No inputs have been made, so scoring is currently unavailable. Develop client inputs to display ratio scores.

RATIO CATEGORIES

The Bizminer Industry Financial Report is based on selected financial ratios that are typically considered to be Key Performance Indicators (KPIs) which includes:

Cash Flow/Solvency: Cash Flow ratios indicate a company’s ability to meet various levels of demand on cash and easily obtainable cash resources against current and anticipated near-term payments due.

Profitability: Profitability ratios compare levels of return against various expense and balance sheet components to measure your performance against reasonable industry peer group standards, indicating bottom line performance.

Efficiency: Efficiency ratios measure your success in marshalling resources at hand to effectively manage various components of your business operations. These indicators often point most specifically toward actions that could enhance your bottom line.

Debt-Risk: Debt-Risk ratios assess the appropriateness of a firm’s level of debt against the ability to pay, as well as the risk of insolvency.

GET THE MOST OUT OF YOUR INDUSTRY FINANCIAL REPORT

The Bizminer Industry Financial Report presents detailed information to help you understand any firm’s position relative to the financial performance of similar firms in the industry. If you input your firm financials, comparison of dollar, percentage and financial ratio performance become an even more powerful benchmark of firm performance against industry standards. The results can help you understand your industry and become an important part of your toolkit that helps to guide management decisions. If you aren’t already, consider working with a qualified advisor to obtain personalized guidance.

To assist you, the report includes definitions of most line items and ratios; and (if you take advantage of the inputs tool) a simple scoring interface that compares your firm and the industry peer group you selected.


YOUR INDUSTRY PEER GROUP

When you accessed your Industry Financial Report, you selected a comparison peer group that most closely represents the character of your firm.

Firms Analyzed
2016 34
2017 33
2018 36
2019 39
2020 38

Your peers are determined through a series of criteria and can include your selections of:

  • Industry Segment (of 5000 classifications)
  • Market Area (US- State-Metro)
  • Sales Class (of 15 available)
  • Time Series (1-5 year display options)

YOUR INDUSTRY IN CONTEXT: THE NAICS CLASSIFICATION SYSTEM

The industry your selected fits within the official NAICS (North American Industry Classification System) and Bizminer’s proprietary taxonomy, which breaks out more detailed industries classifications than NAICS by adding up to eight decimal digits after the NAICS-6 code. The industry you selected fits into this industry hierarchy:

- NAICS 23: Construction
- NAICS 238: Specialty Trade Contractors
- NAICS 2382: Building Equipment Contractors
- NAICS 238220: Plumbing, Heating, and Air-Conditioning Contractors

RATIO CATEGORIES

The Bizminer Industry Financial Report is based on selected financial ratios that are typically considered to be Key Performance Indicators (KPIs) which includes:

Cash Flow/Solvency: Cash Flow ratios indicate a company’s ability to meet various levels of demand on cash and easily obtainable cash resources against current and anticipated near-term payments due.

Profitability: Profitability ratios compare levels of return against various expense and balance sheet components to measure your performance against reasonable industry peer group standards, indicating bottom line performance,

Efficiency: Efficiency ratios measure your success in marshalling resources at hand to effectively manage various components of your business operations. These indicators often point most specifically toward actions that could enhance your bottom line.

Debt-Risk: Debt-Risk ratios assess the appropriateness of a firm’s level of debt against the ability to pay, as well as the risk of insolvency.

If you submit corresponding inputs, ratios will be scored against industry values for the most recent three calendar years.


CUSTOMIZE YOUR REPORT

Customize any Bizminer Industry Financial Report with these options: Co-brand with your name and logo (and/or your client’s); input and benchmark firm financials; specify tables, ratios and years you want to display. Display options are On by default.

Inputs are not required; however, inputting the requested metrics will result in a more robust report. We do not use, access, sell or distribute any data you might input.

