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:
3.42
RATIO CATEGORY SCORES
CASH FLOW/ SOLVENCY:
3.53
PROFITABILITY:
4.33
EFFICIENCY:
3.62
DEBT-RISK:
2.19

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 Loans-Notes Payable/Net Worth 1.30
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
2018q2 31

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
2018q2
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
2018q2
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 2018q2
Business Revenue 1,700,061 1,475,287 1,696,498 1,442,023 1,658,327 1,691,623
Cost of Sales 995,896 876,911 990,585 843,872 964,649 986,724
Cost of Sales - Labor Portion 634,571 539,994 581,320 514,198 570,581 590,212
Gross Margin 704,165 598,376 705,913 598,151 693,678 704,899
Officers Comp. 115,264 95,451 119,603 102,452 120,560 125,349
Salary-Wages 173,746 142,513 158,792 135,995 160,029 166,456
Rent 35,361 27,440 33,082 28,374 33,498 34,847
Taxes Paid 50,152 43,226 54,967 47,154 55,388 57,177
Advertising 24,311 19,179 15,099 12,935 15,257 15,901
Benefits-Pensions 40,121 28,030 44,109 37,753 44,277 46,181
Repairs 11,900 5,016 9,161 7,789 9,121 9,642
Bad Debt 4,930 1,770 1,188 974 1,161 1,184
Sales, General, Admin & Misc. 137,705 125,842 156,587 131,746 154,722 160,535
EBITDA 110,675 109,909 113,325 92,979 99,665 87,627
Amortization Depreciation Depletion 25,331 15,343 20,019 17,108 20,066 20,130
Operating Expenses 618,821 503,810 612,607 522,280 614,079 637,402
Operating Income 85,344 94,566 93,306 75,871 79,599 67,497
Interest Income 340 295 339 278 332 338
Interest Expense 6,460 5,164 6,107 5,285 6,302 6,428
Other Income 8,670 3,393 4,241 3,749 4,146 4,229
Pre-Tax Net Profit 87,894 93,090 91,779 74,613 77,775 65,636
Income Tax 18,134 19,901 19,455 13,602 14,694 12,596
After Tax Net Profit 69,760 73,189 72,324 61,011 63,081 53,040
Discretionary Owner Earnings 210,355 183,983 211,946 180,571 203,707 198,519

Income & Expense-Profit & Loss ($)

Your Firm
  2013 2014 2015 2016 2017 2018q2
Business Revenue 1,612,441 1,599,085 1,718,455 1,736,918 1,749,451 1,612,441
Cost of Sales 928,251 1,007,518 1,013,071 1,016,144 1,007,072 928,251
Cost of Sales - Labor Portion 569,529 492,732 534,937 572,026 580,916 569,529
Gross Margin 684,190 591,567 705,384 720,774 742,379 684,190
Officers Comp. 98,334 80,661 106,289 110,225 116,091 98,334
Salary-Wages 158,955 130,815 147,964 153,195 160,814 158,955
Rent 34,635 27,157 33,167 34,324 35,928 34,635
Taxes Paid 48,163 42,448 54,620 56,438 59,117 48,163
Advertising 22,990 18,289 13,824 14,367 15,130 22,990
Benefits-Pensions 39,258 27,463 44,597 46,010 48,075 39,258
Repairs 10,147 2,998 7,493 7,714 8,137 10,147
Bad Debt 7,471 4,169 3,565 3,593 3,622 7,471
Sales, General, Admin & Misc. 138,237 129,912 162,061 164,133 171,385 138,237
EBITDA 126,000 127,655 131,804 130,775 124,080 126,000
Amortization Depreciation Depletion 24,189 14,160 19,099 19,760 20,652 24,189
Operating Expenses 582,379 478,072 592,679 609,759 638,951 582,379
Operating Income 101,811 113,495 112,705 111,015 103,428 101,811
Interest Income 565 529 575 583 591 565
Interest Expense 6,902 5,728 6,729 7,055 7,401 6,902
Other Income 8,956 3,740 4,619 4,898 4,824 8,956
Pre-Tax Net Profit 104,430 112,036 111,170 109,441 101,442 104,430
Income Tax 22,609 25,575 25,306 24,563 21,575 22,609
After Tax Net Profit 81,821 86,461 85,864 84,878 79,867 81,821
Discretionary Owner Earnings 204,344 181,282 211,252 214,863 216,610 204,344
Editable Comments (/750)
Industry Expenses: Sales 2017

Firm Expenses: Sales 2017

Industry Owner Earnings: Sales 2017

Firm Owner Earnings: Sales 2017

Editable Comments (/750)

