OMFNEUTRAL

OMF Debt-to-Equity Ratio Analysis

6.73x

Updated 156h ago·SEC filings & market data

Key Takeaway

A debt-to-equity ratio of 6.73x means the company has $6.73 of debt for every $1 of shareholder equity, indicating heavy reliance on borrowed funds.

Sector Performance

98th percentile

OMF

6.73x

Sector Median

0.74x

Sector Avg

2.52x

Prior Period

6.63x(Jul 2026)

↓ Declining

📊

Deep Analysis

A debt-to-equity ratio of 6.73x means the company has $6.73 of debt for every $1 of shareholder equity, indicating heavy reliance on borrowed funds.

This is far above the sector median of 0.74x, placing OMF in the 98th percentile among peers, so its leverage is much higher than most comparable firms. Trend data is incomplete: the 8-quarter trend is N/A, the year-over-year change is N/A, and the quarter-over-quarter change is +1.5%, with the ratio rising from 6.63x to 6.73x. The combination of an already extreme debt load and a slight quarterly increase points to elevated financial risk, as higher debt amplifies vulnerability to earnings shocks or rising interest costs. This metric supports the overall NEUTRAL verdict in the sense that the high leverage is a clear negative, but the available trend data is too limited to justify a more bearish call.

Frequently Asked Questions

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

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 OMF'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.