Configure Display

Check To Display Content Years
Check To Display Metrics
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Scored ratios shown below in blue. Check All Uncheck All
Developer-Client Display (optional)
Developer Name:
Developer Phone:
Developer Email:
Developer Logo: Developer logo image

(maximum dimensions of 800px x 800px): PNG, JEG, JEPG, GIF)

Client Name:
Client Logo: Client logo image

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Input Firm Benchmark Data

Data Input Upload:

  1. Download the BizMiner Industry Financial Input 5-year Template and save it offline as a CSV file.
  2. Populate the template offline.
  3. Select the Choose File or Browse button to find the populated CSV file on your device.
  4. Use the Upload Inputs button to complete the process.
  5. Generate the report. Your financials will be integrated; percentages, summary line items and ratios will auto-calculate.

Manual Inputs:

* Please do not use periods, dollar signs, or characters. Commas are automatically added.
Income Statement
2016
2017
2018
2019
2020
Business Revenue *(Required)
Cost of Sales - Labor Portion
Gross Margin *(Required)
Officers Comp.
Salary-Wages
Rent
Taxes Paid
Advertising
Benefits-Pensions
Repairs
Bad Debt
Sales, General, Admin & Misc.
Amortization Depreciation Depletion
Interest Income
Interest Expense
Other Income
Income Tax
Balance Sheet
2016
2017
2018
2019
2020
Assets
Cash
Receivables
Inventory
Other Current Assets
Gross Fixed Assets
Accum. Depreciation-Amortization-Depltn.
Net Fixed Assets
Other Non-Current Assets
Liabilities
Accounts Payable
Loans/Notes Payable
Other Current Liabilities
Total Long Term Liabilities
Other
2016
2017
2018
2019
2020
FTE Employees
Avg. Annual Wage
Editable Comments (/750)

Income & Expense-Profit & Loss ($)

Industry
  2016 2017 2018 2019 2020
Business Revenue 1,442,023 1,658,327 1,757,376 1,565,420 1,554,239
Cost of Sales 833,057 955,030 1,004,341 866,773 789,553
Cost of Sales - Labor Portion 325,832 369,832 372,902 307,984 295,207
Gross Margin 608,966 703,297 753,035 698,647 764,686
Officers Comp. 103,848 121,887 127,586 125,703 127,603
Salary-Wages 137,848 161,687 169,235 149,654 162,418
Rent 28,891 33,830 35,675 32,561 37,613
Taxes Paid 47,154 55,388 57,993 41,014 38,545
Advertising 13,171 15,422 16,168 12,993 14,454
Benefits-Pensions 38,267 44,775 46,922 43,049 37,302
Repairs 7,931 9,287 9,666 7,984 6,994
Bad Debt 991 1,161 1,230 1,409 1,243
Sales, General, Admin & Misc. 132,631 155,551 162,909 136,348 143,612
EBITDA 98,234 104,309 125,651 147,932 194,902
Amortization Depreciation Depletion 17,420 20,397 21,440 23,325 39,322
Operating Expenses 528,152 619,385 648,824 574,040 609,106
Operating Income 80,814 83,912 104,211 124,607 155,580
Interest Income 283 332 351 313 311
Interest Expense 5,382 6,302 6,678 7,357 6,683
Other Income 3,749 4,146 4,745 5,166 10,258
Pre-Tax Net Profit 79,464 82,088 102,629 122,729 159,466
Income Tax 15,314 16,160 21,552 25,773 45,441
After Tax Net Profit 64,150 65,928 81,077 96,956 114,025
Discretionary Owner Earnings 200,732 224,372 251,655 271,757 326,391
Editable Comments (/750)
Firm data must be input for the most recent report year to display the firm charts.
Industry Expenses: Sales 2020

Industry Owner Earnings: Sales 2020

Editable Comments (/750)
Inputs need to be filled out to display variances.
Editable Comments (/750)

Income & Expense-Profit & Loss (%)

