interest cover

简明释义

盈利对利息倍数

英英释义

例句

1.When evaluating a potential investment, analysts check the interest cover 利息保障倍数 as part of their due diligence.

在评估潜在投资时，分析师将检查利息保障倍数作为尽职调查的一部分。

2.The finance team calculated the interest cover 利息保障倍数 to ensure they could meet their upcoming loan payments.

财务团队计算了利息保障倍数以确保他们能够按时偿还即将到期的贷款。

3.Investors often look at the interest cover 利息保障倍数 to assess the risk of a company defaulting on its debt.

投资者通常会关注利息保障倍数来评估公司违约的风险。

4.A low interest cover 利息保障倍数 may signal potential trouble for the business in meeting its obligations.

低利息保障倍数可能表明企业在履行其义务方面可能会遇到麻烦。

5.The company's interest cover 利息保障倍数 ratio has improved this year, indicating better financial health.

公司的利息保障倍数比率今年有所改善，表明财务状况更好。

作文

Understanding the concept of interest cover is crucial for anyone involved in finance or business management. The term refers to a financial ratio that measures a company's ability to meet its interest obligations from its earnings before interest and taxes (EBIT). In simpler terms, it indicates how many times a company can pay its interest expenses with its available earnings. A higher interest cover ratio suggests that a company is in a strong position to service its debt, while a lower ratio may indicate potential financial difficulties.To calculate interest cover, one simply divides EBIT by the interest expenses. For example, if a company has an EBIT of $1 million and interest expenses of $250,000, the interest cover would be 4. This means the company earns four times more than it needs to pay in interest, which is generally seen as a healthy sign for investors and creditors alike.Investors often look at the interest cover ratio to assess the risk associated with investing in a particular company. If a company has a low interest cover, it may struggle to keep up with its debt payments, leading to increased risk for investors. On the other hand, a high interest cover ratio can provide reassurance that the company is financially stable and capable of handling its debts effectively.Moreover, the interest cover ratio can vary significantly across different industries. For instance, utility companies typically have lower interest cover ratios due to their high levels of debt, while technology firms might exhibit higher ratios because of their strong earnings potential and lower debt levels. Therefore, it is essential to compare a company's interest cover with industry averages to gain meaningful insights into its financial health.In addition to being a useful indicator for investors, the interest cover ratio is also important for company management. It serves as a benchmark for assessing financial performance and making strategic decisions. If the interest cover begins to decline over time, management may need to take corrective actions, such as reducing debt, increasing revenues, or cutting costs, to improve the company's financial standing.Furthermore, lenders often use the interest cover ratio when evaluating loan applications. A company with a strong interest cover is more likely to secure financing, as it demonstrates the ability to repay loans without risking bankruptcy. Conversely, a company with a weak interest cover may face higher interest rates or even denial of credit, as lenders perceive it as a higher risk.In conclusion, understanding interest cover is essential for various stakeholders, including investors, management, and lenders. It provides valuable insights into a company's financial health and its ability to manage debt obligations. A strong interest cover ratio indicates financial stability, while a weak ratio can signal potential trouble ahead. By keeping an eye on this critical financial metric, stakeholders can make informed decisions that ultimately contribute to the success and sustainability of the business.

理解利息保障倍数的概念对任何参与金融或企业管理的人来说都是至关重要的。这个术语指的是一个财务比率，衡量一家公司的盈利能力是否足以满足其利息义务，计算方式是用息税前利润（EBIT）除以利息费用。简单来说，它表明公司能够用可用收益支付多少次利息支出。较高的利息保障倍数比率表明公司在偿还债务方面处于强势地位，而较低的比率可能表明潜在的财务困难。要计算利息保障倍数，只需将EBIT除以利息费用。例如，如果一家公司有100万美元的EBIT和25万美元的利息费用，则其利息保障倍数为4。这意味着该公司赚取的金额是其需要支付利息的四倍，这通常被投资者和债权人视为健康的迹象。投资者通常会查看利息保障倍数比率，以评估与投资特定公司的风险。如果一家公司拥有较低的利息保障倍数，它可能会在偿还债务时面临困难，从而导致投资者风险增加。另一方面，高利息保障倍数比率可以提供保证，表明公司财务稳定，能够有效处理其债务。此外，利息保障倍数比率在不同行业之间可能会显著不同。例如，公用事业公司由于其高负债水平，通常具有较低的利息保障倍数，而科技公司可能因其强大的盈利潜力和较低的债务水平而表现出较高的比率。因此，比较公司的利息保障倍数与行业平均水平，对于深入了解其财务健康状况至关重要。除了对投资者有用外，利息保障倍数比率对公司管理层也很重要。它作为评估财务绩效和制定战略决策的基准。如果利息保障倍数随着时间的推移开始下降，管理层可能需要采取纠正措施，例如减少债务、增加收入或削减成本，以改善公司的财务状况。此外，贷方在评估贷款申请时也常常使用利息保障倍数比率。拥有强大利息保障倍数的公司更有可能获得融资，因为这表明其能够偿还贷款而不冒破产的风险。相反，拥有弱利息保障倍数的公司可能面临更高的利率，甚至被拒绝信贷，因为贷方将其视为更高风险的对象。总之，了解利息保障倍数对各种利益相关者，包括投资者、管理层和贷方至关重要。它提供了有关公司财务健康状况及其管理债务能力的宝贵见解。强大的利息保障倍数比率表明财务稳定，而较弱的比率则可能预示着潜在的问题。通过关注这一关键财务指标，利益相关者可以做出明智的决策，从而最终促进企业的成功和可持续发展。