Professional Documents
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تحليلات
تحليلات
- **Current Ratio:**
- Ranged from 1.83 in 2019 to 1.49 in 2022, indicating the company's ability to cover short-term
obligations.
- Best performance in 2019 and 2020 with ratios of 1.53 and 1.22, respectively.
- **Cash Ratio:**
- Improved coverage of liabilities with operating cash flow, reaching 36% in 2022.
- **Inventory Turnover:**
- Increasing trend from 1.98 in 2019 to 2.59 in 2021, indicating improved efficiency.
- Slight decrease within reasonable limits, with the best performance in 2019.
- **Liabilities to Equity:**
- Decreasing trend is positive, indicating lower financial risk and dependency on debt.
- Crucial for ensuring the company can cover its interest expenses, indicating financial sustainability.
- **ROE (15.53%):**
- Unfortunately, the absence of this critical ratio raises concerns about the company's ability to manage
additional debt.
- Thorough evaluation of the company's ability to cover interest expenses is crucial for understanding
the impact of additional debt on financial health.
- Alignment with strategic goals for growth and financial stability is crucial.
- Analysis of future cash flow projections to anticipate the company's ability to meet debt obligations.
- Offer the loan with competitive interest rates based on the company's creditworthiness.
- **Monitoring Mechanisms:**
- Implement mechanisms to ensure financial covenants are met, such as a debt service coverage ratio
requirement.
- **Collateral Options:**
- Consider collateral options like accounts receivable or inventory pledging, valuing them at 1.5 times
the loan amount.
- Conduct regular reviews to identify deviations from expected performance for early issue
identification.
In conclusion, Rameda Company's commendable financial health positions it as a suitable candidate for a
$5 million or more loan. A detailed assessment, careful loan structuring, and ongoing collaboration are
recommended to uphold financial health. This financial report aims to provide a structured analysis for a
prudent lending decision.
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