Industry
  2016 2017 2018 2019 2020
Business Revenue 100% 100% 100% 100% 100%
Cost of Sales 57.77% 57.59% 57.15% 55.37% 50.80%
Cost of Sales - Labor Portion 22.60% 22.30% 21.22% 19.67% 18.99%
Gross Margin 42.23% 42.41% 42.85% 44.63% 49.20%
Officers Comp. 7.20% 7.35% 7.26% 8.03% 8.21%
Salary-Wages 9.56% 9.75% 9.63% 9.56% 10.45%
Rent 2.00% 2.04% 2.03% 2.08% 2.42%
Taxes Paid 3.27% 3.34% 3.30% 2.62% 2.48%
Advertising 0.91% 0.93% 0.92% 0.83% 0.93%
Benefits-Pensions 2.65% 2.70% 2.67% 2.75% 2.40%
Repairs 0.55% 0.56% 0.55% 0.51% 0.45%
Bad Debt 0.07% 0.07% 0.07% 0.09% 0.08%
Sales, General, Admin & Misc. 9.20% 9.38% 9.27% 8.71% 9.24%
EBITDA 6.82% 6.29% 7.15% 9.45% 12.54%
Amortization Depreciation Depletion 1.21% 1.23% 1.22% 1.49% 2.53%
Operating Expenses 36.62% 37.35% 36.92% 36.67% 39.19%
Operating Income 5.61% 5.06% 5.93% 7.96% 10.01%
Interest Income 0.02% 0.02% 0.02% 0.02% 0.02%
Interest Expense 0.37% 0.38% 0.38% 0.47% 0.43%
Other Income 0.26% 0.25% 0.27% 0.33% 0.66%
Pre-Tax Net Profit 5.51% 4.95% 5.84% 7.84% 10.26%
Income Tax 1.06% 0.97% 1.23% 1.65% 2.92%
After Tax Net Profit 4.46% 3.98% 4.61% 6.19% 7.34%
Discretionary Owner Earnings 13.92% 13.53% 14.32% 17.36% 21.00%
Editable Comments (/750)
Firm data must be input for the most recent report year to display the firm charts.
Industry Owner Earnings: Sales 2020

Editable Comments (/750)
Inputs need to be filled out to display variances.
Editable Comments (/750)

Balance Sheet ($)

Industry
  2016 2017 2018 2019 2020
Cash 80,144 109,018 116,151 106,175 85,603
Receivables 89,782 122,061 130,214 128,485 126,032
Inventory 21,005 28,554 30,432 30,732 27,158
Other Current Assets 10,598 14,409 15,355 14,903 14,274
Total Current Assets 201,529 274,042 292,152 280,295 253,067
Gross Fixed Assets 391,604 549,785 516,107 538,838 429,509
Accum. Depreciation-Amortization-Depltn. 317,421 445,637 410,562 436,764 348,111
Net Fixed Assets 74,183 104,148 105,523 102,094 81,417
Other Non-Current Assets 44,480 62,463 63,423 58,535 51,289
Total Assets 320,192 440,653 461,098 440,924 385,773
Accounts Payable 46,780 63,630 64,554 64,639 64,578
Loans/Notes Payable 17,867 23,707 26,144 22,311 21,179
Other Current Liabilities 36,982 51,292 53,487 54,498 53,661
Total Current Liabilities 101,629 138,629 144,185 141,448 139,418
Total Long Term Liabilities 60,837 83,680 78,940 78,749 73,683
Total Liabilities 162,466 222,309 223,125 220,197 213,101
Net Worth 157,726 218,344 237,973 220,727 172,672
Total Liabilities & Net Worth 320,192 440,653 461,098 440,924 385,773
Editable Comments (/750)
Firm data must be input for the most recent report year to display the firm charts.
Industry Assets 2020

Industry Liabilities 2020

Editable Comments (/750)
Inputs need to be filled out to display variances.
Editable Comments (/750)

Balance Sheet (%)

