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The debt service coverage ratio ( DSCR ), also known as "debt coverage ratio" (DCR), is a financial metric used to assess an entity's ability to generate enough cash to cover its debt service obligations, such as interest, principal, and lease payments. The DSCR is calculated by dividing the operating income by the total amount of debt service due.
Altman Z-score is a customized version of the discriminant analysis technique of R. A. Fisher (1936). William Beaver's work, published in 1966 and 1968, was the first to apply a statistical method, t -tests to predict bankruptcy for a pair-matched sample of firms. Beaver applied this method to evaluate the importance of each of several ...
Mincer earnings function. The Mincer earnings function is a single-equation model that explains wage income as a function of schooling and experience. It is named after Jacob Mincer. [1] [2] Thomas Lemieux argues it is "one of the most widely used models in empirical economics". The equation has been examined on many datasets.
A FICO score is a credit score model from the Fair Isaac Corporation that lenders have used since 1989 to assess the credit risk of individual consumers. FICO scores are three-digit numbers, which ...
Earnings before interest and taxes. In accounting and finance, earnings before interest and taxes ( EBIT) is a measure of a firm's profit that includes all incomes and expenses (operating and non-operating) except interest expenses and income tax expenses. [ 1][ 2] Operating income and operating profit are sometimes used as a synonym for EBIT ...
Furthermore, changes to the household income Gini can be driven by changes in household formation, such as increased divorce rates or extended family households splitting into nuclear families. Deininger and Squire (1996) show that the income Gini coefficient based on individual income rather than household income is different. For example, for ...
Pretax Income is often reported as Earnings Before Taxes or EBT; This decomposition presents various ratios used in fundamental analysis. The company's tax burden is (Net income ÷ Pretax profit). This is the proportion of the company's profits retained after paying income taxes. [NI/EBT] The company's interest burden is (Pretax income ÷ EBIT).
Current Expected Credit Losses (CECL) is a credit loss accounting standard (model) that was issued by the Financial Accounting Standards Board ( FASB) on June 16, 2016. [ 1] CECL replaced the previous Allowance for Loan and Lease Losses (ALLL) accounting standard. The CECL standard focuses on estimation of expected losses over the life of the ...
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