Editable Comments (/750)

SUMMARY PERFORMANCE SCORES

Based on your inputs, the Industry Financial Report calculates the percentage difference (variance) between client ratios and the industry average for the selected industry peer group. Your firm performance on each ratio is scored on a 1-5 scale (5 being best) for each year displayed in the report. The scoring approach depends on the specific scored ratio. You can find a detailed explanation for each at the end of this report.

The value of peer comparisons with your business depends on the accuracy and completeness of the firm financial information that is being entered. The more detail that you provide, the more comprehensive and meaningful the benchmark.

For each ratio, the score for those years selected from the most recent three calendar years is averaged and integrated into a Ratio Category Score. The Score for each of the four categories (Cash Flow/Solvency; Profitability; Efficiency; Debt-Risk) are then averaged to produce an Overall Score.

Summary Scores (2015-2016-2017) (Scale 1-5)

OVERALL TOTAL SCORE:
3.37
RATIO CATEGORY SCORES
CASH FLOW/ SOLVENCY:
3.47
PROFITABILITY:
4.00
EFFICIENCY:
3.71
DEBT-RISK:
2.29

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.


WORTH YOUR FOCUS:

Ratio Category scores are simply a reflection of the more focused individual ratios that they include. Any ratios that score below 3.0 should be examined closely for weaknesses in management or performance that could be improved with reasonable effort and expense. While you should work with a qualified advisor to obtain specific guidance, we’ve flagged these areas for attention:

Red flag image Current Liabilities: Net Worth 1.00
Red flag image Long-Term Liabilities: Net Worth 1.00
Red flag image Total Liabilities: Net Worth 1.00

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
2013 41
2014 43
2015 37
2016 34
2017 33

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
Check Ratios For Display
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

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

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
2013
2014
2015
2016
2017
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
2013
2014
2015
2016
2017
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
FTE Employment
Editable Comments (/750)

Income & Expense-Profit & Loss ($)

Industry
  2013 2014 2015 2016 2017
Business Revenue 1,700,061 1,475,287 1,696,498 1,688,109 1,697,795
Cost of Sales 947,444 838,406 973,111 969,650 987,607
Cost of Sales - Labor Portion 603,716 516,219 571,096 590,784 584,161
Gross Margin 752,617 636,881 723,387 718,459 710,188
Officers Comp. 121,044 99,877 121,809 122,283 123,430
Salary-Wages 182,587 149,152 161,676 162,318 163,837
Rent 37,741 29,211 33,930 34,086 34,295
Taxes Paid 50,152 43,226 54,967 55,201 56,706
Advertising 25,841 20,359 15,438 15,539 15,620
Benefits-Pensions 42,162 29,358 44,957 45,060 45,331
Repairs 12,750 5,311 9,331 9,357 9,338
Bad Debt 5,270 1,770 1,188 1,170 1,188
Sales, General, Admin & Misc. 141,105 128,793 157,944 155,717 158,404
EBITDA 133,965 129,824 122,147 117,728 102,039
Amortization Depreciation Depletion 27,201 16,376 20,528 20,552 20,543
Operating Expenses 645,853 523,433 621,768 621,283 628,692
Operating Income 106,764 113,448 101,619 97,176 81,496
Interest Income 340 295 339 334 340
Interest Expense 6,800 5,459 6,277 6,349 6,452
Other Income 8,670 3,393 4,241 4,389 4,244
Pre-Tax Net Profit 108,974 111,677 99,922 95,550 79,628
Income Tax 25,750 26,804 22,223 22,729 15,324
After Tax Net Profit 83,224 84,873 77,699 72,821 64,304
Discretionary Owner Earnings 231,469 201,126 220,036 215,656 208,277

Income & Expense-Profit & Loss ($)

