🏦 利息保障倍数Interest Coverage Ratio Calculator
利息保障倍数 = 息税前利润 EBIT ÷ 利息费用，衡量公司用经营利润支付利息的能力。本地处理。Interest coverage = EBIT ÷ interest expense - how easily operating profit pays the interest bill. Processed locally.
使用说明与常见问题How-to & FAQ
「利息保障倍数」是什么？What is the Interest Coverage Ratio Calculator tool?
利息保障倍数 = 息税前利润 EBIT ÷ 利息费用，衡量公司用经营利润支付利息的能力。本地处理。Interest coverage = EBIT ÷ interest expense - how easily operating profit pays the interest bill. Processed locally.
如何使用「利息保障倍数」？How do I use the Interest Coverage Ratio Calculator tool?
填写息税前利润 EBIT 和利息费用，即可得到利息保障倍数 = EBIT ÷ 利息费用。结果会随输入实时更新。Enter EBIT and the interest expense to get the interest coverage ratio = EBIT ÷ interest expense. The result updates as you type.
EBITDA 版本？EBITDA version?
也有人用 EBITDA ÷ 利息，结果更宽松。Some use EBITDA ÷ interest, which looks more generous.
能举个计算实例吗？Can you show a worked example?
例如在「利息保障倍数」中填 息税前利润 EBIT = 500000，利息费用 = 100000，结果区显示：利息保障倍数：5×；评价：健康（≥ 3）For example, entering EBIT = 500000, Interest expense = 100000 in the Interest Coverage Ratio Calculator gives: Interest coverage: 5×; Reading: healthy (≥ 3)
哪些输入会被检查？Which inputs are validated?
「利息保障倍数」会检查这些输入——「息税前利润 EBIT」：必须填写，须为数字；「利息费用」：必须填写，须大于 0；绝对值超过 10¹⁵ 的数也会被拒绝。不符合时结果区显示具体提示，不会给出数字。The Interest Coverage Ratio Calculator checks its inputs — "EBIT": required, must be a number; "Interest expense": required, must be greater than 0; numbers above 10¹⁵ in absolute value are rejected too. When a value fails, the result area names the problem instead of showing a number.
有哪些选项可以调整？What options can I adjust?
「利息保障倍数」的设置：「息税前利润 EBIT」默认 500000；「利息费用」默认 100000。每次生成结果都按当前设置处理。Settings in the Interest Coverage Ratio Calculator — "EBIT" default 500000; "Interest expense" default 100000. The result always uses the current settings.
计算结果可以作为最终依据吗？Can I rely on the result?
「利息保障倍数」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Interest Coverage Ratio Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「利息保障倍数」免费吗？需要注册吗？Is the Interest Coverage Ratio Calculator free? Do I need an account?
「利息保障倍数」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Interest Coverage Ratio Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.