medium · Corporate Credit Analysis fsa

A software company capitalizes $40 million of internal development costs rather than expensing them.

For a credit analyst, how does this accounting choice affect reported EBITDA and the quality of earnings assessment?

  1. EBITDA is inflated, and free cash flow conversion is artificially weakened
  2. EBITDA is inflated, but Net Worth is overstated by soft capitalized intangibles
  3. EBITDA is unaffected, but Net Income is higher due to lower reported expense
  4. EBITDA is lower, but the balance sheet is strengthened by the newly capitalized asset

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