Financial Statement Analysis

Financial statement analysis and comprehensive reports on the analysis are vital parts of the FISCAL package.

Financial statements are prepared by the business owners or their accountants according to established principles. These statements not only establish the bottom line but also can reveal much about the financial vitality and direction of the business. If properly analyzed, they can pinpoint strengths and weaknesses that might not be apparent at a cursory overview.

“FISCAL helps us complete condensed, concise spreadsheets that are easy to read. The different analysis options are very helpful especially in industries we are not familiar with." ~Credit Analyst, Summit Community Bank, East Lansing, MI

Spread Business and Personal Financials

  • Multiple spread formats, customizable data input
  • Templates based on IRS Forms 1065, 1120, 1120-A, 990, Farming Schedule F, 8825 Rental Real Estate, and others
  • Currency conversion and labels

Cash Flow Analysis

  • UCA, Direct and Indirect Cash Flow
  • Global Cash Flow (combine multiple businesses, combine business and personal)
  • Personal Cash Flow, Personal Global Cash Flow

Comparison to Industry Benchmarks

  • Businesses of same type and size
  • Latest RMA and IRS data (more info)
  • Create custom benchmarks from your portfolio

Cost/Volume/Profit Analysis

  • Breakeven analysis – level of sales where profit is zero (no profit, no loss)

Financial Statement Ratio Analysis

  • Liquidity – Current, Quick, Sales/Receivables, CoG/Inventory, CoG/Payables, Sales/Working Capital, and more
  • Coverage – EBIT/Interest, EBITDA/Interest, EBDA/CMLTD, EBIDA/CMLTD+I
  • Leverage – Fixed/Tangible NW, Debt/Tangible NW
  • Operations – %Profit bef Taxes/Net Worth, %Profit bef Taxes/Total Assets, Sales/Net Fixed Assets, Sales/Total Assets, and more
  • Bankruptcy Prediction (Altman Z-Score)
  • Degree of Operating Leverage

Trends Analysis

  • Signs of increasing sales, net worth, profit, improving ratios
  • Warning signs of decreasing sales, worsening ratios
  • Narrative report

Projections

  • 5-year projections
  • Based on past trends
  • Include proposed debt
  • Assumptions may be modified

Reports and Graphs

  • Loan Presentation (Credit Memo)
  • Summary Reports, Detailed Reports
  • Customizable Report Sets