A Guide To Credit Analysis
Credit Analysis is an attempt to determine the financial condition of an entity at a given point in time. The past performance of an entity is no indication of how it may perform tomorrow, and absolutely no one can predict the future, but it is possible to know at a given point what the situation really is, and what a reasonable expectation may be if there was no major disruption of the national economy. read more ...
Not every company is large enough or may be able to supply detailed financial statements, however it is still important to know and be able to calculate some financial ratios, which will provide some insight into the operations of a company. read more ...
Due to the Economic Recession in the United States, home ownership rates have declined and the residential rental vacancy rate has correspondingly decreased as more U.S. citizens became renters. In addition, as residential property prices and rents have increased after the Economic Recession, and incomes have remained flat, affordability and residual income have become an issue: many U.S. citizens spend closer to 50.0% of income on housing, and less is available for transportation (usually the second largest monthly expense) and other expenses. read more ...