Variance from Industry

  2013 2014 2015 2016 2017 2018q2
Business Revenue -5.15% 8.39% 1.29% 20.45% 5.49% -4.68%
Cost of Sales -6.79% 14.89% 2.27% 20.41% 4.40% -5.93%
Cost of Sales - Labor Portion -10.25% -8.75% -7.98% 11.25% 1.81% -3.50%
Gross Margin -2.84% -1.14% -0.07% 20.50% 7.02% -2.94%
Officers Comp. -14.69% -15.49% -11.13% 7.59% -3.71% -21.55%
Salary-Wages -8.51% -8.21% -6.82% 12.65% 0.49% -4.51%
Rent -2.05% -1.03% 0.26% 20.97% 7.25% -0.61%
Taxes Paid -3.97% -1.80% -0.63% 19.69% 6.73% -15.77%
Advertising -5.43% -4.64% -8.44% 11.07% -0.83% 44.58%
Benefits-Pensions -2.15% -2.02% 1.11% 21.87% 8.58% -14.99%
Repairs -14.73% -40.23% -18.21% -0.96% -10.79% 5.24%
Bad Debt 51.54% 135.54% 200.08% 268.89% 211.97% 531.00%
Sales, General, Admin & Misc. 0.39% 3.23% 3.50% 24.58% 10.77% -13.89%
EBITDA 13.85% 16.15% 16.31% 40.65% 24.50% 43.79%
Amortization Depreciation Depletion -4.51% -7.71% -4.60% 15.50% 2.92% 20.16%
Operating Expenses -5.89% -5.11% -3.25% 16.75% 4.05% -8.63%
Operating Income 19.29% 20.02% 20.79% 46.32% 29.94% 50.84%
Interest Income 66.18% 79.32% 69.62% 109.71% 78.01% 67.16%
Interest Expense 6.84% 10.92% 10.19% 33.49% 17.44% 7.37%
Other Income 3.30% 10.23% 8.91% 30.65% 16.35% 111.78%
Pre-Tax Net Profit 18.81% 20.35% 21.13% 46.68% 30.43% 59.10%
Income Tax 24.68% 28.51% 30.07% 80.58% 46.83% 79.49%
After Tax Net Profit 17.29% 18.13% 18.72% 39.12% 26.61% 54.26%
Discretionary Owner Earnings -2.86% -1.47% -0.33% 18.99% 6.33% 2.93%
Editable Comments (/750)

Income & Expense-Profit & Loss (%)

Industry
  2013 2014 2015 2016 2017 2018q2
Business Revenue 100% 100% 100% 100% 100% 100%
Cost of Sales 58.58% 59.44% 58.39% 58.52% 58.17% 58.33%
Cost of Sales - Labor Portion 37.33% 36.60% 34.27% 35.66% 34.41% 34.89%
Gross Margin 41.42% 40.56% 41.61% 41.48% 41.83% 41.67%
Officers Comp. 6.78% 6.47% 7.05% 7.10% 7.27% 7.41%
Salary-Wages 10.22% 9.66% 9.36% 9.43% 9.65% 9.84%
Rent 2.08% 1.86% 1.95% 1.97% 2.02% 2.06%
Taxes Paid 2.95% 2.93% 3.24% 3.27% 3.34% 3.38%
Advertising 1.43% 1.30% 0.89% 0.90% 0.92% 0.94%
Benefits-Pensions 2.36% 1.90% 2.60% 2.62% 2.67% 2.73%
Repairs 0.70% 0.34% 0.54% 0.54% 0.55% 0.57%
Bad Debt 0.29% 0.12% 0.07% 0.07% 0.07% 0.07%
Sales, General, Admin & Misc. 8.10% 8.53% 9.23% 9.14% 9.33% 9.49%
EBITDA 6.51% 7.45% 6.68% 6.44% 6.01% 5.18%
Amortization Depreciation Depletion 1.49% 1.04% 1.18% 1.19% 1.21% 1.19%
Operating Expenses 36.40% 34.15% 36.11% 36.23% 37.03% 37.68%
Operating Income 5.02% 6.41% 5.50% 5.25% 4.80% 3.99%
Interest Income 0.02% 0.02% 0.02% 0.02% 0.02% 0.02%
Interest Expense 0.38% 0.35% 0.36% 0.37% 0.38% 0.38%
Other Income 0.51% 0.23% 0.25% 0.26% 0.25% 0.25%
Pre-Tax Net Profit 5.17% 6.31% 5.41% 5.17% 4.69% 3.88%
Income Tax 1.07% 1.35% 1.15% 0.94% 0.89% 0.74%
After Tax Net Profit 4.10% 4.96% 4.26% 4.22% 3.80% 3.14%
Discretionary Owner Earnings 12.37% 12.47% 12.49% 12.52% 12.28% 11.74%