Your Firm
  2013 2014 2015 2016 2017
Business Revenue 1,612,441 1,599,085 1,718,455 1,736,918 1,749,451
Cost of Sales 928,251 1,007,518 1,013,071 1,016,144 1,007,072
Cost of Sales - Labor Portion 569,529 492,732 534,937 572,026 580,916
Gross Margin 684,190 591,567 705,384 720,774 742,379
Officers Comp. 98,334 80,661 106,289 110,225 116,091
Salary-Wages 158,955 130,815 147,964 153,195 160,814
Rent 34,635 27,157 33,167 34,324 35,928
Taxes Paid 48,163 42,448 54,620 56,438 59,117
Advertising 22,990 18,289 13,824 14,367 15,130
Benefits-Pensions 39,258 27,463 44,597 46,010 48,075
Repairs 10,147 2,998 7,493 7,714 8,137
Bad Debt 7,471 4,169 3,565 3,593 3,622
Sales, General, Admin & Misc. 138,237 129,912 162,061 164,133 171,385
EBITDA 126,000 127,655 131,804 130,775 124,080
Amortization Depreciation Depletion 24,189 14,160 19,099 19,760 20,652
Operating Expenses 582,379 478,072 592,679 609,759 638,951
Operating Income 101,811 113,495 112,705 111,015 103,428
Interest Income 565 529 575 583 591
Interest Expense 6,902 5,728 6,729 7,055 7,401
Other Income 8,956 3,740 4,619 4,898 4,824
Pre-Tax Net Profit 104,430 112,036 111,170 109,441 101,442
Income Tax 22,609 25,575 25,306 24,563 21,575
After Tax Net Profit 81,821 86,461 85,864 84,878 79,867
Discretionary Owner Earnings 204,344 181,282 211,252 214,863 216,610
Editable Comments (/750)
Industry Expenses: Sales 2017

Firm Expenses: Sales 2017

Industry Earnings: Sales 2017

Firm Earnings: Sales 2017

Editable Comments (/750)

Variance from Industry

  2013 2014 2015 2016 2017
Business Revenue -5.15% 8.39% 1.29% 2.89% 3.04%
Cost of Sales -2.03% 20.17% 4.11% 4.79% 1.97%
Cost of Sales - Labor Portion -5.66% -4.55% -6.33% -3.18% -0.56%
Gross Margin -9.09% -7.11% -2.49% 0.32% 4.53%
Officers Comp. -18.76% -19.24% -12.74% -9.86% -5.95%
Salary-Wages -12.94% -12.29% -8.48% -5.62% -1.85%
Rent -8.23% -7.03% -2.25% 0.70% 4.76%
Taxes Paid -3.97% -1.80% -0.63% 2.24% 4.25%
Advertising -11.03% -10.17% -10.45% -7.54% -3.14%
Benefits-Pensions -6.89% -6.45% -0.80% 2.11% 6.05%
Repairs -20.42% -43.55% -19.70% -17.56% -12.86%
Bad Debt 41.76% 135.54% 200.08% 207.09% 204.88%
Sales, General, Admin & Misc. -2.03% 0.87% 2.61% 5.40% 8.19%
EBITDA -5.95% -1.67% 7.91% 11.08% 21.60%
Amortization Depreciation Depletion -11.07% -13.53% -6.96% -3.85% 0.53%
Operating Expenses -9.83% -8.67% -4.68% -1.85% 1.63%
Operating Income -4.64% 0.04% 10.91% 14.24% 26.91%
Interest Income 66.18% 79.32% 69.62% 74.55% 73.82%
Interest Expense 1.50% 4.93% 7.20% 11.12% 14.71%
Other Income 3.30% 10.23% 8.91% 11.60% 13.67%
Pre-Tax Net Profit -4.17% 0.32% 11.26% 14.54% 27.39%
Income Tax -12.20% -4.59% 13.87% 8.07% 40.79%
After Tax Net Profit -1.69% 1.87% 10.51% 16.56% 24.20%
Discretionary Owner Earnings -11.72% -9.87% -3.99% -0.37% 4.00%
Editable Comments (/750)

Income & Expense-Profit & Loss (%)

Industry
  2013 2014 2015 2016 2017
Business Revenue 100% 100% 100% 100% 100%
Cost of Sales 55.73% 56.83% 57.36% 57.44% 58.17%
Cost of Sales - Labor Portion 35.51% 34.99% 33.66% 35.00% 34.41%
Gross Margin 44.27% 43.17% 42.64% 42.56% 41.83%
Officers Comp. 7.12% 6.77% 7.18% 7.24% 7.27%
Salary-Wages 10.74% 10.11% 9.53% 9.62% 9.65%
Rent 2.22% 1.98% 2.00% 2.02% 2.02%
Taxes Paid 2.95% 2.93% 3.24% 3.27% 3.34%
Advertising 1.52% 1.38% 0.91% 0.92% 0.92%
Benefits-Pensions 2.48% 1.99% 2.65% 2.67% 2.67%
Repairs 0.75% 0.36% 0.55% 0.55% 0.55%
Bad Debt 0.31% 0.12% 0.07% 0.07% 0.07%
Sales, General, Admin & Misc. 8.30% 8.73% 9.31% 9.22% 9.33%
EBITDA 7.88% 8.80% 7.20% 6.98% 6.01%
Amortization Depreciation Depletion 1.60% 1.11% 1.21% 1.22% 1.21%
Operating Expenses 37.99% 35.48% 36.65% 36.80% 37.03%
Operating Income 6.28% 7.69% 5.99% 5.76% 4.80%
Interest Income 0.02% 0.02% 0.02% 0.02% 0.02%
Interest Expense 0.40% 0.37% 0.37% 0.38% 0.38%
Other Income 0.51% 0.23% 0.25% 0.26% 0.25%
Pre-Tax Net Profit 6.41% 7.57% 5.89% 5.66% 4.69%
Income Tax 1.51% 1.82% 1.31% 1.35% 0.90%
After Tax Net Profit 4.90% 5.75% 4.58% 4.31% 3.79%
Discretionary Owner Earnings 13.62% 13.63% 12.97% 12.78% 12.27%

