| name | stock-balance-sheet |
| description | Balance sheet stress test for a stock. Use when the user asks about debt, leverage, liquidity, financial health, or whether a company can survive a downturn. |
Stress test the balance sheet:
- NET DEBT position and net debt / EBITDA ratio
- MATURITY WALL — when does debt mature? Any refinancing risk in next 24 months?
- LIQUIDITY — cash + revolver capacity vs 12-month cash burn
- COVENANTS — any maintenance covenants that could be tripped if EBITDA drops 20%?
- OFF-BALANCE SHEET — operating leases, pension obligations, contingent liabilities
- SCENARIO — if revenue drops 25% next year, does the company survive? Walk through the math.
Rate overall balance sheet health: Fortress / Solid / Adequate / Stressed / Danger