Income & Expense-Profit & Loss (%)

Your Firm
  2013 2014 2015 2016 2017 2018q2
Business Revenue 100% 100% 100% 100% 100% 100%
Cost of Sales 57.57% 63.01% 58.95% 58.50% 57.57% 57.57%
Cost of Sales - Labor Portion 35.32% 30.81% 31.13% 32.93% 33.21% 35.32%
Gross Margin 42.43% 36.99% 41.05% 41.50% 42.43% 42.43%
Officers Comp. 6.10% 5.04% 6.19% 6.35% 6.64% 6.10%
Salary-Wages 9.86% 8.18% 8.61% 8.82% 9.19% 9.86%
Rent 2.15% 1.70% 1.93% 1.98% 2.05% 2.15%
Taxes Paid 2.99% 2.65% 3.18% 3.25% 3.38% 2.99%
Advertising 1.43% 1.14% 0.80% 0.83% 0.86% 1.43%
Benefits-Pensions 2.43% 1.72% 2.60% 2.65% 2.75% 2.43%
Repairs 0.63% 0.19% 0.44% 0.44% 0.47% 0.63%
Bad Debt 0.46% 0.26% 0.21% 0.21% 0.21% 0.46%
Sales, General, Admin & Misc. 8.57% 8.12% 9.43% 9.45% 9.80% 8.57%
EBITDA 7.81% 7.98% 7.67% 7.53% 7.09% 7.81%
Amortization Depreciation Depletion 1.50% 0.89% 1.11% 1.14% 1.18% 1.50%
Operating Expenses 36.12% 29.90% 34.49% 35.11% 36.52% 36.12%
Operating Income 6.31% 7.10% 6.56% 6.39% 5.91% 6.31%
Interest Income 0.04% 0.03% 0.03% 0.03% 0.03% 0.04%
Interest Expense 0.43% 0.36% 0.39% 0.41% 0.42% 0.43%
Other Income 0.56% 0.23% 0.27% 0.28% 0.28% 0.56%
Pre-Tax Net Profit 6.48% 7.01% 6.47% 6.30% 5.80% 6.48%
Income Tax 1.40% 1.60% 1.47% 1.41% 1.23% 1.40%
After Tax Net Profit 5.07% 5.41% 5.00% 4.89% 4.57% 5.07%
Discretionary Owner Earnings 12.67% 11.34% 12.29% 12.37% 12.38% 12.67%
Editable Comments (/750)
Industry Owner Earnings: Sales 2017

Firm Owner Earnings: Sales 2017

Editable Comments (/750)

Variance from Industry

  2013 2014 2015 2016 2017 2018q2
Business Revenue 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Cost of Sales -1.72% 6.01% 0.96% -0.03% -1.03% -1.30%
Cost of Sales - Labor Portion -5.38% -15.82% -9.16% -7.66% -3.49% 1.23%
Gross Margin 2.44% -8.80% -1.35% 0.05% 1.43% 1.82%
Officers Comp. -10.03% -22.10% -12.20% -10.56% -8.67% -17.68%
Salary-Wages -3.52% -15.32% -8.01% -6.47% -4.77% 0.20%
Rent 3.37% -8.60% -1.03% 0.51% 1.49% 4.37%
Taxes Paid 1.36% -9.56% -1.85% -0.61% 1.20% -11.54%
Advertising 0.00% -12.31% -10.11% -7.78% -6.52% 52.13%
Benefits-Pensions 2.97% -9.47% 0.00% 1.15% 3.00% -10.99%
Repairs -10.00% -44.12% -18.52% -18.52% -14.55% 10.53%
Bad Debt 58.62% 116.67% 200.00% 200.00% 200.00% 557.14%
Sales, General, Admin & Misc. 5.80% -4.81% 2.17% 3.39% 5.04% -9.69%
EBITDA 19.97% 7.11% 14.82% 16.93% 17.97% 50.77%
Amortization Depreciation Depletion 0.67% -14.42% -5.93% -4.20% -2.48% 26.05%
Operating Expenses -0.77% -12.45% -4.49% -3.09% -1.38% -4.14%
Operating Income 25.70% 10.76% 19.27% 21.71% 23.13% 58.15%
Interest Income 100.00% 50.00% 50.00% 50.00% 50.00% 100.00%
Interest Expense 13.16% 2.86% 8.33% 10.81% 10.53% 13.16%
Other Income 9.80% 0.00% 8.00% 7.69% 12.00% 124.00%
Pre-Tax Net Profit 25.34% 11.09% 19.59% 21.86% 23.67% 67.01%
Income Tax 30.84% 18.52% 27.83% 50.00% 38.20% 89.19%
After Tax Net Profit 23.66% 9.07% 17.37% 15.88% 20.26% 61.46%
Discretionary Owner Earnings 2.43% -9.06% -1.60% -1.20% 0.81% 7.92%
Editable Comments (/750)

