hard · Corporate Credit Analysis credit-metrics

An analyst is comparing two B2/B-rated companies. Company A has a 100% ECF sweep with no step-downs. Company B has no ECF sweep but has 10% annual mandatory amortization.

Over a 5-year period with flat EBITDA, which company is more likely to have a lower leverage ratio at the end of Year 5?

  1. It depends on the amount of ECF generated by Company A relative to the fixed amortization of Company B.
  2. Company A, because a 100% cash sweep is inherently more aggressive than 10% mandatory amortization.
  3. Company B, because scheduled amortization is a hard requirement, unlike a discretionary ECF sweep.
  4. Company A, because sweeps are contractually applied ahead of scheduled amortization in the cash flow waterfall.

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