medium · Private Credit & Debt underwriting-credit-analysis

Which of the following would DECREASE the 'Fixed Charge Coverage Ratio' (FCCR) of a borrower, all else being equal?

  1. A decrease in mandatory principal repayments.
  2. A shift from PIK interest to cash interest while maintaining the same total interest rate.
  3. An increase in cash taxes paid.
  4. An increase in depreciation and amortization expense.

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