Income & Expense-Profit & Loss (%)

Your Firm
  2013 2014 2015 2016 2017
Business Revenue 100% 100% 100% 100% 100%
Cost of Sales 57.57% 63.01% 58.95% 58.50% 57.57%
Cost of Sales - Labor Portion 35.32% 30.81% 31.13% 32.93% 33.21%
Gross Margin 42.43% 36.99% 41.05% 41.50% 42.43%
Officers Comp. 6.10% 5.04% 6.19% 6.35% 6.64%
Salary-Wages 9.86% 8.18% 8.61% 8.82% 9.19%
Rent 2.15% 1.70% 1.93% 1.98% 2.05%
Taxes Paid 2.99% 2.65% 3.18% 3.25% 3.38%
Advertising 1.43% 1.14% 0.80% 0.83% 0.86%
Benefits-Pensions 2.43% 1.72% 2.60% 2.65% 2.75%
Repairs 0.63% 0.19% 0.44% 0.44% 0.47%
Bad Debt 0.46% 0.26% 0.21% 0.21% 0.21%
Sales, General, Admin & Misc. 8.57% 8.12% 9.43% 9.45% 9.80%
EBITDA 7.81% 7.98% 7.67% 7.53% 7.09%
Amortization Depreciation Depletion 1.50% 0.89% 1.11% 1.14% 1.18%
Operating Expenses 36.12% 29.90% 34.49% 35.11% 36.52%
Operating Income 6.31% 7.10% 6.56% 6.39% 5.91%
Interest Income 0.04% 0.03% 0.03% 0.03% 0.03%
Interest Expense 0.43% 0.36% 0.39% 0.41% 0.42%
Other Income 0.56% 0.23% 0.27% 0.28% 0.28%
Pre-Tax Net Profit 6.48% 7.01% 6.47% 6.30% 5.80%
Income Tax 1.40% 1.60% 1.47% 1.41% 1.23%
After Tax Net Profit 5.07% 5.41% 5.00% 4.89% 4.57%
Discretionary Owner Earnings 12.67% 11.34% 12.29% 12.37% 12.38%
Editable Comments (/750)
Industry Expenses: Sales 2017

Firm Expenses: Sales 2017

Industry Earnings: Sales 2017

Firm Earnings: Sales 2017

Editable Comments (/750)

Variance from Industry

  2013 2014 2015 2016 2017
Business Revenue 0.00% 0.00% 0.00% 0.00% 0.00%
Cost of Sales 3.30% 10.87% 2.77% 1.85% -1.03%
Cost of Sales - Labor Portion -0.54% -11.95% -7.52% -5.91% -3.49%
Gross Margin -4.16% -14.32% -3.73% -2.49% 1.43%
Officers Comp. -14.33% -25.55% -13.79% -12.29% -8.67%
Salary-Wages -8.19% -19.09% -9.65% -8.32% -4.77%
Rent -3.15% -14.14% -3.50% -1.98% 1.49%
Taxes Paid 1.36% -9.56% -1.85% -0.61% 1.20%
Advertising -5.92% -17.39% -12.09% -9.78% -6.52%
Benefits-Pensions -2.02% -13.57% -1.89% -0.75% 3.00%
Repairs -16.00% -47.22% -20.00% -20.00% -14.55%
Bad Debt 48.39% 116.67% 200.00% 200.00% 200.00%
Sales, General, Admin & Misc. 3.25% -6.99% 1.29% 2.49% 5.04%
EBITDA -0.89% -9.32% 6.53% 7.88% 17.97%
Amortization Depreciation Depletion -6.25% -19.82% -8.26% -6.56% -2.48%
Operating Expenses -4.92% -15.73% -5.89% -4.59% -1.38%
Operating Income 0.48% -7.67% 9.52% 10.94% 23.13%
Interest Income 100.00% 50.00% 50.00% 50.00% 50.00%
Interest Expense 7.50% -2.70% 5.41% 7.89% 10.53%
Other Income 9.80% 0.00% 8.00% 7.69% 12.00%
Pre-Tax Net Profit 1.09% -7.40% 9.85% 11.31% 23.67%
Income Tax -7.28% -12.09% 12.21% 4.44% 36.67%
After Tax Net Profit 3.47% -5.91% 9.17% 13.46% 20.58%
Discretionary Owner Earnings -6.98% -16.80% -5.24% -3.21% 0.90%
Editable Comments (/750)

