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Marketable securities

Liquid investments held instead of cash, typically treasury bills, commercial paper and short corporate bonds, reported separately from cash and equivalents.

Companies with large balances park them in securities to earn a yield. These sit next to cash-and-equivalents and are usually included with cash when computing net-debt, because they can be sold in days.

The risk is duration and credit. A portfolio of longer bonds carries mark-to-market losses when rates rise, and those losses can flow through accumulated-other-comprehensive-income rather than earnings, hiding in plain sight.

Example: Northwind Tools holds $75M of marketable securities alongside its $210M of cash, mostly treasury bills maturing inside nine months, earning $3M of interest-income.

Related: cash-and-equivalents, net-debt, interest-income, accumulated-other-comprehensive-income

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