Industry
  2016 2017 2018 2019 2020
Cash 25.03% 24.74% 25.19% 24.08% 22.19%
Receivables 28.04% 27.70% 28.24% 29.14% 32.67%
Inventory 6.56% 6.48% 6.60% 6.97% 7.04%
Other Current Assets 3.31% 3.27% 3.33% 3.38% 3.70%
Total Current Assets 62.94% 62.19% 63.36% 63.57% 65.60%
Gross Fixed Assets 122.30% 124.77% 111.93% 122.21% 111.34%
Accum. Depreciation-Amortization-Depltn. 99.13% 101.13% 89.04% 99.06% 90.24%
Net Fixed Assets 23.17% 23.63% 22.89% 23.15% 21.10%
Other Non-Current Assets 13.89% 14.18% 13.75% 13.28% 13.30%
Total Assets 100.00% 100.00% 100.00% 100.00% 100.00%
Accounts Payable 14.61% 14.44% 14.00% 14.66% 16.74%
Loans/Notes Payable 5.58% 5.38% 5.67% 5.06% 5.49%
Other Current Liabilities 11.55% 11.64% 11.60% 12.36% 13.91%
Total Current Liabilities 31.74% 31.46% 31.27% 32.08% 36.14%
Total Long Term Liabilities 19.00% 18.99% 17.12% 17.86% 19.10%
Total Liabilities 50.74% 50.45% 48.39% 49.94% 55.24%
Net Worth 49.26% 49.55% 51.61% 50.06% 44.76%
Total Liabilities & Net Worth 100.00% 100.00% 100.00% 100.00% 100.00%
Editable Comments (/750)
Firm data must be input for the most recent report year to display the firm charts.
Industry Assets 2020

Industry Liabilities 2020

Editable Comments (/750)
Inputs need to be filled out to display variances.
Editable Comments (/750)

Financial Ratios: Cash Flow-Solvency

Industry

  2016 2017 2018 2019 2020
Accounts Payable: Business Revenue 3.24 3.84 3.67 4.13 4.15
Current Ratio 1.98 1.98 2.03 1.98 1.82
Quick Ratio 1.67 1.67 1.71 1.66 1.52
Days Payable 20.50 24.32 23.46 27.22 29.85
Current Liabilities: Inventory 4.84 4.85 4.74 4.60 5.13
Net Working Capital: Business Revenue 0.07 0.08 0.08 0.09 0.07
Cost of Sales: Accounts Payable 17.81 15.01 15.56 13.41 12.23
Cost of Sales: Inventory 39.66 33.45 33.00 28.20 29.07
Accounts Payable: Business Revenue

Editable Comments (/750)
Current Ratio

Editable Comments (/750)
Quick Ratio

Editable Comments (/750)
Days Payable

Editable Comments (/750)
Current Liabilities: Inventory

Editable Comments (/750)
Net Working Capital: Business Revenue

Editable Comments (/750)
Editable Comments (/750)
Inputs need to be filled out to display variances.
Editable Comments (/750)

Financial Ratios: Profitability

Industry

  2016 2017 2018 2019 2020
EBITDA: Business Revenue (%) 6.82 6.29 7.15 9.45 12.54
Pre-Tax Return On Assets (%) 24.82 18.63 22.26 27.83 41.34
Pre-Tax Return on Net Worth (%) 50.38 37.60 43.13 55.60 92.35
Pre-Tax Return on Business Revenue (%) 5.51 4.95 5.84 7.84 10.26
Discretionary Owner Earnings 13.92 13.53 14.32 17.36 21.00
After-Tax Return On Assets (%) 20.08 14.96 17.58 21.99 29.56
After-Tax Return On Net Worth (%) 40.76 30.19 34.07 43.93 66.04
After-Tax Return On Business Revenue (%) 4.46 3.98 4.61 6.19 7.34
Profit/Employee 10,336 9,469 11,675 16,396 21,881
Owner Earnings/Employee 26,110 25,883 28,629 36,306 44,786
EBITDA: Business Revenue (%)

Editable Comments (/750)
Pre-Tax Return On Assets (%)

Editable Comments (/750)
Pre-Tax Return on Net Worth (%)

Editable Comments (/750)
Pre-Tax Return on Business Revenue (%)

Editable Comments (/750)
Discretionary Owner Earnings

Editable Comments (/750)
Editable Comments (/750)
Inputs need to be filled out to display variances.
Editable Comments (/750)

