USBNEUTRAL

USB Debt-to-Equity Ratio Analysis

1.42x

Updated 81h ago·SEC filings & market data

Key Takeaway

A debt-to-equity ratio compares a company’s total liabilities to its shareholders’ equity, showing how much of its operations are funded by borrowing versus owner investment.

Sector Performance

75th percentile

USB

1.42x

Sector Median

0.74x

Sector Avg

2.51x

Prior Period

1.20x(Jul 2026)

↓ Declining

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Deep Analysis

A debt-to-equity ratio compares a company’s total liabilities to its shareholders’ equity, showing how much of its operations are funded by borrowing versus owner investment.

At 1.42x, USB carries $1.42 of debt for every $1 of equity, meaning creditors provide more funding than shareholders. This is well above the sector median of 0.74x, placing USB in the 76th percentile among peers, so leverage is higher than most comparable companies. The year-over-year change is N/A, but the quarter-over-quarter increase of +18.3% (from 1.20x to 1.42x) shows debt relative to equity rose sharply in the most recent quarter. The combination of an already elevated level and rising leverage points to higher financial risk, as a growing debt load could pressure earnings if interest costs climb. Given that higher leverage adds risk, this metric contradicts a NEUTRAL verdict to some degree, but it does not override other factors, so the overall stance remains supported.

Frequently Asked Questions

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

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 USB's closest peers by Debt-to-Equity Ratio?

The closest peers by Debt-to-Equity Ratio include: TAP (0.76x), PCAR (0.72x), O (0.78x), PRU (0.78x), KIM (0.85x).

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Learn More About Debt-to-Equity Ratio

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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.