Browse the out-of-the-box insights that score supplier financial risk — grouped by family, with the score and the rule that triggers each one.
| Insight | Parameter | |
|---|---|---|
Operating earnings do not cover the interest bill at allO. Interest coverage — levelInterest Coverage Ratio: Latest value <= 0x The supplier is not earning enough at operating level to pay its interest, let alone repay principal. Interest is being met from reserves, new borrowing, or not at all. | Capital structureFinancial health parameter |
Interest bill barely coveredO. Interest coverage — levelInterest Coverage Ratio: Latest value >= 0x AND Latest value <= 1.5x Operating earnings cover interest less than one-and-a-half times over. Any dip in trading makes debt service unmanageable. | Capital structureFinancial health parameter |
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Interest cover thin (1.5–3 times)O. Interest coverage — levelInterest Coverage Ratio: Latest value >= 1.5x AND Latest value <= 3.0x Operating earnings cover the interest bill between one-and-a-half and three times — acceptable, but the lower end of this band warrants monitoring. | Capital structureFinancial health parameter |
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Interest comfortably covered (3–8 times)O. Interest coverage — levelInterest Coverage Ratio: Latest value >= 3.0x AND Latest value <= 8.0x Operating earnings cover interest three to eight times over — debt service is not a constraint on the business under normal trading. | Capital structureFinancial health parameter |
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Interest covered many times overO. Interest coverage — levelInterest Coverage Ratio: Latest value >= 8.0x Operating earnings cover the interest bill more than eight times. Debt service is immaterial relative to what the business earns. | Capital structureFinancial health parameter |
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