medium · Private Credit & Debt underwriting-credit-analysis

Using the Merton model, if a firm has an asset value (V₀) of $200 million, a debt face value (D) of $120 million, asset volatility (σ_V) of 25%, and a risk-free rate (r) of 4% over 5 years, what is the approximate credit spread in basis points?

  1. 22 bps
  2. 184 bps
  3. 76 bps
  4. 134 bps

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