Balance Sheet ($)

Industry
  2013 2014 2015 2016 2017
Cash 90,771 93,011 102,911 106,911 113,877
Receivables 105,720 105,608 116,585 121,128 124,905
Inventory 21,812 22,222 27,266 28,349 29,210
Other Current Assets 9,385 9,030 13,674 14,218 14,901
Total Current Assets 227,688 229,871 260,436 270,606 282,893
Gross Fixed Assets 495,404 499,055 470,862 482,093 529,336
Accum. Depreciation-Amortization-Depltn. 406,966 409,687 374,219 383,145 420,547
Net Fixed Assets 88,438 89,368 96,643 98,948 108,788
Other Non-Current Assets 54,821 52,359 58,555 59,980 64,010
Total Assets 370,947 371,598 415,634 429,534 455,691
Accounts Payable 56,050 56,557 61,597 63,098 65,164
Loans/Notes Payable 19,178 19,583 23,650 24,097 24,288
Other Current Liabilities 44,180 41,507 49,086 49,869 52,496
Total Current Liabilities 119,408 117,647 134,333 137,064 141,948
Total Long Term Liabilities 74,672 76,289 79,386 82,084 85,670
Total Liabilities 194,080 193,936 213,719 219,148 227,618
Net Worth 176,867 177,662 201,915 210,386 228,073
Total Liabilities & Net Worth 370,947 371,598 415,634 429,534 455,691

Balance Sheet ($)

Your Firm
  2013 2014 2015 2016 2017
Cash 85,349 89,801 94,771 87,043 107,535
Receivables 96,277 99,257 110,587 101,697 125,244
Inventory 23,224 24,285 29,507 27,448 32,955
Other Current Assets 11,646 10,787 15,316 14,291 17,032
Total Current Assets 216,496 224,130 250,181 230,479 282,766
Gross Fixed Assets 502,101 518,455 470,095 428,411 537,382
Accum. Depreciation-Amortization-Depltn. 408,946 422,327 371,506 338,377 424,833
Net Fixed Assets 82,904 85,877 88,338 79,783 102,298
Other Non-Current Assets 44,198 43,856 50,424 45,145 58,972
Total Assets 343,598 353,863 388,943 355,407 444,036
Accounts Payable 55,898 58,045 63,165 57,646 69,943
Loans/Notes Payable 18,682 19,672 23,840 21,604 25,646
Other Current Liabilities 43,900 42,429 50,213 45,435 56,239
Total Current Liabilities 118,480 120,146 137,218 124,685 151,828
Total Long Term Liabilities 76,001 79,830 82,892 76,479 93,491
Total Liabilities 194,481 199,976 220,110 201,164 245,319
Net Worth 149,117 153,887 168,833 154,243 198,717
Total Liabilities & Net Worth 343,598 353,863 388,943 355,407 444,036
Editable Comments (/750)
Industry Assets 2017

Firm Assets 2017

Industry Liabilities 2017

Firm Liabilities 2017

Editable Comments (/750)

