Financial Ratio Calculator

Calculate all key financial ratios instantly for credit analysis. Enter your financial statement data below to get liquidity, leverage, profitability, and coverage ratios.

📊 Financial Statement Data

Balance Sheet
$
$
$
$
$
$
$
$
$
$
$
$
Income Statement
$
$
$
$
$
$
Debt Service (Optional)
$
💡 Pro Tip
Enter all values in the same currency. Annual figures are recommended for most accurate ratio calculations. Debt service fields are optional but needed for DSCR calculation.

📈 Financial Ratios

📊
Enter your financial data to calculate ratios
Fill in the balance sheet and income statement fields on the left, then click "Calculate Ratios"
Current Ratio
-
Benchmark: > 1.5
Quick Ratio
-
Benchmark: > 1.0
Working Capital
-
Should be positive
Debt-to-Equity
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Benchmark: < 2.0
Debt-to-Assets
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Benchmark: < 0.6
Equity Ratio
-
Benchmark: > 0.4
Gross Profit Margin
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Industry varies
Net Profit Margin
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Industry varies
Return on Assets (ROA)
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Benchmark: > 5%
Return on Equity (ROE)
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Benchmark: > 10%
EBITDA Margin
-
Industry varies
Interest Coverage
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Benchmark: > 2.5
DSCR (Debt Service Coverage)
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Benchmark: > 1.25
Asset Turnover
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Industry varies
Receivables Turnover
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Higher is better
Days Sales Outstanding (DSO)
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Lower is better
Inventory Turnover
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Industry varies
Days Inventory Outstanding (DIO)
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Lower is better

Automate Your Financial Analysis

Stop manually entering data. Glib.ai's Financial Statement Analyzer automatically extracts and calculates all these ratios from uploaded statements in seconds.

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