Balance Sheet ($)

Industry
  2013 2014 2015 2016 2017 2018q2
Cash 100,284 101,765 106,657 82,263 111,230 112,457
Receivables 105,665 105,574 116,515 89,724 122,001 124,777
Inventory 21,796 22,195 27,246 20,988 28,531 29,182
Other Current Assets 10,605 9,446 13,919 10,737 14,555 14,793
Total Current Assets 238,350 238,980 264,337 203,712 276,317 281,209
Gross Fixed Assets 475,425 475,817 487,226 370,462 517,030 513,830
Accum. Depreciation-Amortization-Depltn. 377,716 378,028 387,092 294,325 410,771 408,228
Net Fixed Assets 97,709 97,789 100,134 76,137 106,259 105,602
Other Non-Current Assets 53,847 51,943 58,604 44,533 62,522 62,837
Total Assets 389,906 388,712 423,075 324,382 445,098 449,648
Accounts Payable 56,185 56,674 61,642 46,808 63,649 65,963
Loans/Notes Payable 19,222 19,630 23,650 17,873 23,724 24,146
Other Current Liabilities 44,254 41,592 49,119 36,980 51,275 49,461
Total Current Liabilities 119,661 117,896 134,411 101,661 138,648 139,570
Total Long Term Liabilities 74,862 76,460 79,453 60,854 83,678 80,712
Total Liabilities 194,523 194,356 213,864 162,515 222,326 220,282
Net Worth 195,383 194,356 209,211 161,867 222,772 229,366
Total Liabilities & Net Worth 389,906 388,712 423,075 324,382 445,098 449,648

Balance Sheet ($)

Your Firm
  2013 2014 2015 2016 2017 2018q2
Cash 85,349 89,801 94,771 87,043 107,535 85,349
Receivables 96,277 99,257 110,587 101,697 125,244 96,277
Inventory 23,224 24,285 29,507 27,448 32,955 23,224
Other Current Assets 11,646 10,787 15,316 14,291 17,032 11,646
Total Current Assets 216,496 224,130 250,181 230,479 282,766 216,496
Gross Fixed Assets 502,101 518,455 470,095 428,411 537,382 502,101
Accum. Depreciation-Amortization-Depltn. 408,946 422,327 371,506 338,377 424,833 408,946
Net Fixed Assets 82,904 85,877 88,338 79,783 102,298 82,904
Other Non-Current Assets 44,198 43,856 50,424 45,145 58,972 44,198
Total Assets 343,598 353,863 388,943 355,407 444,036 343,598
Accounts Payable 55,898 58,045 63,165 57,646 69,943 55,898
Loans/Notes Payable 18,682 19,672 23,840 21,604 25,646 18,682
Other Current Liabilities 43,900 42,429 50,213 45,435 56,239 43,900
Total Current Liabilities 118,480 120,146 137,218 124,685 151,828 118,480
Total Long Term Liabilities 76,001 79,830 82,892 76,479 93,491 76,001
Total Liabilities 194,481 199,976 220,110 201,164 245,319 194,481
Net Worth 149,117 153,887 168,833 154,243 198,717 149,117
Total Liabilities & Net Worth 343,598 353,863 388,943 355,407 444,036 343,598
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 2018q2
Cash -14.89% -11.76% -11.14% 5.81% -3.32% -24.11%
Receivables -8.88% -5.98% -5.09% 13.34% 2.66% -22.84%
Inventory 6.55% 9.42% 8.30% 30.78% 15.51% -20.42%
Other Current Assets 9.82% 14.20% 10.04% 33.10% 17.02% -21.27%
Total Current Assets -9.17% -6.21% -5.36% 13.14% 2.33% -23.01%
Gross Fixed Assets 5.61% 8.96% -3.52% 15.64% 3.94% -2.28%
Accum. Depreciation-Amortization-Depltn. 8.27% 11.72% -4.03% 14.97% 3.42% 0.18%
Net Fixed Assets -15.15% -12.18% -11.78% 4.79% -3.73% -21.49%
Other Non-Current Assets -17.92% -15.57% -13.96% 1.37% -5.68% -29.66%
Total Assets -11.88% -8.97% -8.07% 9.56% -0.24% -23.59%
Accounts Payable -0.51% 2.42% 2.47% 23.15% 9.89% -15.26%
Loans/Notes Payable -2.81% 0.21% 0.80% 20.88% 8.10% -22.63%
Other Current Liabilities -0.80% 2.01% 2.23% 22.86% 9.68% -11.24%
Total Current Liabilities -0.99% 1.91% 2.09% 22.65% 9.51% -15.11%
Total Long Term Liabilities 1.52% 4.41% 4.33% 25.68% 11.73% -5.84%
Total Liabilities -0.02% 2.89% 2.92% 23.78% 10.34% -11.71%
Net Worth -23.68% -20.82% -19.30% -4.71% -10.80% -34.99%
Total Liabilities & Net Worth -11.88% -8.97% -8.07% 9.56% -0.24% -23.59%
Editable Comments (/750)

