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Paycloud HoldingsTSE:4015 -1.38%73 Debt-to-Equity is 0.38 as of Feb. 2026, which is 14% below its 10-year median of 0.44. GuruFocus rates TSE:4015 with a GF Score™ of 73/100 and a GF Value™ of 円906.06 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 2,246 Software companies, Paycloud Holdings ranks worse than 62.87% 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 Paycloud Holdings's Debt-to-Equity or its related term are showing as below:
TSE:4015'
s Debt-to-Equity Range Over the Past 10 Years
Min: -83.53 Med: 0.44 Max: 95.87
Current: 0.36
During the past 8 years, the highest Debt-to-Equity Ratio of Paycloud Holdings was 95.87. The lowest was -83.53. And the median was 0.44.
TSE:4015's Debt-to-Equity is ranked worse than 62.87% of 2246
companies
in the Software industry
Industry Median: 0.2
vs TSE:4015: 0.36
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.
Paycloud Holdings Debt-to-Equity Related Terms
Paycloud Holdings Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Paycloud 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.
TSE:4015 vs CRM, SHOP, UBER: Debt-to-Equity Comparison
For the Software - Application subindustry, Paycloud 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.
Paycloud Holdings Debt-to-Equity vs Software Industry
For the Software industry and Technology sector, Paycloud Holdings's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Paycloud 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.
Paycloud Holdings (TSE:4015) has a Debt-to-Equity of 0.38 as of Feb. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Paycloud Holdings and its competitors. This is 14% below median its historical median of 0.44. According to the industry distribution chart, Paycloud Holdings ranks #1412 out of 2246 companies in the Software industry, placing it in the top 62.9%.
Is Paycloud Holdings' Debt-to-Equity too high?
Paycloud Holdings' current Debt-to-Equity of 0.38 is 14% below median its 10-year median of 0.44. The Software industry median Debt-to-Equity is 0.20. Paycloud Holdings' value of 0.38 is 90% above this industry median. Based on the distribution chart, Paycloud Holdings ranks #1412 out of 2246 companies in the Software industry, which is below the industry midpoint. Overall, Paycloud Holdings has a GF Score™ of 73/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Paycloud Holdings' Debt-to-Equity compare to CRM and SHOP?
According to the Software industry distribution chart, Paycloud Holdings ranks #1412 out of 2246 companies for Debt-to-Equity. This places Paycloud Holdings in the lower half of its industry. The industry median Debt-to-Equity is 0.20. Paycloud Holdings' value of 0.38 is 90% above this benchmark. While the company's 10-year median is 0.44 vs. the industry median of 0.20, Paycloud Holdings 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 Software company?
The median Debt-to-Equity among Software companies is 0.20, based on 2,246 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. Paycloud Holdings's current Debt-to-Equity of 0.38 is 90% 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 Paycloud Holdings 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. Paycloud Holdings's current Debt-to-Equity is 0.38, which is 14% below median its own 10-year median of 0.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paycloud Holdings stock overvalued right now?
Based on GuruFocus' analysis, Paycloud Holdings (TSE:4015) is currently considered Significantly Undervalued. The stock's GF Value™ is 円906.06, compared to a current price of 円502.00 — trading 44.6% below its estimated fair value. The current Debt-to-Equity is 0.38, which is 14% below median its 10-year median of 0.44 and 90% above the Software industry median of 0.20. Paycloud Holdings' overall GF Score™ is 73/100 with 4 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 Paycloud Holdings (TSE:4015), the current Debt-to-Equity is 0.38 as of Feb. 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 Paycloud Holdings (TSE:4015) Overvalued in 2026?
Based on GuruFocus' analysis, Paycloud Holdings stock appears to be undervalued.
The current stock price of 円502.00 is trading 44.6% below its estimated GF Value™ of 円906.06.
GuruFocus considers Paycloud Holdings to be Significantly Undervalued.
Key valuation signals for TSE:4015:
Debt-to-Equity: 0.38 (14% below median its 10-year median of 0.44)
GF Value™: 円906.06 vs. price of 円502.00 (44.6% below fair value)
Industry Position: 90% above the Software median (#1412 of 2246)
No single metric tells the full story. See the TSE:4015 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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