Financial Ratio Analysis Template
Calculate and analyze key financial ratios. Track profitability, liquidity, solvency, and efficiency ratios period-over-period.
How to use this template
Calculate profitability ratios
Compute gross profit margin, operating margin, net profit margin, return on assets (ROA), and return on equity (ROE). Compare to industry benchmarks.
Calculate liquidity ratios
Calculate current ratio, quick ratio, working capital, and cash ratio. Assess ability to meet short-term obligations.
Calculate solvency ratios
Compute debt-to-equity, debt-to-assets, interest coverage, and debt service coverage ratios. Assess financial leverage and default risk.
Calculate efficiency ratios
Compute asset turnover, inventory turnover, receivables turnover, payables period, and cash conversion cycle.
Analyze trends and variances
Compare ratios to prior periods, industry benchmarks, and competitors. Identify improving or deteriorating trends and investigate causes.
Why use this template
- Provides quantitative view of financial health and operating efficiency
- Enables comparison to industry benchmarks and competitors
- Identifies trends that may indicate emerging problems
- Supports debt covenant compliance and credit discussions
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