Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) Liabilities-to-Assets : 0.52 (As of Jun. 2026)

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MEX:FINDEP Financiera Independencia SAB de CV Sofom E N R MEX:FINDEP
56 GF Score
Price MXN7.15
GF Value MXN8.18
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Financiera IndependenciaB de CV Sofom E N R Liabilities-to-Assets?

Financiera IndependenciaB de CV Sofom E N R MEX:FINDEP 56 Liabilities-to-Assets is 0.52 as of Jun. 2026. GuruFocus rates MEX:FINDEP with a GF Score™ of 56/100 and a GF Value™ of MXN8.18 (Modestly Undervalued). The stock has 4 warning signs investors should review.

Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Financiera IndependenciaB de CV Sofom E N R's Total Liabilities for the quarter that ended in Jun. 2026 was MXN5,777 Mil. Financiera IndependenciaB de CV Sofom E N R's Total Assets for the quarter that ended in Jun. 2026 was MXN11,205 Mil. Therefore, Financiera IndependenciaB de CV Sofom E N R's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 was 0.52.


Financiera IndependenciaB de CV Sofom E N R  (MEX:FINDEP) Liabilities-to-Assets Explanation

Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.


Financiera IndependenciaB de CV Sofom E N R Liabilities-to-Assets Related Terms


Financiera IndependenciaB de CV Sofom E N R Liabilities-to-Assets Historical Data

* Premium members only.

The historical data trend for Financiera IndependenciaB de CV Sofom E N R's Liabilities-to-Assets 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.

Financiera IndependenciaB de CV Sofom E N R Liabilities-to-Assets Chart

Financiera IndependenciaB de CV Sofom E N R Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Liabilities-to-Assets
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.58 0.59 0.50 0.46 0.52

Financiera IndependenciaB de CV Sofom E N R Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Liabilities-to-Assets Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.55 0.54 0.52 0.51 0.52

MEX:FINDEP vs V, MA, AXP: Liabilities-to-Assets Comparison

For the Credit Services subindustry, Financiera IndependenciaB de CV Sofom E N R's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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.


Financiera IndependenciaB de CV Sofom E N R Liabilities-to-Assets vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Financiera IndependenciaB de CV Sofom E N R's Liabilities-to-Assets distribution charts can be found below:

* The bar in red indicates where Financiera IndependenciaB de CV Sofom E N R's Liabilities-to-Assets falls into.


MEX:FINDEP
56GF Score
Financiera Independencia SAB de CV Sofom E N R MEX:FINDEP
Liabilities-to-Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Financiera IndependenciaB de CV Sofom E N R Liabilities-to-Assets Calculation

Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.

Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.

Financiera IndependenciaB de CV Sofom E N R's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:

Liabilities-to-Assets (A: Dec. 2025 )=Total Liabilities/Total Assets
=5910.705/11369.123
=0.52

Financiera IndependenciaB de CV Sofom E N R's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 is calculated as

Liabilities-to-Assets (Q: Jun. 2026 )=Total Liabilities/Total Assets
=5776.582/11204.724
=0.52

* 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.

Frequently Asked Questions Learn more about Liabilities-to-Assets →
What does a Liabilities-to-Assets of 0.52 mean?
Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) has a Liabilities-to-Assets of 0.52 as of Jun. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Financiera IndependenciaB de CV Sofom E N R and its competitors.
Is Financiera IndependenciaB de CV Sofom E N R's Liabilities-to-Assets too high?
Financiera IndependenciaB de CV Sofom E N R's current Liabilities-to-Assets is 0.52. Overall, Financiera IndependenciaB de CV Sofom E N R has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Financiera IndependenciaB de CV Sofom E N R's Liabilities-to-Assets compare to V and MA?
Financiera IndependenciaB de CV Sofom E N R's Liabilities-to-Assets of 0.52 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Credit Services company?
A good Liabilities-to-Assets depends on the Credit Services industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Financiera IndependenciaB de CV Sofom E N R and its competitors. Financiera IndependenciaB de CV Sofom E N R's current Liabilities-to-Assets is 0.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Financiera IndependenciaB de CV Sofom E N R stock overvalued right now?
Based on GuruFocus' analysis, Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) is currently considered Modestly Undervalued. The stock's GF Value™ is MXN8.18, compared to a current price of MXN7.15 — trading 12.6% below its estimated fair value. The current Liabilities-to-Assets is 0.52. Financiera IndependenciaB de CV Sofom E N R's overall GF Score™ is 56/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP), the current Liabilities-to-Assets is 0.52 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.

Is Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) Overvalued in 2026?

Based on GuruFocus' analysis, Financiera IndependenciaB de CV Sofom E N R stock appears to be undervalued. The current stock price of MXN7.15 is trading 12.6% below its estimated GF Value™ of MXN8.18. GuruFocus considers Financiera IndependenciaB de CV Sofom E N R to be Modestly Undervalued.

Key valuation signals for MEX:FINDEP:

  • Liabilities-to-Assets: 0.52
  • GF Value™: MXN8.18 vs. price of MXN7.15 (12.6% below fair value)
  • GF Score™: 56/100 with 4 warning signs

No single metric tells the full story. See the MEX:FINDEP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Financiera IndependenciaB de CV Sofom E N R Business Description

Address Prolongacion Paseo de la Reforma No. 600, Int. 420, Col. Santa Fe Pena Blanca, Mexico DF, MEX, 01210
Financiera Independencia SAB de CV Sofom E N R operates as a microfinance company. The company offers Credipopular for self-employed individuals, CrediMama for mothers with a child, CrediInmediato for employed individuals.
56GF Score

Get the complete analysis for MEX:FINDEP

Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MXN7.15
Price
MXN8.18
GF Value