• Financial Statement Analysis

    Financial Statement Analysis

    Collection of articles for understanding, reading and analyzing financial statements from the perspective of a creditor.

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  • Online Financial Ratio Calculators

    Online Financial Ratio Calculators

    The section has online calculators and downloadable spreadsheets to calculate key financial ratios.

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  • Financial Ratio Analysis

    Financial Ratio Analysis

    Vertical, Horizontal, Peer Group and common Ratio Analysis

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  • Financial Statement - Training and Seminars

    Financial Statement - Training and Seminars

    Credit Guru Inc offers a course on Understanding Analyzing and Reading Financial Statement. No prior knowledge of accounting or finance is required.

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Industry Norms and Key Business Ratios

Industry Norms & RatiosThe following key business ratios were obtained from the public domain and may not be accurate. However, they will give you a rough idea.

Key Business Ratios can be obtained from companies like D&B (Dun & Bradstreet). Their ratios are developed and derived from the financial statements in their extensive database. They are based on activities of numerous industries, includes a combination of financial statements and business ratios to help the credit community to compare a company's financial performance to its peer group by industry size and region. For more information and an extensive list of the key business ratios please contact your local Dun & Bradstreet office.

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Current Ratio

Quick Ratio

Debt to Equity

Sales to Inventory

DSO

Profit Margin %

Agriculture

1.31

0.39

1.33

2.52

19.00

2.58

Mining

1.19

0.77

0.48

0.00

52.00

0.00

Construction

1.44

0.98

1.31

4.74

43.00

1.74

             
Manufacturing            
Leather/Textile/App

1.50

0.62

1.48

6.05

34.00

1.64

Chem. Petrol. Metal

1.54

0.75

1.33

6.94

48.00

2.23

Wood Related Prod

1.43

0.62

1.41

6.46

33.00

2.16

Mach-trans equipment

1.54

0.74

1.34

5.89

51.00

2.38

             
Trans-Communic

1.03

0.70

1.64

0.00

34.00

1.84

             
Wholesale            
Non-Durable

1.53

0.66

1.70

4.63

39.00

1.40

Durable

1.42

0.69

1.60

7.36

31.00

1.11

             
Retail            
Hardware

1.68

0.43

1.30

4.20

22.00

1.11

Gen. Merchandise

2.14

0.15

0.59

3.81

4.00

0.16

Automobiles

1.23

0.19

2.61

4.75

9.00

0.84

Apparel

1.90

0.14

0.91

2.96

2.00

1.35

Furniture

1.61

0.38

1.33

4.03

16.00

0.92

Restaurants

0.73

0.18

1.24

35.65

1.00

0.43

             
Financial Services

1.18

0.34

0.72

0.00

1.00

1.29

Business Services

1.36

0.84

1.11

0.00

42.00

1.75

Service Industry

1.29

0.68

0.75

3.04

15.00

0.77

Articles on Financial AnalysisFinancial Analysis Articles

Collection of articles for understanding, reading and analyzing financial statements from the perspective of a creditor...


 

Key Financial Ratios explainedFinancial Ratios

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Online Ratio CalculatorsOnline Ratio Calculators

The section features online calculators and downloadable spreadsheets to calculate key financial ratios...


 

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