Aggarwal Abhishek & Co.
CHARTERED ACCOUNTANTS
CHARTERED ACCOUNTANTS
Educational Ratio Analysis & Due-Diligence Self-Assessment β Not Investment Advice
This tool is free to use. We just ask for a few contact details first, so our team can follow up if you'd like professional help with what it shows. None of the financial figures you enter into the tool itself are sent to us β they stay in your browser, exactly as before.
| Line Item | Current Period | Prior Period |
|---|---|---|
| Gross Revenue | ||
| Cost of Goods Sold (COGS) | ||
| Gross Profit | ||
| SG&A Expense | ||
| Depreciation & Amortization | ||
| EBITDA | ||
| EBIT / Operating Income | ||
| Interest Expense | ||
| Pre-Tax Income (EBT) | ||
| Tax Expense | ||
| Tax treatment: enter tax expense as a positive number and it will be deducted automatically. Enter a negative number only when you want a tax benefit/add-back. | ||
| Net Income | ||
| Line Item | Amount |
|---|---|
| ASSETS | |
| Cash & Cash Equivalents | |
| Accounts Receivable | |
| Inventories | |
| Other Current Assets | |
| Total Current Assets (TCA) | |
| Net PP&E | |
| Other Non-Current Assets | |
| Total Assets | |
| LIABILITIES | |
| Accounts Payable | |
| Short-Term Borrowings | |
| Other Current Liabilities | |
| Total Current Liabilities (TCL) | |
| Long-Term Debt | |
| Other Non-Current Liabilities | |
| Total Liabilities | |
| EQUITY | |
| Total Shareholders' Equity | |
ROA, ROE, Asset Turnover and Receivables Turnover are scored using period-end balances above (standard practice in most published reports). If the company grew or shrank materially during the year, period-end balances distort these ratios. Enter Prior FY-End balances below to see an average-balance version alongside the scored figure in Tab 2 β informational only, not weighted into the score.
Every score below is driven by Favorability % β how far the company's ratio sits from the benchmark, in the direction that is good for the company. These bands are documented (not hidden) so the score can be audited or reproduced:
Replace these benchmark values with real, cited industry data before relying on the score (e.g. sector ratio studies, comparable-company filings, trade-association averages). Weights are editable but must sum to 100% β the badge above turns red if they don't.
| Category | Ratio Metric | Direction Target | Target Benchmark | Weight | Source (edit me) |
|---|
Ratios cannot see fraud, key-person dependency, or an undisclosed lawsuit. Rate each item honestly. Any single "High" rating overrides the quantitative score on the Dashboard and Decision Report β the model will flag the company for manual review regardless of how strong its ratios look.
| Due-Diligence Item | Risk Rating | Notes |
|---|
| Category | Ratio Metric | Company | Benchmark | Variance | Score (1-5) | Weight | Weighted Score | Investment Guidance |
|---|---|---|---|---|---|---|---|---|
| OVERALL WEIGHTED FINANCIAL SCORE | - | 100.0% | 0.00 | Rating Summary | ||||
How the overall score is built: Overall = Ξ£(score Γ weight) Γ· Ξ£(weights), so it stays on the 1β5 scale even if your weights do not add up to 100% (the "Weighted Score" column shows score Γ weight). Special cases: with zero or negative shareholders' equity, Debt-to-Equity, Equity Multiplier and ROE are shown as n/m and scored 1 (weakest). With no interest expense, Interest Coverage is shown as n/a and scored 5. Net Income Growth is n/m when prior-period net income is zero or negative (scored 4 if income improved, 3 if unchanged, 1 if worse).
| Category | Metric | Value | Note |
|---|
Each bar is the weighted score for that group of ratios, from 1 (weakest) to 5 (strongest). The number is shown beside the bar.
Send us your figures and a Chartered Accountant will go through the result with you and tell you what to fix first.