# Balance-Sheet Resilience Score

`D18-F09-A08` · Fundamental Analysis and Valuation → Integrated Equity Scoring · archetype `record-transform` · difficulty 3/5 · verification **verified**

Full page: https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/integrated-equity-scoring/balance-sheet-resilience-score/
Agent skill: `npx skills add IslamBaraka90/Fintech-Algorithms-Library` — https://docs.thefintechbuilder.com/guides/agent-skill/

## Install and import

```bash
npm install fintech-algorithms
```

```ts
import { balanceSheetResilienceScore } from "fintech-algorithms/fundamental-analysis-and-valuation/integrated-equity-scoring/balance-sheet-resilience-score";
```

## Signature

```ts
balanceSheetResilienceScore(data)
```

Scores balance-sheet resilience from the current ratio, net debt against four times EBITDA, EBITDA interest coverage, and the share of debt not maturing within twelve months, each clamped and weighted into one score.

## Parameters

| Name | Type | Required | Notes |
| --- | --- | --- | --- |
| `data` | `{ current_assets: number; current_liabilities: number; total_debt: number; ebitda: number; interest_expense: number; cash_and_equivalents: number; debt_due_12m: number }` | yes | `current_assets`, `current_liabilities`, `total_debt`, `ebitda` and `interest_expense` must be positive; `cash_and_equivalents` and `debt_due_12m` must not be negative, and `debt_due_12m` may not exceed `total_debt`. |

## Returns

`{ state: string; method: string; components: { liquidity: number; net_leverage: number; interest_coverage: number; maturity_headroom: number }; weights: Record<string, number>; contributions: Record<string, number>; balance_sheet_resilience_score: number; band: string }`

`components` holds the four measures each clamped to 0 to 100, `weights` gives 0.3 each to `liquidity` and `net_leverage`, 0.25 to `interest_coverage` and 0.15 to `maturity_headroom`, `contributions` is each component times its weight, and `balance_sheet_resilience_score` is their sum. `band` is `strong` at 75 or above, `watch` at 50 or above, otherwise `weak`.

## Errors

- When any of the seven inputs is not a finite number — throws TypeError
- When current_assets, current_liabilities, total_debt, ebitda or interest_expense is not positive — throws RangeError
- When cash_and_equivalents or debt_due_12m is negative — throws RangeError
- When debt_due_12m exceeds total_debt — throws RangeError

## Complexity

Time `O(1)`, space `O(1)`.

## Worked example

Captured by running this function on the input its own test provides. Real output of real code — but not asserted against a published figure.

### Input

`data`:

```json
{
  "current_assets": 500,
  "current_liabilities": 250,
  "total_debt": 400,
  "ebitda": 160,
  "interest_expense": 32,
  "cash_and_equivalents": 120,
  "debt_due_12m": 80
}
```

### Call

```ts
balanceSheetResilienceScore(data)
```

### Returns

object with 7 fields: state, method, components, weights, contributions, balance_sheet_resilience_score, band

```json
{
  "state": "calculated",
  "method": "liquidity-leverage-coverage-maturity-resilience",
  "components": {
    "liquidity": 100,
    "net_leverage": 56.25,
    "interest_coverage": 50,
    "maturity_headroom": 80
  },
  "weights": {
    "liquidity": 0.3,
    "net_leverage": 0.3,
    "interest_coverage": 0.25,
    "maturity_headroom": 0.15
  },
  "contributions": {
    "liquidity": 30,
    "net_leverage": 16.875,
    "interest_coverage": 12.5,
    "maturity_headroom": 12
  },
  "balance_sheet_resilience_score": 71.375,
  "band": "watch"
}
```

## Other exports

`calculate`, `pointInTimeStockScoringInputAssembly`, `stockScoringPeerCohortResolver`, `fundamentalMetricDirectionAndPeerNormalization`, `modelApplicabilityAndVariantRouter`, `accountingFinancialHealthComposite`, `earningsQualityComposite`, `dividendSafetyScore`, `distressModelEnsemble`, `crossModelConflictAndDoubleCountingResolver`, `overallExplainableStockScore`, `scoreConfidenceMissingDataPenaltyAndAbstention`, `marketWideStockScreeningAndRanking`, `stockScoreHistoryMigrationAndChangeAttribution`. Every module additionally exports `run` as an alias of its primary
function, and a `meta` object carrying its catalog id, domain, family, shape and article URL.

## Verification and provenance

Tier: **verified** (via D).

The worked example below is the figure published in this algorithm's article, replayed and asserted by the test suite on every build. The arithmetic cannot drift without the build failing.

Both tiers guarantee the signature. Full explanation: https://docs.thefintechbuilder.com/guides/verification/

Generated from the docs.json payload shipped inside fintech-algorithms@0.13.0.
The signature and parameter list are checked against the compiled implementation at build time,
so a description that contradicts the code fails the build rather than reaching this file.

## Links

- Article (how it works, step by step): https://thefintechbuilder.com/fundamental-analysis-and-valuation/integrated-equity-scoring/balance-sheet-resilience-score/
- Implementation source: https://github.com/IslamBaraka90/Fintech-Algorithms-Library/blob/main/src/fundamental-analysis-and-valuation/integrated-equity-scoring/balance-sheet-resilience-score/impl.ts
- Package on npm: https://www.npmjs.com/package/fintech-algorithms
- Domain index for agents: https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/llms.txt