Credit & Lending Decisions Assessment Report on Ramsay Health Care

Ramsay Health Care Limited (RHC) is an Australian public listed company that provides various quality health care through a worldwide network of clinical practices, research, and teaching. It is the largest company in the industry of private general hospitals in Australia, with more than 8.5 million patient visits/admissions per year, around 77,000 employees, 519 facilities and hospitals in 11 countries of 4 regions which are Australia, Europe, the UK, and Asia (Ramsay Health Care 2020). RHC has achieved organic growth, developed abandoned industrial facilities and expanded its capacity and acquisitions both internationally and domestically (IBISWorld 2021). This report evaluates the creditworthiness of Ramsay Health Care and allocates a credit outcome for this company. Firstly, in financial analysis, ratios have been calculated to determine the financial performance of the company. Then, in the non-financial analysis part, non-financial information that influences the creditworthiness of the company is analysed. After that, in the market/industry section, the company’s market position will be compared to the industry conditions to determine the impacts on the current and potential performance of the company. Finally, in the conclusion part, a credit determination is made based on this report’s findings.