INTERNATIONAL BUSINESS MACHINES CORP

IBM Enterprise IT & Services 4/10 Medium Risk
4/10

INTERNATIONAL BUSINESS MACHINES CORP has $45.1B in total long-term debt with $62.3B in scheduled maturities. Approximately $6.4B (10% of maturities) is due within the next twelve months. Overall, IBM carries moderate refinancing risk (score 4/10).

Maturity Schedule

Year 1 $6.4B Year 2 $6.8B Year 3 $5.2B Year 4 $5.1B Year 5 $4.5B Beyond 5 $34.3B
Period Amount Due % of Total
Year 1 (0-12 months) $6.4B 10.3%
Year 2 (12-24 months) $6.8B 10.8%
Year 3 (24-36 months) $5.2B 8.3%
Year 4 (36-48 months) $5.1B 8.2%
Year 5 (48-60 months) $4.5B 7.2%
Beyond 5 Years $34.3B 55.1%
Total Scheduled Maturities $62.3B 100.0%

Key Metrics

Total Long-Term Debt
$45.1B
Near-Term (12mo)
$6.4B
Interest Coverage
N/A
Debt/Equity
1.65
Cash Coverage
2.17x
Operating Income
N/A

Score Components

Component Value Weight
Near-Term Maturity Concentration 10.3% 30%
Interest Coverage Ratio N/A 25%
Debt-to-Equity Ratio 1.65 25%
Cash Coverage of Near-Term Debt 2.17x 20%

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Data Source: Financial data sourced from SEC EDGAR XBRL filings (10-K annual reports). Most recent filing date: 2026-02-24. Data last fetched: 2026-03-15. Maturity schedules reflect the company's most recently reported debt repayment obligations. Data quality: Partial.