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Financial ratio analyzer

Type in figures from a company's annual report, or your own business's accounts, and see the standard financial ratios with what each one measures. The tool uses only the numbers you enter.

Amounts are in
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Profit and loss (for the year)

The first line of the statement of profit and loss.

Cost of materials consumed + purchases of stock-in-trade + changes in inventories. Enter 0 if there is none.

Employee benefits expense + other expenses.

Its own line in the profit and loss statement.

Enter exceptional items here too. Use a minus sign for a loss.

Enter 0 if the company has no borrowings.

Current + deferred tax. Use a minus sign for a tax credit.

Balance sheet (end of year)

The total at the end of the assets side.

Equity share capital + other equity. Use a minus sign if it is negative.

Long-term + short-term borrowings, under non-current and current liabilities. Enter 0 if none.

Total current assets.

Total current liabilities.

Under current assets. Enter 0 if none.

Under current assets.

Under current assets. Shown in the report for reference.

Start of year

Optional. From the previous year's column in the same balance sheet. With these, ROE and ROA are also shown on average figures.

Use a minus sign if it was negative.

Previous year's total assets.

Per share

Optional. The number of shares is on the equity share capital note; enter the full count, not in lakh or crore.

Absolute count, e.g. 100000000 for 10 crore shares.

In rupees per share. Needed for P/E and P/B.

Worked out from your figures (₹ crore)

Gross profitRevenue − Cost of goods sold
Not available — enter Revenue from operations
EBITDARevenue − Cost of goods sold − Operating expenses
Not available — enter Revenue from operations
EBITEBITDA − Depreciation + Other income
Not available — enter Revenue from operations
Profit before taxEBIT − Finance costs
Not available — enter Revenue from operations
Net profitProfit before tax − Tax
Not available — enter Revenue from operations
Capital employedTotal assets − Current liabilities
Not available — enter Total assets

Profitability

Gross margin
Not available — enter Revenue from operations

Out of each ₹100 of revenue, how much is left after the direct cost of the goods sold.

Compare it with the same company's earlier years and with similar companies. Formula: Gross profit ÷ Revenue × 100.

EBITDA margin
Not available — enter Revenue from operations

Out of each ₹100 of revenue, how much is left after running costs, before depreciation, interest and tax.

Compare it with the same company's earlier years and with similar companies. Formula: EBITDA ÷ Revenue × 100.

EBIT margin
Not available — enter Revenue from operations

Out of each ₹100 of revenue, the profit before interest and tax, after depreciation and including other income.

Compare it with the same company's earlier years and with similar companies. Formula: EBIT ÷ Revenue × 100.

Net profit margin
Not available — enter Revenue from operations

Out of each ₹100 of revenue, how much ends up as net profit.

Compare it with the same company's earlier years and with similar companies. Formula: Net profit ÷ Revenue × 100.

Return on equity (ROE)
Not available — enter Total equity

How much net profit the company made for each ₹100 of shareholders' money.

Compare it with the same company's earlier years and with similar companies. Formula: Net profit ÷ Total equity (end of year) × 100.

ROE on average equity
Not available — enter Total equity at the start of the year

The same, using the average of equity at the start and end of the year.

Compare it with the same company's earlier years and with similar companies. Formula: Net profit ÷ ((Equity at start + Equity at end) ÷ 2) × 100.

Return on assets (ROA)
Not available — enter Revenue from operations

How much net profit the company made for each ₹100 of assets it holds.

Compare it with the same company's earlier years and with similar companies. Formula: Net profit ÷ Total assets (end of year) × 100.

ROA on average assets
Not available — enter Total assets at the start of the year

The same, using the average of total assets at the start and end of the year.

Compare it with the same company's earlier years and with similar companies. Formula: Net profit ÷ ((Assets at start + Assets at end) ÷ 2) × 100.

Return on capital employed (ROCE)
Not available — enter Revenue from operations

How much profit before interest and tax the company made for each ₹100 of capital employed.

Compare it with the same company's earlier years and with similar companies. Formula: EBIT ÷ Capital employed × 100, where Capital employed = Total assets − Current liabilities.

Liquidity

Current ratio
Not available — enter Current assets

How many rupees of current assets there are for each rupee of current liabilities.

Compare it with the same company's earlier years and with similar companies. Formula: Current assets ÷ Current liabilities.

Quick ratio
Not available — enter Current assets

The same, leaving out inventories, which can take longer to turn into cash.

Compare it with the same company's earlier years and with similar companies. Formula: (Current assets − Inventories) ÷ Current liabilities.

Leverage

Debt-to-equity
Not available — enter Total equity

How many rupees the company has borrowed for each rupee of shareholders' money.

Compare it with the same company's earlier years and with similar companies. Formula: Total borrowings ÷ Total equity.

Interest coverage
Not available — enter Finance costs

How many times the year's profit before interest and tax covers the year's interest.

Compare it with the same company's earlier years and with similar companies. Formula: EBIT ÷ Finance costs.

Efficiency

Asset turnover
Not available — enter Revenue from operations

How many rupees of revenue each rupee of assets brought in during the year.

Compare it with the same company's earlier years and with similar companies. Formula: Revenue ÷ Total assets.

Inventory turnover
Not available — enter Inventories

How many times the year-end inventory would be used up by a year's cost of goods sold.

