Financial Calculators

Nine professional tools wired to the concepts in the guides. Change an input, watch the decision change.

Enter figures from the statements

Liquidity items

Current assets$Inventory$Current liabilities$

Income statement

Revenue$Cost of goods sold$Operating income (EBIT)$Interest expense$Net income$

Balance sheet

Total assets$Total debt$Total equity$

Liquidity

Current ratio

Healthy range ≈ 1.5–3.0

2.08

Quick ratio

Excludes inventory; ≥ 1.0 is comfortable

1.42

Net working capital

Current assets minus current liabilities

$130,000

Profitability

Gross margin

Price power over direct cost

40.0%

Operating margin

EBIT per revenue dollar

12.5%

Net margin

Bottom line per revenue dollar

8.0%

Return on assets

Net income / total assets

10.7%

Return on equity

Net income / equity

16.0%

Leverage

Debt-to-equity

Lower is safer; > 2× demands stable cash flows

0.50×

Debt ratio

Debt / total assets

33.3%

Interest coverage

EBIT / interest; ≥ 5× is strong

8.33×

Efficiency

Asset turnover

Revenue per asset dollar

1.33×

Inventory turnover

COGS / inventory

9.00×

Days inventory

How long stock sits before sale

41 d

How to read this: green means the ratio is comfortably in a healthy zone for most industries, amber warrants a second look, red flags a question for the footnotes. Thresholds are generic — a grocery chain and a shipbuilder will legitimately differ, so always compare with the company’s own history and its sector peers (see the Ratio Analysis guide for the full method).