Financial Ratio Template
Calculate key financial ratios including liquidity, profitability, and efficiency.
What's Included:
- Complete ratio suite covering liquidity, profitability, leverage, and efficiency
- Industry benchmark comparisons with configurable target ranges
- Trend analysis showing how each ratio has changed over 12 months
- Traffic-light dashboard with green/yellow/red indicators per ratio
Available Formats:
Download Free Template
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Financial ratios transform raw accounting numbers into meaningful performance indicators. A revenue number in isolation tells you little, but revenue-to-assets (asset turnover) tells you how efficiently you use your assets. This template calculates 15+ ratios across four categories so you get a holistic financial health check.
The traffic-light dashboard is designed for busy business owners who want to spot problems at a glance. Each ratio gets a color based on whether it falls within, near, or outside your target range. If your current ratio drops into yellow, you know to investigate working capital. If your debt-to-equity goes red, it is time to address leverage.
How to Use This Template
Enter Financial Data
Input key figures from your P&L and balance sheet—revenue, net income, total assets, current assets, current liabilities, total debt, and equity.
Set Industry Benchmarks
Enter target ranges for each ratio based on your industry. The template compares your actual ratios to benchmarks and flags concerns.
Monitor the Dashboard
Review the traffic-light dashboard monthly. Green means healthy, yellow means watch closely, red means take action. Drill into any red ratios to understand the cause.
Frequently Asked Questions
What are the most important financial ratios for small businesses?
Start with current ratio (liquidity), gross margin and net margin (profitability), debt-to-equity (leverage), and accounts receivable turnover (efficiency). This template calculates all of these plus 10+ additional ratios with industry benchmark comparisons.
How often should I calculate financial ratios?
Monthly is ideal for actively managed businesses. At minimum, calculate ratios quarterly when you update your financial statements. The trend analysis in this template requires at least three months of data to reveal meaningful patterns.
Related Financial Resources
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