Variance from Industry

  2013 2014 2015 2016 2017
Cash -5.97% -3.45% -7.91% -18.58% -5.57%
Receivables -8.93% -6.01% -5.14% -16.04% 0.27%
Inventory 6.47% 9.28% 8.22% -3.18% 12.82%
Other Current Assets 24.09% 19.46% 12.01% 0.51% 14.30%
Total Current Assets -4.92% -2.50% -3.94% -14.83% -0.04%
Gross Fixed Assets 1.35% 3.89% -0.16% -11.14% 1.52%
Accum. Depreciation-Amortization-Depltn. 0.49% 3.09% -0.72% -11.68% 1.02%
Net Fixed Assets -6.26% -3.91% -8.59% -19.37% -5.97%
Other Non-Current Assets -19.38% -16.24% -13.89% -24.73% -7.87%
Total Assets -7.37% -4.77% -6.42% -17.26% -2.56%
Accounts Payable -0.27% 2.63% 2.55% -8.64% 7.33%
Loans/Notes Payable -2.59% 0.45% 0.80% -10.35% 5.59%
Other Current Liabilities -0.63% 2.22% 2.30% -8.89% 7.13%
Total Current Liabilities -0.78% 2.12% 2.15% -9.03% 6.96%
Total Long Term Liabilities 1.78% 4.64% 4.42% -6.83% 9.13%
Total Liabilities 0.21% 3.11% 2.99% -8.21% 7.78%
Net Worth -15.69% -13.38% -16.38% -26.69% -12.87%
Total Liabilities & Net Worth -7.37% -4.77% -6.42% -17.26% -2.56%
Editable Comments (/750)

Balance Sheet (%)

Industry
  2013 2014 2015 2016 2017
Cash 24.47% 25.03% 24.76% 24.89% 24.99%
Receivables 28.50% 28.42% 28.05% 28.20% 27.41%
Inventory 5.88% 5.98% 6.56% 6.60% 6.41%
Other Current Assets 2.53% 2.43% 3.29% 3.31% 3.27%
Total Current Assets 61.38% 61.86% 62.66% 63.00% 62.08%
Gross Fixed Assets 133.55% 134.30% 113.29% 112.24% 116.16%
Accum. Depreciation-Amortization-Depltn. 109.71% 110.25% 90.04% 89.20% 92.29%
Net Fixed Assets 23.84% 24.05% 23.25% 23.04% 23.87%
Other Non-Current Assets 14.78% 14.09% 14.09% 13.96% 14.05%
Total Assets 100.00% 100.00% 100.00% 100.00% 100.00%
Accounts Payable 15.11% 15.22% 14.82% 14.69% 14.30%
Loans/Notes Payable 5.17% 5.27% 5.69% 5.61% 5.33%
Other Current Liabilities 11.91% 11.17% 11.81% 11.61% 11.52%
Total Current Liabilities 32.19% 31.66% 32.32% 31.91% 31.15%
Total Long Term Liabilities 20.13% 20.53% 19.10% 19.11% 18.80%
Total Liabilities 52.32% 52.19% 51.42% 51.02% 49.95%
Net Worth 47.68% 47.81% 48.58% 48.98% 50.05%
Total Liabilities & Net Worth 100.00% 100.00% 100.00% 100.00% 100.00%

Balance Sheet (%)

Your Firm
  2013 2014 2015 2016 2017
Cash 24.84% 25.38% 24.37% 24.49% 24.22%
Receivables 28.02% 28.05% 28.43% 28.61% 28.21%
Inventory 6.76% 6.86% 7.59% 7.72% 7.42%
Other Current Assets 3.39% 3.05% 3.94% 4.02% 3.84%
Total Current Assets 63.01% 63.34% 64.32% 64.85% 63.68%
Gross Fixed Assets 146.13% 146.51% 120.86% 120.54% 121.02%
Accum. Depreciation-Amortization-Depltn. 119.02% 119.35% 95.52% 95.21% 95.68%
Net Fixed Assets 24.13% 24.27% 22.71% 22.45% 23.04%
Other Non-Current Assets 12.86% 12.39% 12.96% 12.70% 13.28%
Total Assets 100.00% 100.00% 100.00% 100.00% 100.00%
Accounts Payable 16.27% 16.40% 16.24% 16.22% 15.75%
Loans/Notes Payable 5.44% 5.56% 6.13% 6.08% 5.78%
Other Current Liabilities 12.78% 11.99% 12.91% 12.78% 12.67%
Total Current Liabilities 34.48% 33.95% 35.28% 35.08% 34.19%
Total Long Term Liabilities 22.12% 22.56% 21.31% 21.52% 21.05%
Total Liabilities 56.60% 56.51% 56.59% 56.60% 55.25%
Net Worth 43.40% 43.49% 43.41% 43.40% 44.75%
Total Liabilities & Net Worth 100.00% 100.00% 100.00% 100.00% 100.00%
Editable Comments (/750)
Industry Assets 2017

