Ngokomzekelo, ukuba inkampani inomdla kwiimali-mboleko zexesha elide okanye i-mortgage, i-TIE inokulinganisa ukuba kulula kangakanani ukuba inkampani ingene ngemali yokuhlawula umdla kuloo matyala.
Kwezinye iimeko, amaxesha athathwe ngumdla athathwe njengesilinganiselo se- solvency . Ngenxa yokuba inzala kunye neentlawulo zeenkonzo zetyala zihlala ziqhutywa ngexesha elide, zihlala ziphathwa njengendleko eqhubekayo, ehleliweyo. Njengokuba kukho iindleko ezizinzileyo, ukuba inkampani ayikwazi ukwenza iintlawulo, iyakwazi ukuphazamiseka kwaye iphelile. Ngaloo ndlela, lo mlinganiselo ungathathwa njengesilinganiselo se-solvency.
Ukubalwa
Amaxesha athile anomdla wokufumana umlinganiselo ubalwa ngokuhlula umvuzo ngaphambi kokuba inzala kunye nentlawulo (i-EBIT) iqhotyoshelwe kwingxelo yengeniso kwaye yahlule ngendleko yemali (I) nayo ingenayo ingxelo yengeniso .
Amaxesha anomdla athola = EBIT / I = Inani lamaxesha
Amanqaku anomdla wokufumana umlinganiselo uchazwe kumanani ngokuchasene neepesenti, nenani elibonisa ukuba kaninzi kangakanani inkampani inokuhlawula inzala kunye nengeniso engenayo ngaphambi kwentlawulo.
Ngenxa yoko, iiratios ezinkulu zibhekwa njengento efanelekileyo kunamanani amancinci. Ngokomzekelo, ukuba inani okanye inani li-4, inkampani inemali engenayo eyaneleyo yokuhlawula iindleko zayo zentlawulo izikhathi ezine. Kuthetha ngokungafaniyo, ingeniso yenkampani inezihlandlo ezine ngaphezu kweendleko zayo zonyaka.
Ephakamileyo kwinani, bhetele iqumrhu liyakwazi ukuhlawula umrhumo wenzalo okanye inkonzo yamatyala .
Ukuba i-TIE ingaphantsi kwe-1.0, ngoko i-firm ayikwazi ukuhlangabezana neendleko zayo ezipheleleyo kwiintlawulo zayo. Nangona kunjalo, umlinganiselo ophezulu ungabonisa ukuba inkampani inokungafuneki kwetyala okanye ayihlawulelanga amatyala kunye nemali engasetyenziselwa ezinye iiprojekthi.
Umzekelo
I-Joe's Excellent Computer Repair ifaka isicelo semboleko, kwaye ibhanki ifuna ukubona iinkcazo zemali zenkampani njengenxalenye yenkqubo yokuqwalasela. Le nkcazo ibonisa i-$ 50,000 kwingeniso ngaphambi kweendleko zentlawulo kunye nentlawulo. Inzala kawonkewonke yenkampani kunye nenkonzo yematyala yonyaka ifikelela kwii-5,000 zamawaka, ngoko kubalwa kube:
$ 50,000 / $ 5,000 = Ixesha eli-10
Ngaloo ndlela, i-Joe's Excellent Computer Repair inexesha elinomdla elifumana umyinge we-10, oku kuthetha ukuba inzuzo yenkampani iphindwe kathathu ngaphezu kweendleko zayo zonyaka kunye nekampani inokukwazi ukuhlawula imali yenzalo kule mboleko entsha. Ngaloo nto, i-Joe's Excellent Computer Repair ayikho ingozi enkulu, kwaye ibhanki iya kwamkela isicelo seboleko.