OID Finance’s debt-to-equity ratio improved to 0.62, supporting a healthier balance sheet. Credit rating agencies have maintained a stable outlook, which could lower future borrowing costs and enhance margins. Q : With credit trends improving, is it time to lean more towards growth, or is the current position satisfactory? A : Michael Rhodes, CEO, stated that while they are encouraged by the trajectory of credit trends, they will remain disciplined and data-informed before making any changes. There is still uncertainty in the environment, and the company will be prudent in its approach. 11 A foreclosure property election is permitted for full foreclosures and deeds in lieu of foreclosure. The latest analyst survey puts OID Finance’s 12-month target price at $48.50, implying an 11% upside from current levels. Upgrades are driven by expected sector expansion in corporate lending and capital markets divisions.