Firm Assets 2017

Industry Liabilities 2017

Firm Liabilities 2017

Editable Comments (/750)

Variance from Industry

  2013 2014 2015 2016 2017
Cash 1.51% 1.40% -1.58% -1.61% -3.08%
Receivables -1.68% -1.30% 1.35% 1.45% 2.92%
Inventory 14.97% 14.72% 15.70% 16.97% 15.76%
Other Current Assets 33.99% 25.51% 19.76% 21.45% 17.43%
Total Current Assets 2.66% 2.39% 2.65% 2.94% 2.58%
Gross Fixed Assets 9.42% 9.09% 6.68% 7.39% 4.18%
Accum. Depreciation-Amortization-Depltn. 8.49% 8.25% 6.09% 6.74% 3.67%
Net Fixed Assets 1.22% 0.91% -2.32% -2.56% -3.48%
Other Non-Current Assets -12.99% -12.07% -8.02% -9.03% -5.48%
Total Assets 0.00% 0.00% 0.00% 0.00% 0.00%
Accounts Payable 7.68% 7.75% 9.58% 10.42% 10.14%
Loans/Notes Payable 5.22% 5.50% 7.73% 8.38% 8.44%
Other Current Liabilities 7.30% 7.34% 9.31% 10.08% 9.98%
Total Current Liabilities 7.11% 7.23% 9.16% 9.93% 9.76%
Total Long Term Liabilities 9.89% 9.89% 11.57% 12.61% 11.97%
Total Liabilities 8.18% 8.28% 10.05% 10.94% 10.61%
Net Worth -8.98% -9.04% -10.64% -11.39% -10.59%
Total Liabilities & Net Worth 0.00% 0.00% 0.00% 0.00% 0.00%
Editable Comments (/750)

Financial Ratios: Cash Flow-Solvency

Industry

  2013 2014 2015 2016 2017
Accounts Payable: Business Revenue 3.30 3.83 3.63 3.74 3.84
Current Ratio 1.91 1.95 1.94 1.97 1.99
Quick Ratio 1.65 1.69 1.63 1.66 1.68
Days Payable 21.59 24.62 23.10 23.75 24.08
Current Liabilities: Inventory 5.47 5.29 4.93 4.83 4.86
Net Working Capital: Business Revenue 0.06 0.08 0.07 0.08 0.08
Cost of Sales: Accounts Payable 16.90 14.82 15.80 17.71 15.16
Cost of Sales: Inventory 43.44 37.73 35.69 39.42 33.81

Financial Ratios: Cash Flow-Solvency

Your Firm

  2013 2014 2015 2016 2017
Accounts Payable: Business Revenue 3.47 3.63 3.68 3.32 4.00
Current Ratio 1.83 1.87 1.82 1.85 1.86
Quick Ratio 1.53 1.57 1.50 1.51 1.53
Days Payable 21.98 21.03 22.76 20.71 25.35
Current Liabilities: Inventory 5.10 4.95 4.65 4.54 4.61
Net Working Capital: Business Revenue 0.06 0.07 0.07 0.06 0.07
Cost of Sales: Accounts Payable 16.61 17.36 16.04 17.63 14.40
Cost of Sales: Inventory 39.97 41.49 34.33 37.02 30.56
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)

Financial Ratios: Cash Flow-Solvency

Industry

  2013 2014 2015 2016 2017
Accounts Payable: Business Revenue 5.15% -5.22% 1.38% -11.23% 4.17%
Current Ratio -4.19% -4.10% -6.19% -6.09% -6.53%
Quick Ratio -7.27% -7.10% -7.98% -9.04% -8.93%
Days Payable 1.81% -14.58% -1.47% -12.80% 5.27%
Current Liabilities: Inventory -6.76% -6.43% -5.68% -6.00% -5.14%
Net Working Capital: Business Revenue 0.00% -12.50% 0.00% -25.00% -12.50%
Cost of Sales: Accounts Payable -1.72% 17.14% 1.52% -0.45% -5.01%
Cost of Sales: Inventory -7.99% 9.97% -3.81% -6.09% -9.61%
Editable Comments (/750)