Financial Ratios: Efficiency

Industry

  2016 2017 2018 2019 2020
Assets: Business Revenue 0.22 0.27 0.26 0.28 0.25
Days Inventory 9.20 10.91 11.06 12.94 12.55
Days Receivables 22.73 26.87 27.04 29.96 29.60
Current Asset Turnover 7.16 6.05 6.02 5.58 6.14
Fixed Asset Turnover (Business Revenue/Fixed Assets) 19.44 15.92 16.65 15.33 19.09
Gross Margin: Business Revenue 42.23 42.41 42.85 44.63 49.20
Sales Per Employee 187,568 191,301 199,922 209,133 213,264
Inventory Turnover 68.65 58.08 57.75 50.94 57.23
Receivables Turnover 16.06 13.59 13.50 12.18 12.33
Total Asset Turnover 4.50 3.76 3.81 3.55 4.03
Working Capital Turnover 14.43 12.25 11.88 11.27 13.68
Days Working Capital 25.29 29.80 30.73 32.37 26.69
Cash Turnover 17.99 15.21 15.13 14.74 18.16
Efficiency Index 4.00 4.10 3.21 4.28 4.22
Assets: Business Revenue

Editable Comments (/750)
Days Inventory

Editable Comments (/750)
Days Receivables

Editable Comments (/750)
Current Asset Turnover

Editable Comments (/750)
Fixed Asset Turnover (Business Revenue/Fixed Assets)

Editable Comments (/750)
Gross Margin: Business Revenue

Editable Comments (/750)
Sales Per Employee ($000)

Editable Comments (/750)
Editable Comments (/750)
Inputs need to be filled out to display variances.
Editable Comments (/750)

Financial Ratios: Debt-Risk

Industry

  2016 2017 2018 2019 2020
Interest Coverage 18.25 16.55 18.82 20.11 29.16
Current Liabilities: Net Worth 0.64 0.63 0.61 0.64 0.81
Long-Term Liabilities: Net Worth 0.39 0.38 0.33 0.36 0.43
Loans-Notes Payable/Net Worth 0.11 0.11 0.11 0.10 0.12
Modified Z-Score 6.79 5.97 6.50 7.01 8.23
Total Liabilities: Net Worth 1.03 1.02 0.94 1.00 1.23
Fixed Assets: Net Worth 0.47 0.48 0.44 0.46 0.47
Interest Coverage

Editable Comments (/750)
Current Liabilities: Net Worth

Editable Comments (/750)
Long-Term Liabilities: Net Worth

Editable Comments (/750)
Loans-Notes Payable/Net Worth

Editable Comments (/750)
Modified Z-Score

Editable Comments (/750)
Total Liabilities: Net Worth

Editable Comments (/750)
Editable Comments (/750)
Inputs need to be filled out to display variances.
Editable Comments (/750)

Sources & Uses of Funds

Change In: 16-17 17-18 18-19 19-
Cash & cash equivalents 28,874 7,133 -9,976 -20,572
Worksheet:
Accounts Receivable -32,279 -8,153 1,729 2,453
Inventory -7,549 -1,878 -300 3,574
Other Curr Assets -3,811 -946 452 629
Net Fixed Assets -29,965 -1,375 3,429 20,677
Other Non-Curr Assets -17,983 -960 4,888 7,246
Accounts Payable 16,850 924 85 -61
Loans/Notes Payable 5,840 2,437 -3,833 -1,132
Other current Liabilities 14,310 2,195 1,011 -837
Long-term debt 22,843 -4,740 -191 -5,066
Net Worth 60,618 19,629 -17,246 -48,055
Total Sources & Uses 28,874 7,133 -9,976 -20,572
Cash: Beginning Period 80,144 109,018 116,151 106,175
Cash: End Period 109,018 116,151 106,175 85,603
Change in Cash & Cash Equivalents 28,874 7,133 -9,976 -20,572

Sources and Uses: The Sources and Uses of Funds table tests the accuracy of the balance sheet and distinguishes the sources of funds from their use. It is the basic worksheet preliminary to a formal cash flow statement examining the liquidity of a business. A multi-year industry benchmark common size balance sheet, which includes overlapped but not identical sets of firms in each year, is not well-suited for the presentation of a formal cash flow analysis.

