medium · Debt Capital Markets credit-ratings-risk

In the context of 'Fundamental Credit Analysis', why is the 'Maturity Profile' (or maturity wall) important alongside leverage ratios?

  1. The maturity wall, rather than the credit spread, directly determines the interest rate the company pays today.
  2. Longer outstanding debt maturities automatically and mechanically lead to materially lower reported EBITDA add-backs.
  3. It precisely tells the credit analyst which single rating agency, of the three, is most likely to downgrade the issuer next quarter.
  4. A company with low leverage can still fail if it cannot refinance a large lump-sum maturity when the debt markets are closed.

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