Financial Ratios: Profitability

Industry

  2013 2014 2015 2016 2017
EBITDA: Business Revenue (%) 7.88 8.80 7.20 6.98 6.01
Pre-Tax Return On Assets (%) 29.38 30.05 24.04 22.25 17.47
Pre-Tax Return on Net Worth (%) 61.61 62.86 49.49 45.42 34.91
Pre-Tax Return on Business Revenue (%) 6.41 7.57 5.89 5.66 4.69
Discretionary Owner Earnings 13.62 13.63 12.97 12.78 12.27
After-Tax Return On Assets (%) 22.44 22.84 18.69 19.54 14.11
After-Tax Return On Net Worth (%) 47.05 47.77 38.48 39.89 28.19
After-Tax Return On Business Revenue (%) 4.90 5.75 4.58 4.31 3.79

Financial Ratios: Profitability

Your Firm

  2013 2014 2015 2016 2017
EBITDA: Business Revenue (%) 7.81 7.98 7.67 7.53 7.09
Pre-Tax Return On Assets (%) 30.39 31.66 28.58 30.79 22.85
Pre-Tax Return on Net Worth (%) 70.03 72.80 65.85 70.95 51.05
Pre-Tax Return on Business Revenue (%) 6.48 7.01 6.47 6.30 5.80
Discretionary Owner Earnings 12.67 11.34 12.29 12.37 12.38
After-Tax Return On Assets (%) 23.81 24.43 22.08 23.88 17.99
After-Tax Return On Net Worth (%) 54.87 56.18 50.86 55.03 40.19
After-Tax Return On Business Revenue (%) 5.07 5.41 5.00 4.89 4.57
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)

Financial Ratios: Profitability

Industry

  2013 2014 2015 2016 2017
EBITDA: Business Revenue (%) -0.89% -9.32% 6.53% 7.88% 17.97%
Pre-Tax Return On Assets (%) 3.44% 5.36% 18.89% 38.38% 30.80%
Pre-Tax Return on Net Worth (%) 13.67% 15.81% 33.06% 56.21% 46.23%
Pre-Tax Return on Business Revenue (%) 1.09% -7.40% 9.85% 11.31% 23.67%
Discretionary Owner Earnings -6.98% -16.80% -5.24% -3.21% 0.90%
After-Tax Return On Assets (%) 6.11% 6.96% 18.14% 22.21% 27.50%
After-Tax Return On Net Worth (%) 16.62% 17.61% 32.17% 37.95% 42.57%
After-Tax Return On Business Revenue (%) 3.47% -5.91% 9.17% 13.46% 20.58%
Editable Comments (/750)

Financial Ratios: Efficiency

Industry

  2013 2014 2015 2016 2017
Assets: Business Revenue 0.22 0.25 0.24 0.25 0.27
Days Inventory 8.40 9.67 10.23 10.67 10.80
Days Receivables 22.70 26.13 25.08 26.19 26.85
Current Asset Turnover 7.47 6.42 6.51 6.24 6.00
Fixed Asset Turnover (Business Revenue/Fixed Assets) 19.22 16.51 17.55 17.06 15.61
Gross Margin: Business Revenue 44.27 43.17 42.64 42.56 41.83
Sales Per Employee 191,044 190,429 189,197 187,568 191,301
Inventory Turnover 77.94 66.39 62.22 59.55 58.12
Receivables Turnover 16.08 13.97 14.55 13.94 13.59
Total Asset Turnover 4.58 3.97 4.08 3.93 3.73
Working Capital Turnover 15.70 13.15 13.45 12.64 12.05
Days Working Capital 23.25 27.77 27.13 28.87 30.30
Cash Turnover 18.73 15.86 16.49 15.79 14.91

Financial Ratios: Efficiency

Your Firm

  2013 2014 2015 2016 2017
Assets: Business Revenue 0.21 0.22 0.23 0.20 0.25
Days Inventory 9.13 8.80 10.63 9.86 11.94
Days Receivables 21.79 22.66 23.49 21.37 26.13
Current Asset Turnover 7.45 7.13 6.87 7.54 6.19
Fixed Asset Turnover (Business Revenue/Fixed Assets) 19.45 18.62 19.45 21.77 17.10
Gross Margin: Business Revenue 42.43 36.99 41.05 41.50 42.43
Sales Per Employee 161,244 159,909 171,846 173,692 174,945
Inventory Turnover 69.43 65.85 58.24 63.28 53.09
Receivables Turnover 16.75 16.11 15.54 17.08 13.97
Total Asset Turnover 4.69 4.52 4.42 4.89 3.94
Working Capital Turnover 16.45 15.38 15.21 16.42 13.36
Days Working Capital 22.19 23.73 23.99 22.23 27.32
Cash Turnover 18.89 17.81 18.13 19.95 16.27
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)