Compare it with the same company's earlier years and with similar companies. Formula: Cost of goods sold ÷ Inventories.

Inventory days
Not available — enter Inventories

Roughly how many days of cost of goods sold the year-end inventory represents.

Compare it with the same company's earlier years and with similar companies. Formula: 365 ÷ Inventory turnover.

Receivable days
Not available — enter Trade receivables

Roughly how many days of revenue were still to be collected from customers at year end.

Compare it with the same company's earlier years and with similar companies. Formula: Trade receivables ÷ Revenue × 365.

Per share & valuation

Earnings per share (EPS)
Not available — enter Revenue from operations

The year's net profit for each share.

Compare it with the same company's earlier years and with similar companies. Formula: Net profit in ₹ ÷ Number of shares.

Book value per share
Not available — enter Total equity

Shareholders' money on the balance sheet for each share.

Compare it with the same company's earlier years and with similar companies. Formula: Total equity in ₹ ÷ Number of shares.

Price to earnings (P/E)
Not available — enter Revenue from operations

How many rupees of share price there are for each rupee of yearly earnings per share.

Compare it with the same company's earlier years and with similar companies. Formula: Share price ÷ EPS.

Price to book (P/B)
Not available — enter Total equity

How many rupees of share price there are for each rupee of book value per share.

Compare it with the same company's earlier years and with similar companies. Formula: Share price ÷ Book value per share.

DuPont breakdown

Splits ROE into three parts: how much net profit each ₹100 of revenue leaves (net margin), how much revenue each rupee of assets brings in (asset turnover), and how many rupees of assets there are for each rupee of equity (equity multiplier).

Not available — enter Total equity

Net profit margin × Asset turnover × Equity multiplier (Total assets ÷ Total equity). The product is worked out from the exact values, so it can differ slightly from multiplying the rounded parts shown. Compare it with the same company's earlier years and with similar companies.

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For education and illustration only. Results depend entirely on the figures you enter and on the definitions shown. This is not investment advice or a research recommendation, and AQVIK is not a SEBI-registered investment adviser or research analyst.

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How it's calculated

Gross profit = Revenue − Cost of goods sold.

EBITDA = Revenue − Cost of goods sold − Operating expenses.

EBIT = EBITDA − Depreciation + Other income.

Profit before tax = EBIT − Finance costs.

Net profit = Profit before tax − Tax.

Capital employed = Total assets − Current liabilities.

Gross margin = Gross profit ÷ Revenue × 100.

EBITDA margin = EBITDA ÷ Revenue × 100.

EBIT margin = EBIT ÷ Revenue × 100.

Net profit margin = Net profit ÷ Revenue × 100.

Return on equity (ROE) = Net profit ÷ Total equity (end of year) × 100.

Return on assets (ROA) = Net profit ÷ Total assets (end of year) × 100.

Return on capital employed (ROCE) = EBIT ÷ Capital employed × 100, where Capital employed = Total assets − Current liabilities.

Current ratio = Current assets ÷ Current liabilities.

Quick ratio = (Current assets − Inventories) ÷ Current liabilities.

Debt-to-equity = Total borrowings ÷ Total equity.

Interest coverage = EBIT ÷ Finance costs.

Asset turnover = Revenue ÷ Total assets.

Inventory turnover = Cost of goods sold ÷ Inventories.

Inventory days = 365 ÷ Inventory turnover.

Receivable days = Trade receivables ÷ Revenue × 365.

Earnings per share (EPS) = Net profit in ₹ ÷ Number of shares.

Book value per share = Total equity in ₹ ÷ Number of shares.

Price to earnings (P/E) = Share price ÷ EPS.

Price to book (P/B) = Share price ÷ Book value per share.

ROE and ROA on average figures use (start of year + end of year) ÷ 2 in place of the year-end figure.

DuPont: ROE = Net profit margin × Asset turnover × Equity multiplier, where Equity multiplier = Total assets ÷ Total equity.

EPS and book value per share convert amounts to rupees using the unit you choose: 1 lakh = 1,00,000 and 1 crore = 1,00,00,000.

All sums are exact; results are rounded only for display: percentages and ratios to 2 decimals, days to 1 decimal.

Questions

What is ROE and how is it calculated?

Return on equity (ROE) is the net profit for the year divided by total equity (shareholders' funds), times 100. It shows how much net profit the company made for each ₹100 of shareholders' money. This tool shows it on year-end equity and, if you enter the start-of-year figure, on average equity.

What is the difference between ROE and ROCE?

ROE uses net profit, after interest and tax, and divides it by shareholders' equity only. ROCE uses EBIT, profit before interest and tax, and divides it by capital employed (here total assets minus current liabilities), which includes borrowed money as well as equity. A company with large borrowings can show quite different ROE and ROCE.

Where do I find these numbers in an annual report?

Revenue, expenses, depreciation, other income, finance costs and tax are in the statement of profit and loss. Total assets, equity, borrowings, current assets and liabilities, inventories, receivables and cash are in the balance sheet, which also shows the previous year's figures for the start of the year. The number of shares is in the note on equity share capital. Use the same basis throughout, either standalone or consolidated.

Does this tool tell me which stock to buy?

No. It only calculates ratios from the figures you type in and explains what each one measures. It does not look up any company, does not judge whether a result is good or bad, and does not recommend buying, selling or holding anything.