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Glossary term

Solvency

Definition

Solvency is whether you own more than you owe — the long-term ability to stay financially afloat.

Technical definition

Solvency is the condition in which total assets exceed total liabilities, indicating the operation can meet long-term obligations.

Why it matters

Solvency reflects long-term staying power. Lenders look at it to judge whether an operation can survive downturns.

Example

An operation whose assets comfortably exceed its debts is considered solvent.

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