대차대조표 건강 검사 계산기
무료 대차대조표 건강 검사 계산기: 유동, 부채/자본, 자기자본, 부채의 4가지 비율로 재무 건전성을 점수화하세요. 위험 신호를 즉시 식별하세요.
이 도구가 마음에 드시나요? portfolios.tools를 영원히 무료로 유지하는 데 도움을 주세요.
작동 방식
The balance sheet health checker evaluates a company's financial stability using four fundamental ratios drawn directly from its balance sheet. You enter five numbers: current assets, current liabilities, total assets, total liabilities, and total equity: and the tool instantly computes the key solvency and liquidity metrics that investors, creditors, and analysts use to assess financial health. Value investors often review these ratios before income statements: a weak balance sheet can survive one bad quarter but often signals deeper stress. Use figures from the latest 10 K or 10 Q, or reasonable estimates for a private business or acquisition target. Verify total assets equals total liabilities plus equity before interpreting ratio scores.
The current ratio measures whether short term assets can cover short term obligations. Debt to equity gauges how much the company relies on borrowed money versus shareholder capital. The equity ratio shows the proportion of assets funded by owners. The debt ratio reveals what percentage of assets is backed by liabilities. Together, these four ratios paint a clear picture of balance sheet strength. Compare the gauge and ratio cards to industry peers when available: a retailer may tolerate a lower current ratio than a regulated utility. Watch the alert panel for liquidity, leverage, and insolvency warnings that deserve follow up in footnotes and cash flow statements. Re run inputs after major debt issuance or buyback that shifts leverage overnight.
sheet strength. Compare the gauge and ratio cards to industry peers when available: a retailer may tolerate a lower current ratio than a regulated utility. Watch the alert panel for liquidity, leverage, and insolvency warnings that deserve follow up in footnotes and cash flow statements. Re run inputs after major debt issuance or buyback that shifts leverage overnight.
입력값이 변경될 때마다 대차대조표 건강 검사기을(를) 사용하세요: 시장 변동, 새로운 기여금 또는 수정된 개인 가정 후. 소프트웨어 설치 없이 빠른 재실행을 위해 페이지를 북마크하세요.
단계별 안내
- 대차대조표 건강 검사기을(를) 열고 현재 입력값을 입력하세요.
- 계산된 출력과 요약 테이블을 검토하세요.
- 가정을 조정하고 시나리오를 나란히 비교하세요.
실전 예제
The balance sheet health checker evaluates a company's financial stability using four fundamental ratios drawn directly from its balance sheet. Enter the sample inputs described in How it works to reproduce the scenario step by step.
한 번에 하나의 입력을 조정하여 민감도를 확인하세요. 대차대조표 건강 검사기은(는) 즉시 업데이트되므로 행동하기 전에 낙관적 및 보수적 가정을 스트레스 테스트할 수 있습니다.
이 계산기를 사용할 때
Reach for Balance Sheet Health Checker when score financial strength in 4 ratios: current, d/e, equity, debt. identify red flags instantly.. It suits quick what if analysis before trades, allocation changes, or plan updates.
결정이 세금, 유동성 또는 하나의 공식이 포착하는 것 이상의 다년 전망을 포괄할 때 관련 도구와 함께 사용하세요.
흔한 실수
입력 단위나 오래된 시장 가격을 확인하지 않고 출력을 복사하는 것은 대차대조표 건강 검사기에서 흔한 오류입니다. 행동하기 전에 티커, 백분율 및 날짜를 확인하세요.
단일 기준 시나리오만 실행하면 꼬리 위험을 무시합니다. 보수적 입력으로 스트레스 테스트하고 결정이 중요할 때 아래 나열된 관련 도구와 비교하세요.
공식
current_ratio = current_assets / current_liabilities
debt_to_equity = total_liabilities / total_equity
equity_ratio = total_equity / total_assets
debt_ratio = total_liabilities / total_assets
score_cr: cr > 2.0 → 25, cr > 1.5 → 20, cr > 1.0 → 10, else → 0
score_dte: dte < 0.5 → 25, dte < 1.0 → 20, dte < 2.0 → 10, else → 0
score_er: er > 0.5 → 25, er > 0.4 → 20, er > 0.3 → 10, else → 0
score_dr: dr < 0.4 → 25, dr < 0.6 → 20, dr < 0.8 → 10, else → 0
health_score = score_cr + score_dte + score_er + score_dr
Each of the four ratios contributes up to 25 points to the total health score (0 to 100). Thresholds follow common credit analysis heuristics; they screen for obvious stress but do not replace full statement and cash flow review. Negative equity caps equity ratio scoring at zero. Alerts fire independently of composite score for transparency.
