REF (Reformation) Debt-to-Asset : 0.36 (As of Dec. 2025)

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REF Reformation Inc REF
8 GF Score
Price $16.22
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What is Reformation Debt-to-Asset?

Reformation REF +7.56% 8 Debt-to-Asset is 0.36 as of Dec. 2025. GuruFocus rates REF with a GF Score™ of 8/100.

Reformation's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $24.9 Mil. Reformation's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $314.6 Mil. Reformation's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Dec. 2025 was $937.9 Mil. Reformation's debt to asset for the quarter that ended in Dec. 2025 was 0.36.

Reformation  (NYSE:REF) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Reformation Debt-to-Asset Related Terms

Reformation Debt-to-Asset Historical Data

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The historical data trend for Reformation's Debt-to-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Reformation Debt-to-Asset Chart

Reformation Annual Data
Trend Dec23 Dec24 Dec25
Debt-to-Asset
0.00 0.35 0.36

Reformation Semi-Annual Data
Dec23 Dec24 Dec25
Debt-to-Asset 0.00 0.35 0.36

REF vs : Debt-to-Asset Comparison

For the Apparel Retail subindustry, Reformation's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Reformation Debt-to-Asset vs Retail - Cyclical Industry

For the Retail - Cyclical industry and Consumer Cyclical sector, Reformation's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Reformation's Debt-to-Asset falls into.


REF
8GF Score
Reformation Inc REF
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Reformation Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Reformation's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(24.92 + 314.561) / 937.867
=0.36

Reformation's Debt-to-Asset for the quarter that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(24.92 + 314.561) / 937.867
=0.36

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.36 mean?
Reformation (REF) has a Debt-to-Asset of 0.36 as of Dec. 2025. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Reformation and its competitors.
Is Reformation's Debt-to-Asset too high?
Reformation's current Debt-to-Asset is 0.36. Overall, Reformation has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Reformation's Debt-to-Asset compare to ?
Reformation's Debt-to-Asset of 0.36 can be compared against companies in the Retail - Cyclical industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Retail - Cyclical company?
A good Debt-to-Asset depends on the Retail - Cyclical industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Reformation and its competitors. Reformation's current Debt-to-Asset is 0.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Reformation stock overvalued right now?
Reformation (REF) has a current Debt-to-Asset of 0.36. The current Debt-to-Asset is 0.36. Reformation's overall GF Score™ is 8/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Reformation (REF), the current Debt-to-Asset is 0.36 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Reformation Business Description

Comparable Companies
Address 5801 S. 2nd Street, Vernon, CA, USA, 90058
Reformation Inc sells apparel and accessories through its website, company-owned retail stores, wholesale channels, and other distribution channels in the United States and internationally. Its product portfolio includes dresses, bottoms, tops, sweaters, and accessories. The company focuses on womenswear and sources materials and products through its supply chain operations. The majority of the company's revenue was derived from the sale of its apparel and accessories, including clothing, shoes, and bags, through e-commerce and retail. Geographically, the maximum revenue is generated from the United States.
8GF Score

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Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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