About the Data

BizMiner data is widely accepted for industry analytical work, benchmarking, valuations, forensics and litigation. BizMiner content is accepted in US Tax Court (Bauer vs. IRS: T.C. Memo. 2012-156) and is utilized by state, provincial and national taxing agencies in the US and Canada.

Raw data analyzed for BizMiner reports is sourced from an array of the nation's government and private statistical sources. None of these raw data sources creates the final measures reflected in BizMiner industry profiles. In total, BizMiner accesses over a billion sourced data points from 15 million business operations for each of its twice annual updates covering a 3-5 year time series. Historical data and BizMiner algorithms are used to inform and test projections for non-reporting firms. Data elements are sourced specifically from:

  • IRS SOI Corporation Tax Book
  • IRS Statistics of Income
  • US Economic Census
  • US Census Quarterly Financial Reports
  • US Census County Business Patterns
  • Bureau of Labor Statistics Monthly Employment Reports
  • Bureau of Labor Statistics Monthly Unemployment Reports
  • Bureau of Labor Statistics Annual Wage Survey
  • Bureau of Labor Statistics Industry Productivity Reports
  • Bureau of Labor Statistics Price Indices
  • National Agricultural Statistical Service
  • US Census Quarterly Financial Reports
  • US Census Retail Trade Report
  • InfoGroup, Inc.
  • Credit Reporting Agencies
  • Business Directories
  • American Community Survey

While 100% firm coverage is desirable for analysis purposes, the greatest value of BizMiner reports rests in discerning patterns of activity, which are reflected in the large samples used to develop our reports. The overall current coverage of the databases surpasses 13 million active business operations at any point in time.

As is the case with any databases this large, some errors are inevitable. Some firms are missed and specific information on others is lacking from the database. Not all information received is uniform or complete, resulting in the need to develop projection algorithms for specific industry segments and metrics in some report series. No representation is made as to the accuracy of the databases utilized or the results of subsequent analyses. Neither the Brandow Company nor its resellers has undertaken independent primary research to confirm the accuracy of the data utilized in the Profile analyses. Neither the Brandow Company nor its resellers are responsible for conclusions drawn or decisions made based upon this data or analysis. In no event will the Brandow Company or its resellers be liable for any damages, direct, indirect, incidental or consequential resulting from the use of the information contained in BizMiner reports.

Our Approach to Scoring

Industry Financial reports offer two types of scoring. The Variance shown for each ratio measures the percentage difference between client ratios and the industry average for the selected industry, sales class and market. The Variance results in a Score of 1-5 (5 being best) for each year of each selected ratio. The application of the Variances to the Score depends on the specific ratio involved; in some cases (which we call Standard Scoring) higher is better; in some, lower (Reverse Scoring) is better; in a few, closest to the industry average (Balanced Scoring) is best. You can find the detailed approach for each Industry Financial ratio below.

For each ratio, the score for all selected years is averaged to determine the overall Ratio Score. The Ratio Scores for each of the four ratio categories (Cash flow/Solvency; Profitability; Efficiency; Debt-Risk) reflect the average Ratio Scores in each category. (P1 also provides Category Scores for each year as well as the average of all selected years.) The Overall Total Score on P1 of the Industry Financial report reflects the average of the Category Scores.



Scoring for ratios is calculated in one of three ways:

  • Standard (higher is generally better)
  • Reverse (lower is generally better)
  • Balanced (middle is generally good, too high or too low is not)

All three types are based on a scale of 1-5, with 5 being "best" and 1 being "worst". All percentages are shown as a deviation from the industry average.

Standard (basically higher is better)

  • +/-10% from average= 3
  • +11% to +20% above average= 4
  • >20% above average= 5
  • +11% to +20% below average= 2
  • >20% below average= 1

Reverse (lower is better)

  • +/-10% from average= 3
  • +11% to +20% above average= 2
  • >20% above average= 1
  • +11% to +20% below average= 4
  • >20% below average= 5

Balanced (middle is good, too high or too low is not)

  • +/-10% from average= 5
  • 11% to 15% above or below average= 4
  • +16% to +25% above or below average= 3
  • 25%-30% above or below average= 2
  • 30% above or below average= 1

The corresponding applications for each ratio are highlighted below. Individual ratio scores are averaged for all selected years.

