Debt service coverage ratio

简明释义

债务偿还比率

英英释义

例句

1.Investors often look at the Debt service coverage ratio 债务偿还覆盖率 before deciding to invest in a business.

投资者在决定投资一家公司之前，通常会查看其债务偿还覆盖率。

2.Lenders use the Debt service coverage ratio 债务偿还覆盖率 to assess the risk of default.

贷款人使用债务偿还覆盖率来评估违约风险。

3.A company with a high Debt service coverage ratio 债务偿还覆盖率 is more likely to secure additional financing.

拥有高债务偿还覆盖率的公司更有可能获得额外融资。

4.A healthy Debt service coverage ratio 债务偿还覆盖率 is typically above 1.5.

健康的债务偿还覆盖率通常在1.5以上。

5.A low Debt service coverage ratio 债务偿还覆盖率 can indicate financial distress for a company.

低债务偿还覆盖率可能表明公司面临财务困境。

作文

In the world of finance, understanding various metrics is crucial for making informed decisions. One such important metric is the Debt service coverage ratio, often abbreviated as DSCR. This ratio measures a company's ability to cover its debt obligations with its operating income. Essentially, it indicates whether a business has enough income to pay its debts, including both principal and interest payments. The Debt service coverage ratio is calculated by dividing the net operating income by the total debt service. A ratio greater than one suggests that the company generates sufficient income to meet its debt obligations, while a ratio less than one indicates potential financial trouble. The significance of the Debt service coverage ratio cannot be overstated. Lenders and investors closely monitor this ratio when assessing the creditworthiness of a business. A high DSCR means that a company is in a strong position to repay its debts, which can lead to better loan terms and lower interest rates. Conversely, a low DSCR may raise red flags for lenders, potentially resulting in higher borrowing costs or difficulty in securing financing altogether.Understanding the Debt service coverage ratio is also essential for business owners. By regularly calculating this ratio, they can gauge the financial health of their company and make necessary adjustments to improve cash flow. For instance, if a business notices a declining DSCR, it may need to consider strategies such as reducing expenses, increasing sales revenue, or refinancing existing debt to maintain a healthy financial status.Moreover, the Debt service coverage ratio plays a vital role in investment analysis. Investors use this metric to evaluate the risk associated with investing in a particular company. A stable or improving DSCR can indicate a sound investment opportunity, while a declining ratio may suggest that the company is facing challenges that could affect its long-term viability.In conclusion, the Debt service coverage ratio is a fundamental financial metric that provides insights into a company's ability to manage its debt obligations. Whether for lenders assessing credit risk, business owners monitoring financial health, or investors evaluating opportunities, understanding this ratio is key to making sound financial decisions. By keeping an eye on the DSCR, stakeholders can better navigate the complexities of the financial landscape and work towards achieving their financial goals.

在金融世界中，理解各种指标对于做出明智的决策至关重要。一个重要的指标是债务偿付能力比率，通常缩写为DSCR。这个比率衡量公司用其经营收入来覆盖债务义务的能力。基本上，它表明一家公司是否有足够的收入来支付其债务，包括本金和利息。债务偿付能力比率通过将净经营收入除以总债务服务来计算。大于1的比率表明公司产生了足够的收入来满足其债务义务，而小于1的比率则表明潜在的财务困难。债务偿付能力比率的重要性不容小觑。贷方和投资者在评估企业的信用worthiness时密切关注这一比率。高DSCR意味着公司在偿还债务方面处于强势地位，这可能导致更好的贷款条件和更低的利率。相反，低DSCR可能会引起贷方的警觉，从而可能导致更高的借款成本或完全无法获得融资。理解债务偿付能力比率对企业主来说也至关重要。通过定期计算这个比率，他们可以评估公司财务健康状况，并做出必要的调整以改善现金流。例如，如果企业注意到DSCR下降，它可能需要考虑减少开支、增加销售收入或重新融资现有债务等策略，以维持健康的财务状况。此外，债务偿付能力比率在投资分析中也发挥着重要作用。投资者使用这一指标来评估投资特定公司的风险。稳定或改善的DSCR可以表明一个良好的投资机会，而下降的比率可能暗示公司面临的挑战可能影响其长期生存能力。总之，债务偿付能力比率是一个基础的财务指标，提供了关于公司管理债务义务能力的见解。无论是贷方评估信用风险、企业主监控财务健康，还是投资者评估机会，理解这一比率对于做出合理的财务决策至关重要。通过关注DSCR，利益相关者可以更好地驾驭复杂的金融环境，并朝着实现财务目标努力。