--- title: "O'Reilly Automotive: Risk Monitoring" description: "O'Reilly Automotive financial risk indicators from its SEC filings (leverage, liquidity, interest coverage, debt load) compared with peers, with filings linked." canonical: https://www.getswoopr.com/stocks/companies/oreilly-automotive/risks/ source: "Swoopr Investment: https://www.getswoopr.com" --- # O'Reilly Automotive: Risk & Monitoring Guide ## Direct Answer O'Reilly Automotive's fiscal 2025 filings show current liabilities exceed current assets (current ratio 0.8x). These figures measure financial risk only; the business risks O'Reilly Automotive itself considers material are listed under Item 1A, Risk Factors, of its Form 10-K, most recently filed February 27, 2026. ## What Do O'Reilly Automotive's Financial Risk Indicators Show? | Indicator (fiscal 2025) | O'Reilly Automotive | Peer median (same SIC code) | What it measures | | --- | --- | --- | --- | | Liabilities to assets | n/a | 75% | How much of the balance sheet is funded by obligations rather than equity. | | Current ratio | 0.8x | 1.1x | Short-term assets per dollar of obligations due within a year. | | Interest coverage | 14.7x | -2.4x | Operating income per dollar of interest expense. | | Long-term debt to operating cash flow | 2.2x | 3.2x | Years of operating cash flow it would take to repay long-term debt. | | Net debt | $5.8 billion | n/a | Long-term debt minus cash; negative means more cash than long-term debt. | The peer median uses 3 other companies in Swoopr's S&P 500 Equal Weight set that share the same SEC SIC code. A reading worse than the peer median is a prompt to read the filing, not a conclusion. ![Bar chart of O'Reilly Automotive balance sheet at the end of fiscal 2025: total assets $16.5 billion, shareholders' equity negative $763 million, long-term debt $6.0 billion, cash and equivalents $194 million.](https://www.getswoopr.com/images/charts/oreilly-automotive-risks-balance-sheet.webp) *O'Reilly Automotive balance sheet items at the end of fiscal 2025, from the figures in the table above. Long-term debt is highlighted. Select the chart to open it full size.* ## Where Are O'Reilly Automotive's Official Risk Factors? The risks O'Reilly Automotive considers material are disclosed in Item 1A of its Form 10-K, most recently [filed February 27, 2026](https://www.sec.gov/Archives/edgar/data/898173/000089817326000009/orly-20251231x10k.htm). Read them with three questions in mind: which risks are specific to this company rather than generic, which have changed since the prior year's filing, and which connect to the figures above (a refinancing risk matters more when interest coverage is thin). ## Where These Numbers Come From Every figure on this page is a value O'Reilly Automotive reported in its own SEC filings, read from the SEC's XBRL data (accession 0000898173-26-000009 for fiscal year 2025). Ratios are computed from those reported values. Figures were retrieved on October 7, 2026; a later amendment or a new annual report can change them, and the filing itself always takes precedence over this summary. Each fiscal year is labeled by the calendar year in which it ended, so a company that names the same period differently in its own filings (many retailers whose year ends in January) may use another label. A year is left out of the table when the SEC data set holds no value for it. A figure shown as "Not reported" means the company did not file a value under the standard tag Swoopr reads, not that the amount was zero. This page is educational and describes reported history only; it is not a forecast or a recommendation. ## Frequently Asked Questions ### Is O'Reilly Automotive highly leveraged? O'Reilly Automotive did not report both total liabilities and total assets under the standard tags, so the ratio is not computed here. ### Where are O'Reilly Automotive's official risk factors? In Item 1A, Risk Factors, of its annual report on Form 10-K, most recently filed with the SEC on February 27, 2026. The company lists the risks it considers material there; the measures on this page only quantify the financial side. ### Can O'Reilly Automotive pay its interest? In fiscal 2025, operating income covered interest expense 14.7x. Coverage below about 3x leaves little room if earnings fall. ## References - [SEC EDGAR: O REILLY AUTOMOTIVE INC Form 10-K filed February 27, 2026](https://www.sec.gov/Archives/edgar/data/898173/000089817326000009/orly-20251231x10k.htm) - [SEC EDGAR: O REILLY AUTOMOTIVE INC annual and quarterly filings](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=898173&type=10-K) - [SEC: EDGAR application programming interfaces (XBRL frames and submissions data)](https://www.sec.gov/search-filings/edgar-application-programming-interfaces) ## Related Pages - [O'Reilly Automotive company dossier](https://www.getswoopr.com/stocks/companies/oreilly-automotive/) - [O'Reilly Automotive financial metrics](https://www.getswoopr.com/stocks/companies/oreilly-automotive/metrics/) - [O'Reilly Automotive financial risk indicators](https://www.getswoopr.com/stocks/companies/oreilly-automotive/risks/) - [O'Reilly Automotive peer comparison](https://www.getswoopr.com/stocks/companies/oreilly-automotive/competitors/) - [O'Reilly Automotive business model and revenue mix](https://www.getswoopr.com/stocks/companies/oreilly-automotive/business-model/) - [Fundamental analysis guides](https://www.getswoopr.com/learn/fundamental-analysis/) **[Swoopr Editorial Team](https://www.getswoopr.com/authors/swoopr-editorial-team/)** Swoopr's editorial team produces independent investment education content reviewed for accuracy and clarity. We do not provide personalized financial advice. See our [editorial policy](https://www.getswoopr.com/legal/editorial-policy/) and [corrections policy](https://www.getswoopr.com/legal/corrections-policy/).