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Yunfeng Financial GroupYNFGF 39 Debt-to-Equity is 0.21 as of Dec. 2025, which is 22% below its 10-year median of 0.27. GuruFocus rates YNFGF with a GF Score™ of 39/100 and a GF Value™ of $0.76. The stock has 2 warning signs investors should review. Among 406 Insurance companies, Yunfeng Financial Group ranks worse than 50.49% 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 Yunfeng Financial Group's Debt-to-Equity or its related term are showing as below:
YNFGF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0 Med: 0.27 Max: 0.34
Current: 0.21
During the past 13 years, the highest Debt-to-Equity Ratio of Yunfeng Financial Group was 0.34. The lowest was 0.00. And the median was 0.27.
YNFGF's Debt-to-Equity is ranked worse than 50.49% of 406
companies
in the Insurance industry
Industry Median: 0.2
vs YNFGF: 0.21
Yunfeng Financial Group (OTCPK:YNFGF) Debt-to-Equity Explanation
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.
Yunfeng Financial Group Debt-to-Equity Related Terms
Yunfeng Financial 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 Insurance - Life subindustry, Yunfeng Financial 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.
Yunfeng Financial Group Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Yunfeng Financial Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Yunfeng Financial 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.
Yunfeng Financial Group (YNFGF) has a Debt-to-Equity of 0.21 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Yunfeng Financial Group and its competitors. This is 22% below median its historical median of 0.27. According to the industry distribution chart, Yunfeng Financial Group ranks #205 out of 406 companies in the Insurance industry, placing it in the top 50.5%.
Is Yunfeng Financial Group's Debt-to-Equity too high?
Yunfeng Financial Group's current Debt-to-Equity of 0.21 is 22% below median its 10-year median of 0.27. The Insurance industry median Debt-to-Equity is 0.20. Yunfeng Financial Group's value of 0.21 is 5% above this industry median. Based on the distribution chart, Yunfeng Financial Group ranks #205 out of 406 companies in the Insurance industry, which is below the industry midpoint. Overall, Yunfeng Financial Group has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does Yunfeng Financial Group's Debt-to-Equity compare to AFL and MET?
According to the Insurance industry distribution chart, Yunfeng Financial Group ranks #205 out of 406 companies for Debt-to-Equity. This places Yunfeng Financial Group in the lower half of its industry. The industry median Debt-to-Equity is 0.20. Yunfeng Financial Group's value of 0.21 is 5% above this benchmark. While the company's 10-year median is 0.27 vs. the industry median of 0.20, Yunfeng Financial 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 an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 406 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. Yunfeng Financial Group's current Debt-to-Equity of 0.21 is 5% 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 Yunfeng Financial Group and its competitors. For the Insurance 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. Yunfeng Financial Group's current Debt-to-Equity is 0.21, which is 22% below median its own 10-year median of 0.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yunfeng Financial Group stock overvalued right now?
Yunfeng Financial Group (YNFGF) has a current Debt-to-Equity of 0.21. The stock's GF Value™ is $0.76, compared to a current price of $0.52 — trading 32.2% below its estimated fair value. The current Debt-to-Equity is 0.21, which is 22% below median its 10-year median of 0.27 and 5% above the Insurance industry median of 0.20. Yunfeng Financial Group's overall GF Score™ is 39/100 with 2 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 Yunfeng Financial Group (YNFGF), the current Debt-to-Equity is 0.21 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 Yunfeng Financial Group (YNFGF) Overvalued in 2026?
Based on GuruFocus' analysis, Yunfeng Financial Group stock appears to be undervalued.
The current stock price of $0.52 is trading 32.2% below its estimated GF Value™ of $0.76.
Key valuation signals for YNFGF:
Debt-to-Equity: 0.21 (22% below median its 10-year median of 0.27)
GF Value™: $0.76 vs. price of $0.52 (32.2% below fair value)
Industry Position: 5% above the Insurance median (#205 of 406)
No single metric tells the full story. See the YNFGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Yunfeng Financial Group Ltd is an investment holding company that provides security trading, advisory, and asset management services. The company operates through two operating segments: Insurance business, which engages in the writing of long-term assurance business; and Other financial services & corporate, which includes Securities brokerage, Wealth management, Principal investment, Consultancy & advisory services, Financial technology activities, and Corporate service. The company's revenue is derived from the Insurance business. The group's operations are in Hong Kong and Macao generating key revenue from Hong Kong region.
39GF Score
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