Ratio calculators

Ratio calculatorsRatio calculators.

Debt ratios.

Debt ratio.

The debt ratio gives an indication of the gearing level of your business.

Debt to income ratio.

The debt to income ratio gives an indication of the sustainability of the debt load of your business.

Interest cover.

The interest cover ratio gives an indication of the ability of your business to meet ongoing interest bills and therefore service debt.

Profitability ratios.

Net profit margin.

For a business to survive in the long term it must generate profit. Therefore the net profit margin ratio is one of the key performance indicators for your business.

Gross profit margin.

The gross profit margin gives an indication of whether the average mark up on goods and services is sufficient to cover expenses and make profit.

Return on assets.

The return on assets ratio indicates how effectively the assets of your business are working to generate profit.

Breakeven Analyser.

The breakeven analysis calculator allows you to examine some of the critical profit drivers of your business including sales volume, average cost of production and the average sales price.

Operating expenses to sales.

The operating expenses to sales ratio gives an indication of the efficiency of the cost structure of your business.

Sales per employee.

This ratio compares the dollar volume of sales against the total full time employee equivalent of people working in the business.

Liquidity ratios.

Working capital.

The working capital ratio can give an indication of the ability of your business to pay its bills.

Quick assets ratio.

The quick assets ratio gives an indication of the level of liquid assets that can be used to meet short term liabilities.

Stock turnover.

The stock turnover ratio indicates how quickly your business is turning over stock.

Debtor ageing ratio.

The debtor ageing ratio indicates the average time it takes your business to collect its debts. It’s worth looking at this ratio over a number of financial years to monitor performance trends.

Creditor ageing ratio.

The creditor ageing ratio indicates the average time it takes for your business to pay its bills.

Important information.

Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you.

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ANZ tools, templates and checklists are only some of many ways to analyse a business or industry to assist your planning and business decision making. You should seek the assistance of your business advisor or accountant when either planning for or analysing your business’ performance. To the extent permitted by law, ANZ makes no warranty and has no liability, in respect of your use of and reliance on these tools.

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