Configuration
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Net financial debt ÷ last 12-month EBITDA. 0 = net cash.
EBITDA ÷ net interest expense. Higher = stronger coverage.
EBITDA ÷ revenue × 100. Sector benchmarks applied.
Free cash flow ÷ total debt × 100. Capacity to repay.
Current assets ÷ current liabilities. 1.0× = break-even.
Total debt ÷ total equity × 100. Net gearing ratio.
About This Tool
Methodology
Six financial ratios are scored on a 0–100 scale against sector-calibrated benchmarks. Weighted composite score maps to an internal rating grade with S&P, Moody's, and Fitch equivalents. Rule-based deterministic model — no machine learning inference.
Rating Scale
AAA90–100
AA80–89
A70–79
BBB60–69
BB48–59
B36–47
CCC22–35
CC/C10–21
D0–9
Weighting profiles
Balanced: equal weight across all six ratios.
Leverage-Heavy: 35% Net Debt/EBITDA, reduced liquidity weight — suited to LBO / leveraged counterparties.
Coverage-Heavy: 35% EBITDA/Interest — suited to high-capex infrastructure / utilities.
Liquidity-Heavy: 30% Current Ratio + FCF/Debt — suited to SME / trading counterparties.
Limitations
This tool produces a quantitative ratio-based score. It does not incorporate qualitative factors (management, governance, market position), macro/country risk overlays, or forward-looking forecasts. Always apply analyst judgement and cross-check against public agency ratings where available.
Last Reviewed · 2025-01-15
Analysis Results
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Internal Rating
Ratio Scorecard
Ratio Input Value Score (0–100) Weight Weighted Score Signal
Composite Score 100%
Rating Rationale