CASH FLOW/SOLVENCY Summary: Average selected ratios for this category

  • Current Ratio: STANDARD SCORING
  • Quick Ratio: STANDARD SCORING
  • Net Working Capital: STANDARD SCORING
  • Accounts Payable: Business Revenue: BALANCED SCORING
  • Days Payable: BALANCED SCORING

PROFITABILITY Summary: Average selected ratios for this category

  • Return on Business Revenue: STANDARD SCORING
  • EBITDA: Business Revenue: STANDARD SCORING
  • Discretionary Owner Earnings: STANDARD SCORING
  • Return on Assets: STANDARD SCORING
  • Return on Net Worth: STANDARD SCORING

EFFICIENCY Summary: Average selected ratios for this category

  • Assets: Business Revenue: BALANCED SCORING
  • Days Inventory: BALANCED SCORING
  • Days Receivables: REVERSE SCORING
  • Current Asset Turnover: STANDARD SCORING
  • Fixed Asset Turnover: STANDARD SCORING
  • Gross Margin: Business Revenue: STANDARD SCORING
  • Sales Per Employee: STANDARD SCORING

DEBT-RISK Summary: Average selected ratios for this category

  • Interest Coverage: STANDARD SCORING
  • Current Liabilities: Net Worth: REVERSE SCORING
  • Long-Term Liabilities: Net Worth: REVERSE SCORING
  • Total Liabilities: Net Worth: REVERSE SCORING
  • Loans-Notes Payable: Net Worth: REVERSE SCORING
  • Current Liabilities: Inventory: BALANCED SCORING
  • Modified Z-Score:: STANDARD SCORING

About the Vestimate

Bizminer’s Vestimate™ enterprise value is our estimated market value for an individual business operation. Vestimates ™ are calculated for more than 12 million US business establishments and updated monthly. The Vestimate™ is a starting point in determining a business value but is not an appraisal or valuation.

Vestimates™ are based on data and projections applied to our proprietary calculations. Bizminer develops sales data for millions of US business operations using sales per employee, industry pricing and productivity data along with enterprise-level employment reports. Our content has been accepted in US Tax Court and utilized by thousands of accounting, valuation and banking professionals as well as dozens of university business libraries.

We marry that content to more than 28,000 business transactions to create median and quartile estimates of worth derived from Business Valuation Resources Pratt’s Stats database. In almost every case, at least two different types of multiples are averaged to create median, quartile 1 and quartile 3 value estimates in four different sales class groups. The median values are available in our Free Vestimate™ tool, while more robust, customizable business value content and searches and values are available in Vestimate™Plus.

Importantly, the Vestimate™ only reflects Bizminer’s estimate of the current worth of a business operation given the data available to us. For example, we do not know the Owner Earnings of every business enterprise, and use the industry sales class average in our calculations instead; the actual value of firms with significantly lower or higher Owner Earnings will likewise vary from calculations of sales multiples that rely upon those metrics.

You should not use a Vestimate™ in place of a valuation, though you can share it with business brokers or valuation professionals. Bizminer does not offer the Vestimate™ as the basis of any specific business-related or other financial transaction. You will not be able to use a Vestimate™ to secure a business or personal loan. Our data sources may be incomplete or incorrect; nor have we physically researched or inspected many important details necessary to the valuation of a specific enterprise. The Vestimate™ does not consider the market environment details nor the idiosyncrasies of a firm’s performance that can influence the actual value or selling price.

We encourage business buyers, sellers, owners and browsers to enhance their understanding of the value of any enterprise before making decisions or taking action. The Vestimate™ is a modeled informational tool, not a guide to action. For that we recommend obtaining an appraisal from a business broker, a valuation from a certified valuation professional, or both.