Cash Flow to Debt Ratio Calculator

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Cash generated from the core business after working capital changes, before financing or investing activities. Found on the cash flow statement.
USD
Debt due within one year: revolving credit lines, current portion of long-term debt, and notes payable.
USD
Debt due after more than one year: bonds payable, long-term bank loans, and finance leases.
USD
Total principal and interest payments due in the next 12 months. Leave at zero to skip the debt-service coverage ratio (DSCR).
USD
Cash flow to debt ratioAdequate
23.3%

Operating cash flow as a percentage of total debt

Total debt1,500,000USD
Debt to cash flow ratio4.29
Years to repay4.3years
23.3% %
Very weak<10%Weak10%-20%Adequate20%-40%Strong40%+

Cash flow to debt ratio is 23.3%, indicating adequate but moderate debt coverage.

  • At current operating cash flow, it would take approximately 4.3 years to retire all debt if every dollar of cash flow went to repayment.
  • A ratio between 20% and 40% is common for mature businesses with moderate leverage. Watch for trends: a falling ratio signals rising risk.

Next stepCompare this ratio to industry peers and track it quarter-over-quarter. A rising ratio over time is a strong signal of improving financial health.

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