Skip to content
GetProfitable
Search
Dictionary

Credit spread (bond market)

The extra yield a corporate or other risky bond pays over a government bond of the same maturity, quoted in basis points and compensating for default and liquidity risk.

This is the bond market's credit spread, not the credit-spread options strategy that shares the name. It is the single most important number in credit: it is the price of default risk, and its direction usually matters more to a credit portfolio than the direction of rates.

Spreads are quoted in several ways. The simple version subtracts the yield of an interpolated Treasury. The cleaner versions, z-spread and option-adjusted-spread, discount every cash flow off the whole curve and, for OAS, strip out embedded options.

Example: a bond yields 6.10% while the matched Treasury yields 4.30%. The spread is 180 basis points. If the spread tightens to 150 and the bond has spread-duration of 6.5, the price gains about 6.5 x 0.30% = 1.95%.

Related: option-adjusted-spread, z-spread, spread-duration, corporate-bond, credit-curve

See it drawn

Original diagrams for the ideas on this page. Illustrative, not real market data.

Bid-ask spread in an order bookSell orders stacked above buy orders with a gap between the best of each.SELLERS (asks)50.0690050.051,40050.0460050.011,10050.002,30049.99800spread = 0.03BUYERS (bids)
The bid-ask spread. Buy orders sit below, sell orders above, and the gap between the best bid (50.01) and best ask (50.04) is the spread you pay to cross. Bar length shows the size resting at each price.

Educational only, not advice. Spotted an error? Post in Site Feedback.