제한 사항 및 가정
Each of the four ratios contributes up to 25 points to the total health score (0 to 100). Thresholds follow common credit analysis heuristics; they screen for obvious stress but do not replace full statement and cash flow review. Negative equity caps equity ratio scoring at zero. Alerts fire independently of composite score for transparency. Balance Sheet Health Checker does not replace personalized advice. Fees, slippage, account specific rules, and behavioral constraints may change real world outcomes.
주요 용어
- What does the balance sheet health score mean
- Your balance sheet health score is a composite rating from 0 to 100 that measures financial stability.
- How are the individual ratio scores calculated
- Each ratio is scored against established thresholds.
- 모델 가정
- A current ratio below 1.
대안 비교
Pair with Altman Z Score and Piotroski F Score for complementary distress screens. Use those calculators when balance sheet health checker alone does not capture the full decision.
portfolios.tools의 내부 링크는 계산기 체인을 도와줍니다: 먼저 대차대조표 건강 검사기을(를) 실행한 다음, 아래 관련 섹션의 전문 도구로 엣지 케이스를 검증하세요.
FAQ
What does the balance sheet health score mean?
Your balance sheet health score is a composite rating from 0 to 100 that measures financial stability. It combines four key ratios: current ratio, debt to equity, equity ratio, and debt ratio: each weighted equally at 25 points. Scores above 70 signal a strong balance sheet; scores below 40 indicate elevated risk. Scores near 50 warrant deeper review of off balance sheet debt, goodwill impairments, and working capital trends before you rely on headline earnings alone. The score is a screening shortcut, not a credit rating. Two firms with identical scores can differ sharply on cash conversion and covenant headroom.
How are the individual ratio scores calculated?
Each ratio is scored against established thresholds. For example, a current ratio above 2.0 earns 25 points, while below 1.0 earns 0. The equity ratio maxes out above 0.5 (25 points), and the debt ratio earns top marks below 0.4. The four scores are summed for the 0 to 100 health score. If total liabilities exceed total assets, verify that equity equals assets minus liabilities before interpreting individual ratio scores. Negative equity triggers insolvency alerts even when current ratio looks acceptable on a short term basis.
What do the risk alerts mean?
A current ratio below 1.0 means short term obligations exceed short term assets: a liquidity risk. Debt to equity above 2.0 signals heavy leverage. Negative total equity is an insolvency red flag. Each triggered alert includes an actionable explanation. Cross check alerts with the ratio cards: a company can pass one metric while failing another, which is why the composite score weights all four equally. Seasonal businesses may show low current ratio at fiscal year end while annual cash flow remains strong.
Are my inputs saved for later?
Yes, the five balance sheet inputs (current assets, current liabilities, total assets, total liabilities, and total equity) are saved to your browser's localStorage. You can close the page and return later: your numbers will still be there. Computed ratios and scores are never persisted. Nothing is uploaded to a server: clearing site data removes saved inputs, so export key figures if you share the analysis with a partner or advisor. Use private browsing on shared machines if you do not want local persistence.
Where do I find these numbers for a real company?
For public companies, pull these numbers from the latest quarterly or annual report (10 Q or 10 K). Current assets and current liabilities are on the balance sheet under current items. Total assets, total liabilities, and shareholders' equity are typically the last three lines of the balance sheet. For international firms, use the consolidated statement in one currency; segment only balance sheets can omit parent level guarantees. ADR holders should use the consolidated US GAAP filing when available for comparability with domestic peers.
이 대차대조표 건강 검사 계산기를 휴대폰이나 태블릿에서 어떻게 사용하나요?
예. 이 도구는 데스크톱과 동일한 공식으로 모바일 브라우저에서 완전히 실행됩니다. 선택적 localStorage는 브라우저 설정에서 활성화된 경우 기기에 입력값을 기억할 수 있습니다.
대차대조표 건강 검사기을(를) 사용할 때 내 데이터는 어디에 저장되나요?
당사 서버 어디에도 없습니다. 계산은 브라우저에서 로컬로 실행됩니다. 선택적 localStorage는 기기에서만 양식 필드를 저장하며 네트워크를 통해 포트폴리오 번호를 전송하지 않습니다.
세금 또는 법적 결정에 대차대조표 건강 검사기에 의존해야 하나요?
아니요. 이 도구는 교육용 수학만 제공합니다. 세법, 계좌 규칙 및 개인 상황은 다양합니다. 중대한 결과를 초래하는 거래 전에 자격을 갖춘 세무 또는 법률 전문가와 상담하세요.
관련 도구
Pair with Altman Z Score and Piotroski F Score for complementary distress screens. After basic solvency checks pass, use dividend discount or DCF tools to value cash flows rather than betting on ratios alone on portfolios.tools.