Credit & Debt Ratios API

Retrieve credit and debt ratios for any publicly traded company. This endpoint returns leverage and solvency metrics that measure a company's debt burden relative to its earnings, equity, and ability to service interest payments.

Credit ratios are essential for fixed-income analysis, credit risk assessment, and understanding a company's financial stability. Debt-to-EBITDA is widely used by credit rating agencies and lenders to evaluate borrowing capacity, while the interest coverage ratio reveals whether a company generates enough operating income to meet its debt obligations. These metrics are equally valuable for equity investors who want to avoid over-leveraged companies or identify deleveraging opportunities.

Data is available for both annual and quarterly periods, with up to 250 historical periods per request.

GEThttps://api.roic.ai/v2/fundamental/ratios/credit/{identifier}

Parameters

Path Parameters

identifierstringrequired

Company identifier — supports ticker symbol (e.g., `AAPL`), CIK, CUSIP, or ISIN.

Example: AAPL

Query Parameters

apikeystringrequired

Your API key for authentication.

periodstringoptional

Reporting period for financial data.

Default: annualValues: annual, quarterly

limitnumberoptional

Maximum number of periods to return.

Default: 10Example: 10

fiscal_year_startnumberoptional

Filter results starting from this fiscal year.

Example: 2020

fiscal_year_endnumberoptional

Filter results ending at this fiscal year.

Example: 2024

date_startstringoptional

Filter results starting from this date (YYYY-MM-DD format).

Example: 2020-01-01

date_endstringoptional

Filter results ending at this date (YYYY-MM-DD format).

Example: 2024-12-31

orderstringoptional

Sort order for time-series data.

Default: DESCValues: ASC, DESC

formatstringoptional

Response format. Use `json` for JSON (default) or `excel` for tab-separated values compatible with Google Sheets and Excel.

Default: jsonValues: json, excel

Code Examples

curl "https://api.roic.ai/v2/fundamental/ratios/credit/AAPL?apikey=YOUR_API_KEY"

Response

Response200 OK

[
  {
    "ticker": "AAPL",
    "date": "2025-09-30",
    "period": "annual",
    "period_label": "2025",
    "fiscal_year": "2025",
    "currency": "USD",
    "short_and_long_term_debt": 98657000000,
    "bs_st_borrow": 20329000000,
    "bs_lt_borrow": 78328000000,
    "tot_debt_to_ebitda": 0.6815776383784232,
    "net_debt_to_ebitda": 0.43332550363390165,
    "total_debt_to_ebit": 0.7415031942878617,
    "net_debt_to_ebit": 0.471424276587749,
    "com_eqy_to_tot_asset": 22.075431256454582,
    "lt_debt_to_tot_eqy": 106.23194499070972,
    "lt_debt_to_tot_cap": 44.014137929096826,
    "lt_debt_to_tot_asset": 21.803747345097023,
    "tot_debt_to_tot_eqy": 133.80304612588665,
    "tot_debt_to_tot_cap": 55.4374273014874,
    "tot_debt_to_tot_asset": 27.46262258483859,
    "net_debt_to_shrhldr_eqty": 85.06774442922436,
    "net_debt_to_capital": 44.16272962183247,
    "ebitda": 144748000000,
    "ebitda_after_capex": 132033000000,
    "is_oper_income": 133050000000
  }
]

Field Dictionary

Field	Description
`short_and_long_term_debt`	Total debt (short-term + long-term)
`bs_st_borrow`	Short-term borrowings
`bs_lt_borrow`	Long-term borrowings
`tot_debt_to_ebitda`	Total debt to EBITDA
`net_debt_to_ebitda`	Net debt to EBITDA
`total_debt_to_ebit`	Total debt to EBIT
`net_debt_to_ebit`	Net debt to EBIT
`com_eqy_to_tot_asset`	Common equity to total assets
`lt_debt_to_tot_eqy`	Long-term debt to total equity
`lt_debt_to_tot_cap`	Long-term debt to total capital
`lt_debt_to_tot_asset`	Long-term debt to total assets
`tot_debt_to_tot_eqy`	Total debt to total equity
`tot_debt_to_tot_cap`	Total debt to total capital
`tot_debt_to_tot_asset`	Total debt to total assets
`net_debt_to_shrhldr_eqty`	Net debt to shareholders' equity
`net_debt_to_capital`	Net debt to capital
`ebitda`	EBITDA
`ebitda_after_capex`	EBITDA after capital expenditures
`is_oper_income`	Operating income (EBIT)

Metadata

Field	Description
`ticker`	Company ticker symbol
`date`	Period end date
`period`	Reporting period (e.g. Annual, Quarterly)
`period_label`	Human-readable period label
`fiscal_year`	Fiscal year
`currency`	Reporting currency

Use Cases

Screen for companies with low debt-to-EBITDA ratios to find financially conservative businesses
Monitor interest coverage trends to identify companies at risk of debt distress
Compare leverage ratios across industry peers to evaluate relative financial risk
Track deleveraging progress after acquisitions or capital-intensive expansion
Build credit risk scoring models using debt-to-equity and interest coverage as input features

Liquidity Ratios - short-term solvency metrics including Altman Z-Score
Profitability Ratios - margins and returns that drive debt serviceability
Balance Sheet - detailed debt, equity, and asset breakdown
Enterprise Value - market cap and EV for debt-adjusted valuation