentage Holdings' Debt-to-Equity too high?
Sentage Holdings' current Debt-to-Equity of 0.01 is near median its 10-year median of 0.01. The Credit Services industry median Debt-to-Equity is 1.22. Sentage Holdings' value of 0.01 is 99.2% below this industry median. Based on the distribution chart, Sentage Holdings ranks #1 out of 455 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Sentage Holdings has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sentage Holdings' Debt-to-Equity compare to SPFX and VNTA?
According to the Credit Services industry distribution chart, Sentage Holdings ranks #1 out of 455 companies for Debt-to-Equity. This places Sentage Holdings in the top 0% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 1.22. Sentage Holdings' value of 0.01 is 99.2% below this benchmark. While the company's 10-year median is 0.01 vs. the industry median of 1.22, Sentage Holdings 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 1.22, based on 455 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. Sentage Holdings's current Debt-to-Equity of 0.01 is 99.2% 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 Sentage Holdings and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sentage Holdings's current Debt-to-Equity is 0.01, which is near median its own 10-year median of 0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sentage Holdings stock overvalued right now?
Based on GuruFocus' analysis, Sentage Holdings (SNTG) is currently considered Significantly Overvalued. The stock's GF Value™ is $1.02, compared to a current price of $1.93 — trading 89.2% above its estimated fair value. The current Debt-to-Equity is 0.01, which is near median its 10-year median of 0.01 and 99.2% below the Credit Services industry median of 1.22. Sentage Holdings' overall GF Score™ is 46/100 with 5 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 Sentage Holdings (SNTG), the current Debt-to-Equity is 0.01 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 Sentage Holdings (SNTG) Overvalued in 2026?
Based on GuruFocus' analysis, Sentage Holdings stock appears to be overvalued.
The current stock price of $1.93 is trading 89.2% above its estimated GF Value™ of $1.02.
GuruFocus considers Sentage Holdings to be Significantly Overvalued.
Key valuation signals for SNTG:
Debt-to-Equity: 0.01 (near median its 10-year median of 0.01)
GF Value™: $1.02 vs. price of $1.93 (89.2% above fair value)
Industry Position: 99.2% below the Credit Services median (#1 of 455)
No single metric tells the full story. See the SNTG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sentage Holdings Inc is a financial service provider. The company offers a comprehensive range of financial services across consumer loan repayment and collection management, loan recommendation, and prepaid payment network services in China.
46GF Score
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