COF Debt-to-Equity Ratio Analysis
Updated 227h ago·SEC filings & market data
Key Takeaway
The debt-to-equity ratio measures a company’s total liabilities against its shareholders’ equity, indicating how much debt finances each dollar of equity.
Sector Performance
28th percentileCOF
0.39x
Sector Median
0.74x
Sector Avg
2.52x
Prior Period
0.46x(Jul 2026)
Deep Analysis
The debt-to-equity ratio measures a company’s total liabilities against its shareholders’ equity, indicating how much debt finances each dollar of equity.
COF’s current 0.39x means it carries 39 cents of debt for every dollar of equity, a conservative level. That is well below the sector median of 0.73x, and the 27th percentile rank shows most industry peers carry more debt. The year-over-year change is N/A, but the quarter-over-quarter change is -15.2%, dropping from 0.46x to 0.39x in the most recent period. The combination of low leverage and a recent reduction implies lower financial risk, though it may also mean the company is not aggressively using debt to fuel growth. This metric supports the NEUTRAL verdict: the low debt level is positive for stability, but the limited trend data and potential under-leverage prevent a stronger bullish or bearish call.
Frequently Asked Questions
What does the Debt-to-Equity Ratio tell investors about COF?
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.
Who are COF's closest peers by Debt-to-Equity Ratio?
The closest peers by Debt-to-Equity Ratio include: W (-1.00x), MSCI (-2.37x), SBAC (-2.75x), LCID (-3.08x), TDG (-3.41x).
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.
Master COF's Valuation
Get the complete institutional research report covering all fundamental and technical metrics.
View full COF research report →COF
0.39x
Sector Median
0.74x
Sector Avg
2.52x
How COF's Debt-to-Equity Ratio compares to sector peers.
Also Analyze
Not financial advice. Research tool only. Data may be delayed.