Keystone · Working Capital & Trade
Financial Ratio Analyzer
Enter income statement and balance sheet figures to compute key ratios with formulas, interpretations and warnings.
In short: Core financial ratios divide into profitability (ROE, ROA, margins), liquidity (current ratio), leverage (debt/equity, interest coverage) and efficiency (asset turnover). Ratios using averages require opening and closing balances.
Financial statements
Ratios using averages need both opening and closing balances — they are not substituted automatically.
Income statement
Balance sheet
Profitability
- Return on equity20.00%
Net income ÷ average equity
- Return on assets10.00%
Net income ÷ average total assets
- EBITDA margin20.00%
EBITDA ÷ revenue
- Net profit margin10.00%
Net income ÷ revenue
Liquidity
- Current ratio2.00×
Current assets ÷ current liabilities
Leverage
- Debt to equity0.50×
Total debt ÷ closing equity
- Interest coverage3.00×
EBIT ÷ interest expense
Efficiency
- Asset turnover1.00×
Revenue ÷ average total assets
Worked example
Net income of ₹1 Cr on average equity of ₹5 Cr gives ROE of 20%. Current assets of ₹5 Cr against ₹2.5 Cr of current liabilities gives a current ratio of 2×.
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Get a deeper financial review from a Virtual CFO
Estimates are indicative. A Keystone advisor can review your specific position.
Which ratios matter most to lenders?
Interest coverage, leverage and liquidity are typically scrutinised first, alongside trends across periods.
Are industry benchmarks applied?
Not automatically — benchmarks require verified data. Use the Industry Benchmark Explorer for P/E comparisons where data exists.
This tool provides indicative estimates for education and planning only. It is not investment advice, a fairness opinion, a tax computation, a financing offer or a regulatory determination. Consult a qualified advisor before acting on any result.
Service: Outsourcing Services