Debt to Assets

What is D/A?

The percentage of a company's assets that are financed by debt rather than equity.

Think of it like this

Like knowing what percentage of your house is owned by the bank vs. your own equity.

Formula

Debt/Assets = Total Debt ÷ Total Assets × 100
  • Total Debt: All short-term and long-term debt
  • Total Assets: Everything the company owns

Why it matters

  • Shows overall leverage level
  • Higher ratio = more financial risk
  • Affects credit ratings and borrowing costs
  • Important for assessing bankruptcy risk

What's a good value?

< 30%
Conservative
Low leverage, strong balance sheet
30-50%
Moderate
Balanced capital structure
50-70%
Aggressive
Higher leverage, watch interest costs
> 70%
High Risk
Significant financial risk

Real-world example

Utilities often have 60-70% debt/assets due to stable cash flows supporting debt service.

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