Debt Model — TEXAS HEALTH H-E-B
Leverage: 5.5x entry → 3.8x exit
🛡️ Public data only — no PHI permitted on this instance.
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5.5x
Entry Leverage
3.8x
Exit Leverage
$20M
Total Debt at Entry
Debt Schedule
Annual debt balance, mandatory repayment, interest expense, and leverage trajectory.
| Year | Balance | Principal | Interest | Leverage |
|---|---|---|---|---|
| Year 1 | $20.0M | $0.4M | $1.3M | 5.2x |
| Year 2 | $19.6M | $0.4M | $1.3M | 5.0x |
| Year 3 | $19.2M | $0.4M | $1.3M | 4.7x |
| Year 4 | $18.8M | $0.4M | $1.2M | 4.5x |
| Year 5 | $18.3M | $0.4M | $1.2M | 4.3x |
| Year 6 | $17.9M | $0.4M | $1.2M | 4.0x |
| Year 7 | $17.4M | $0.5M | $1.2M | 3.8x |
What This Means
Entry leverage of 5.5x deleverages to 3.8x over the hold period — a 1.7x reduction. Moderate deleveraging.
Check the returns & covenant page to see how leverage affects covenant headroom.