Debt Ratio Calculator
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The debt ratio measures what proportion of a company's assets are financed by debt. Debt ratio = Total liabilities / Total assets. A ratio above 0.5 means more than half the assets are debt-financed.
- 1Get total liabilities (all short-term and long-term debt)
- 2Get total assets from the balance sheet
- 3Debt ratio = Total liabilities / Total assets
- 4Debt-to-equity ratio = Total debt / Shareholders' equity (a related metric)
Liabilities £600k · Assets £1M=Debt ratio = 0.6 (60%)60 cents of debt per £1 of assets
| Debt ratio | Interpretation |
|---|---|
| < 0.3 | Conservative — low leverage |
| 0.3–0.5 | Moderate — healthy for most industries |
| 0.5–0.7 | High — acceptable for capital-intensive industries |
| > 0.7 | Very high — elevated default risk |
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Fun Fact
Capital-intensive industries like airlines and utilities comfortably operate at debt ratios of 0.7–0.8 because their asset base (planes, power plants) is large and stable.
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