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Financial Analysis

Also referred to as Financial Statement Analysis, or Accounting Analysis or Analysis of Finance refers to an assessment of the viability, stability and profitability of a business, sub - business or project and is performed by professionals by using tools what is called “Business Ratios”.  "Financial statement analysis" is crucial for complying with business laws and regulations, while also meeting the needs of stakeholders and various other parties. But in order to conduct accurate financial statement analysis, developing skills and intuition is as important as following best accounting practices.



                                                    Business Ratios

One very useful way of interpreting financial reports is to compute ratios - that is, to divide a particular number in the financial report by another. Financial report ratios are also useful because they enable you to compare a business's current performance with its past performance or with another business's performance. Determining individual  financial ratios per period and tracking the change in their values over time is done to spot trends that may be developing in a Company. For Example, an increasing debt-to-asset ratio may indicate that a Company is overburdened with debt and may eventually be facing default risk.

Ratio analysis consists of calculating financial performance using 5 basic types of ratios:

  • Liquidity.

  • Efficiency.

  • Activity.

  • Profitability.

  • Solvency.




Financial Planning

Financial planning is the process of establishing a budget based on information about income and expenses. This will also include (very important) a tracking process and documenting results. In general usage, a financial plan is a comprehensive evaluation of an individual or business current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans.



Budgeting for a business is a process. A business can't open its doors each day without having some idea of what to expect. And it can't close its doors at the end of the day not knowing what happened. A business should plan and be prepared for its future, and should control its actual performance to reach its financial goals. The only question is how. Budgeting is one answer. A business budget is an integrated plan of action - not simply a few trend lines on a financial chart.

The four phases of a budget cycle for small businesses are :

  1. Preparation.

  2. Approval.

  3. Execution.

  4. Evaluation

A budget makes sure that all the money is being spent in the right direction and financial goals are attained.


Financial Reporting

Financial reporting is the process of producing statements that disclose an organization's financial status to management, investors and other interested parties.

The primary objective of financial reporting is to provide useful information for decision making. Communicating the company's strengths and weaknesses in an accurate and honest manner is helpful in convincing the investors to invest in your business.

Outside investors in a business - the owners who are not on the inside managing the business - depend on the financial reports from the business as their main source of information about the business. Investors should know how to read and interpret the financial Statements. Their main concerns are the business's profit and cash flow performance and its financial health.




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Financial Projections

Financial projections  is vital in the set-up/starting of a new business operation. This will help you in convincing prospective investors that you have a profitable business and that they will get a good return on their investment.

Creating financial projections is an important part of your startup's business plan. If you're seeking funding, financial projections will help convince prospective lenders and investors that your business will be profitable by offering them a good return on their investment.

In the simplest form, a financial projection is a forecast of future revenues and expenses. Typically the projection will account for internal or historical data and will include a prediction of external factors. In general, you will need to develop both short- and mid-term financial projections.

Sales Forecasting

The best place to start your sales forecast is to think about where and how your customers are going to hear about you. Are you going to buy advertising? Are you going to publish a blog? Are people going to walk or drive by your storefront? Make a list of the ways that you think people might get exposed to your product or your company - these will be your primary "sales channels". After listing your sales channels your next step is to make an educated guess at how many people you can reach in each channel - these are your prospects.