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fin.times-interest-earned Calculator
Calculates Times Interest Earned (TIE = EBIT / interest expense) and debt/EBITDA from income statement data. TIE below 2.0× means the company barely covers its interest payments — lenders typically require TIE above 3.0× in loan covenants.
Inputs
Ebit
Reference formula or conversion factor shown for context.
Interest Expense
Reference formula or conversion factor shown for context.
Total Debt
Reference formula or conversion factor shown for context.
Ebitda
Reference formula or conversion factor shown for context.
Results
TIE ratio
The proportional relationship between two quantities.
debt/EBITDA
Earnings before interest, taxes, depreciation, and amortisation. A proxy for operating cash flow. Used in EV/EBITDA valuation multiples. Not a substitute for free cash flow.
EBIT coverage
The fraction of the total that is protected, tested, or accounted for. Higher coverage reduces risk of gaps.
interest expense
Sample size or count used in the calculation.
benchmark
Reference value for comparison — the industry standard, historical average, or target that this result is measured against.