Finance Formulas


Assets = Liabilities + Equity

Net Working Capital = Current Assets - Current Liabilities

Current Ratio = Current Assets / Current Liabilities

Quick Ratio (Acid Test) = (Current Assets - Inventory) / Current Liabilities

Cash Ratio = (Cash and Marketable Securities) / Current Liabilities

Inventory Turnover = (Sales OR Cost of Goods Sold)/Inventory

Day's Sales in inventory = (Inventory x 365) / Sales or Cost of Goods Sold
Day's Sales in inventory = 365 Days / Inventory Turnover

Accounts Receivable Turnover = Credit Sales / Accounts Receivables
Average Collection Period = (Accounts Receivable x 365 Days) / Credit Sales
Average Collection Period = 365 Days / Accounts Receivable Turnover

Fixed Asset Turnover = Sales / Net Fixed Assets
Sales to Working Capital = Sales / Working Capital

Total Asset Turnover = Sales / Total Assets

Capital Intensity = Total Assets / Sales
Capital Intensity Ratio = Total Assets / Full Capacity Sales

Debt Ratio = Total Debt / Total Assets

Debt to Equity = Total Debt / Total Equity

Equity Multiplier = Total Assets / Total Equity
Equity Multiplier = Total Assets / Common Stockholder Equity

Earnings Per Share (EPS) = Net Income Available to Shareholders/Total Shares of Common Stock Outstanding

Dividends Per Share = Common Stock Dividend / Number of Common Shares Outstanding

Book Value per share = (Common stock + paid -in surplus + retained earnings) / Number of common stock shares outstanding

Market Value per share =  Market price of common stock

Retained Earnings = Net Income - Dividends

Sustainable growth rate = (ROE × b) / [1 – (ROE × b)]
Where b = 1 - dividend payout ratio

EFN = Total assets – Total liabilities and equity
EFN = Increase in assets


NWC = CA – CL
Net Working Capital = Current Assets - Current Liabilities

Change in NWC = NWCend – NWCbeg
Change in NWC = NWCend – NWCbeg = (CA – CL) end – (CA – CL) beg

The average tax rate is the total tax paid divided by net income
Average Tax = Tax Liability / Taxable income

OCF = EBIT + Depreciation – Taxes
OCF with tax shield:
OCF = (Sales-Costs)(1-Tax rate)+(Tax Rate x Depreciation)

Aftertax salvage value = Market Value + (Book Value  – MarketValue)tax rate
When Book = 0    Aftertax salvage value = MV(1 – tc)
Taxes on salvage value = (BV – MV)Tax Rate


Net capital spending = NFA(end) – NFA(beg) + Depreciation
Net capital spending = Increase in NFA + Depreciation
Net capital spending = (NFAend – NFAbeg) + (Depreciation + ADbeg) – ADbeg
Net capital spending = (NFAend – NFAbeg)+ ADend – ADbeg
Net capital spending = (NFAend + ADend) – (NFAbeg + ADbeg) = FAend – FAbeg



Cash flow to creditors = Interest paid – Net new borrowing
CFC = Interest – Net new LTD
Net new LTD = LTDend – LTDbeg


Cash flow to stockholders = Dividends paid – Net new equity
CFS = Dividends – Net new equity

Cash flow from assets = Cash flow to creditors + Cash flow to stockholders
Cash flow from assets = OCF – Change in NWC – Net capital spending
CFA = CFC + CFS



CFA = OCF – Net capital spending – Change in NWC


Net new equity = Common stock(end) – Common stock(beg)
Net new equity = (OE – RE) end – (OE – RE) beg
Common stock + Retained earnings = Total owners’ equity


EBIT = Net income + Current taxes + Deferred taxes + Interest


ROE = (PM)(TAT)(EM)
ROE = (Profit Margin)(TAT)(Equity Multiplier)
Equity Multiplier
EM = 1 + Debt/Equity
ROE = ROA x EM
ROE = NI / TE   (Net income/ Total Equity)
PM = [(ROE)(TA)] / [(1 + D/E)(S)] (S = Sales)
PM = Net Income /  Sales

ROA = NI / A
ROA = (Profit Margin x Sales) / Assets

EFN = Total assets – Total liabilities and equity

Current sales = Next year’s sales / (1 + g)

Net income = Profit margin × Sales

Addition to retained earnings = Net income(1 – dividend payout ratio)

Sustainable growth rate:   (ROE x b) / (1 - ROE x b)
b = retention ratio

Long Term Debt Ratio  LTD = LTD/(LTD + TE)

Total Debt (TD) = LTD + Current Liabilities

{P32 - Start from here]
Plowback Ratio = Addition to retained earnings / Net Income

FCF = [EBIT (1 − Tax rate) + Depreciation] − [ΔGross fixed assets] + ΔNet operating working capital]
FCF = [NOPAT + Deprection] − Investment in operating capital

FCF = Operating cash flow − Investment in operating capital

Discounted Payback Period = Unrecovered Cost at Start of Year / Cash Flow During Year

FV = PV(1 + r)^t
PV = FV /(1+r)^t
r = ( (FV/PV)^1/t )-1

Perpetuity
PV = C/r

Growing Perpetuity
PV = C/(r - g)

Continuous Compounding
PV = PVe^rt (E is euler number, use EXP in Excel)

Present Value of an Annuity (PVIFArt)
PV = C[(1-(1/(1+r)^t)/r]

Present Value of a Growing Annuity
PV = c[(1/(r-g))-1/(r-g) x ((1+g)/(1+r)^t


EAR Discrete Compounding
EAR = [1 + (APR/m)]^m -1

EAR continuous compounding
EAR = (e^q)-1

APR = m[1+EAR)^1/m  - 1]

PVIF = 1/(1+R)^t
PVIF = Present Value Interest Factor
PVIFA = Present Value Interest Factor of an Annuity



Stock price - Dividends
Price = Dividend/(R - g)
Price = Dividend / R
g = ROE x b
g = Retention Ratio x Return on retained earnings
R = D1/P0 + g     (1 and 0 refer to time periods)


Dividend Per Share = (Net Income x Payout Ratio) / Shares outstanding

P/E = Price / Earnings

Payback = I / C

IRR: C/I
0 = -I +C/IRR
 IRR = 1/PB

Reject the offer when the discount rate is less than the IRR.
Accept the offer when the discount rate is greater than the IRR.

NPV in Excel - Remember to minus out the initial cash outlay.


EAC = Equivalent Annual Cost
EAC = Initial Investment / PVIFA


Accounting Break Even = aftertax sum of the fixed costs and depreciation charge divided
by the aftertax contribution margin (selling price minus variable cost).

Accounting Break Even
= [(Fixed Costs + Depreciation)(1-tax rate)] / [(Price - Variable Cost)(1-tax rate)]

Financial Break Even
= [EAC + Fixed Costs(1 - Taxrate) - Depreciation(tax rate)] / [(Price - Variable Costs)(1-tax rate)]


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