CACCCAUTIOUS

CACC Debt-to-Equity Ratio Analysis

4.23x

Higher than 100% of Financial Services sector peers

Updated 467h ago·SEC filings & market data

Key Takeaway

A debt-to-equity ratio measures how much debt a company uses to finance its assets relative to shareholders' equity; at 4.23x, CACC carries $4.23 of debt for every $1 of equity.

Sector Performance

100th percentile

CACC

4.23x

Sector Median

0.46x

Sector Avg

0.94x

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Deep Analysis

A debt-to-equity ratio measures how much debt a company uses to finance its assets relative to shareholders' equity; at 4.23x, CACC carries $4.23 of debt for every $1 of equity.

This is far above the Financial Services sector median of 0.69x, placing the company in the 95th percentile among peers, meaning only a small minority carry more leverage. The trend is not available: the year-over-year change and quarter-over-quarter change are both N/A, and no historical values beyond the current 4.23x were provided. The combination of a very high debt load with no observable trend leaves the risk level unclear but structurally elevated, since the company has little equity cushion to absorb losses. This high leverage could amplify returns if CACC's lending operations perform well, but it also raises the chance of financial distress if earnings decline. The 4.23x ratio directly supports the overall CAUTIOUS verdict, as the extreme leverage relative to sector peers suggests limited financial flexibility and greater vulnerability to adverse conditions.

Frequently Asked Questions

What does the Debt-to-Equity Ratio tell investors about CACC?

Shows how much a company is financing its operations through debt vs shareholder funds. High D/E can amplify returns — and losses.

How is the Debt-to-Equity Ratio calculated?

Debt-to-Equity Ratio is calculated as: Total Debt / Shareholders' Equity.

How does CACC's Debt-to-Equity Ratio compare to its sector?

CACC's Debt-to-Equity Ratio of 4.23x compares to a Financial Services sector median of 0.46x, placing it in the 100th percentile.

Who are CACC's closest peers by Debt-to-Equity Ratio?

The closest Financial Services peers by Debt-to-Equity Ratio include: HSBC (0.52x), AIZ (0.38x), AMP (0.53x), RJF (0.35x), AFL (0.35x).

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Learn More About Debt-to-Equity Ratio

How to Spot a Debt Problem Before It Hits the Stock Price

Learn how to spot a debt problem in stocks using D/E, interest coverage, and net debt/EBITDA ratios. Real examples from META and MSFT, plus danger thresholds you need to know.

Debt/Equity Ratio: How Much Debt Is Too Much?

The debt to equity ratio explained: why context, interest coverage, and sector norms matter far more than the raw number when assessing debt risk.

The Formula

Total Debt / Shareholders' Equity

Why It Matters

Shows how much a company is financing its operations through debt vs shareholder funds. High D/E can amplify returns — and losses.