Financial Ratios: Efficiency

Industry

  2013 2014 2015 2016 2017
Assets: Business Revenue -4.55% -12.00% -4.17% -20.00% -7.41%
Days Inventory 8.69% -9.00% 3.91% -7.59% 10.56%
Days Receivables -4.01% -13.28% -6.34% -18.40% -2.68%
Current Asset Turnover -0.27% 11.06% 5.53% 20.83% 3.17%
Fixed Asset Turnover (Business Revenue/Fixed Assets) 1.20% 12.78% 10.83% 27.61% 9.55%
Gross Margin: Business Revenue -4.16% -14.32% -3.73% -2.49% 1.43%
Sales Per Employee -15.60% -16.03% -9.17% -7.40% -8.55%
Inventory Turnover -10.92% -0.81% -6.40% 6.26% -8.65%
Receivables Turnover 4.17% 15.32% 6.80% 22.53% 2.80%
Total Asset Turnover 2.40% 13.85% 8.33% 24.43% 5.63%
Working Capital Turnover 4.78% 16.96% 13.09% 29.91% 10.87%
Days Working Capital -4.56% -14.55% -11.57% -23.00% -9.83%
Cash Turnover 0.85% 12.30% 9.95% 26.35% 9.12%
Editable Comments (/750)

Financial Ratios: Debt-Risk

Industry

  2013 2014 2015 2016 2017
Interest Coverage 19.70 23.78 19.46 18.54 15.82
Current Liabilities: Net Worth 0.68 0.66 0.67 0.65 0.62
Long-Term Liabilities: Net Worth 0.42 0.43 0.39 0.39 0.38
Loans-Notes Payable/Net Worth 0.11 0.11 0.12 0.11 0.11
Modified Z-Score 6.82 6.74 6.33 6.19 5.75
Total Liabilities: Net Worth 1.10 1.09 1.06 1.04 1.00
Fixed Assets: Net Worth 0.50 0.50 0.48 0.47 0.48

Financial Ratios: Debt-Risk

Your Firm

  2013 2014 2015 2016 2017
Interest Coverage 18.26 22.29 19.59 18.54 16.77
Current Liabilities: Net Worth 0.79 0.78 0.81 0.81 0.76
Long-Term Liabilities: Net Worth 0.51 0.52 0.49 0.50 0.47
Loans-Notes Payable/Net Worth 0.13 0.13 0.14 0.14 0.13
Modified Z-Score 6.59 6.54 6.41 6.81 5.92
Total Liabilities: Net Worth 1.30 1.30 1.30 1.30 1.23
Fixed Assets: Net Worth 0.56 0.56 0.52 0.52 0.51
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)

Financial Ratios: Debt-Risk

Industry

  2013 2014 2015 2016 2017
Interest Coverage -7.31% -6.27% 0.67% 0.00% 6.01%
Current Liabilities: Net Worth 16.18% 18.18% 20.90% 24.62% 22.58%
Long-Term Liabilities: Net Worth 21.43% 20.93% 25.64% 28.21% 23.68%
Loans-Notes Payable/Net Worth 18.18% 18.18% 16.67% 27.27% 18.18%
Modified Z-Score -3.37% -2.97% 1.26% 10.02% 2.96%
Total Liabilities: Net Worth 18.18% 19.27% 22.64% 25.00% 23.00%
Fixed Assets: Net Worth 12.00% 12.00% 8.33% 10.64% 6.25%
Editable Comments (/750)

Sources & Uses of Funds

Change In: 13-14 14-15 15-16 16-17
Cash & cash equivalents 2,240 9,900 4,000 6,966
Worksheet:
Accounts Receivable 112 -10,977 -4,543 -3,777
Inventory -410 -5,044 -1,083 -861
Other Curr Assets 355 -4,644 -544 -683
Net Fixed Assets -930 -7,275 -2,305 -9,841
Other Non-Curr Assets 2,462 -6,196 -1,425 -4,029
Accounts Payable 507 5,040 1,501 2,066
Loans/Notes Payable 405 4,067 447 191
Other current Liabilities -2,673 7,579 783 2,627
Long-term debt 1,617 3,097 2,698 3,586
Net Worth 795 24,253 8,471 17,687
Total Sources & Uses 2,240 9,900 4,000 6,966
Cash: Beginning Period 90,771 93,011 102,911 106,911
Cash: End Period 93,011 102,911 106,911 113,877
Change in Cash & Cash Equivalents 2,240 9,900 4,000 6,966

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.