Balance Sheet (%)

Industry
  2013 2014 2015 2016 2017 2018q2
Cash 25.72% 26.18% 25.21% 25.36% 24.99% 25.01%
Receivables 27.10% 27.16% 27.54% 27.66% 27.41% 27.75%
Inventory 5.59% 5.71% 6.44% 6.47% 6.41% 6.49%
Other Current Assets 2.72% 2.43% 3.29% 3.31% 3.27% 3.29%
Total Current Assets 61.13% 61.48% 62.48% 62.80% 62.08% 62.54%
Gross Fixed Assets 121.93% 122.41% 115.16% 114.21% 116.16% 114.27%
Accum. Depreciation-Amortization-Depltn. 96.87% 97.25% 91.49% 90.73% 92.29% 90.79%
Net Fixed Assets 25.06% 25.16% 23.67% 23.47% 23.87% 23.49%
Other Non-Current Assets 13.81% 13.36% 13.85% 13.73% 14.05% 13.97%
Total Assets 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Accounts Payable 14.41% 14.58% 14.57% 14.43% 14.30% 14.67%
Loans/Notes Payable 4.93% 5.05% 5.59% 5.51% 5.33% 5.37%
Other Current Liabilities 11.35% 10.70% 11.61% 11.40% 11.52% 11.00%
Total Current Liabilities 30.69% 30.33% 31.77% 31.34% 31.15% 31.04%
Total Long Term Liabilities 19.20% 19.67% 18.78% 18.76% 18.80% 17.95%
Total Liabilities 49.89% 50.00% 50.55% 50.10% 49.95% 48.99%
Net Worth 50.11% 50.00% 49.45% 49.90% 50.05% 51.01%
Total Liabilities & Net Worth 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%

Balance Sheet (%)

Your Firm
  2013 2014 2015 2016 2017 2018q2
Cash 24.84% 25.38% 24.37% 24.49% 24.22% 24.84%
Receivables 28.02% 28.05% 28.43% 28.61% 28.21% 28.02%
Inventory 6.76% 6.86% 7.59% 7.72% 7.42% 6.76%
Other Current Assets 3.39% 3.05% 3.94% 4.02% 3.84% 3.39%
Total Current Assets 63.01% 63.34% 64.32% 64.85% 63.68% 63.01%
Gross Fixed Assets 146.13% 146.51% 120.86% 120.54% 121.02% 146.13%
Accum. Depreciation-Amortization-Depltn. 119.02% 119.35% 95.52% 95.21% 95.68% 119.02%
Net Fixed Assets 24.13% 24.27% 22.71% 22.45% 23.04% 24.13%
Other Non-Current Assets 12.86% 12.39% 12.96% 12.70% 13.28% 12.86%
Total Assets 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Accounts Payable 16.27% 16.40% 16.24% 16.22% 15.75% 16.27%
Loans/Notes Payable 5.44% 5.56% 6.13% 6.08% 5.78% 5.44%
Other Current Liabilities 12.78% 11.99% 12.91% 12.78% 12.67% 12.78%
Total Current Liabilities 34.48% 33.95% 35.28% 35.08% 34.19% 34.48%
Total Long Term Liabilities 22.12% 22.56% 21.31% 21.52% 21.05% 22.12%
Total Liabilities 56.60% 56.51% 56.59% 56.60% 55.25% 56.60%
Net Worth 43.40% 43.49% 43.41% 43.40% 44.75% 43.40%
Total Liabilities & Net Worth 100.00% 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 2018q2
Cash -3.42% -3.06% -3.33% -3.43% -3.08% -0.68%
Receivables 3.39% 3.28% 3.23% 3.43% 2.92% 0.97%
Inventory 20.93% 20.14% 17.86% 19.32% 15.76% 4.16%
Other Current Assets 24.63% 25.51% 19.76% 21.45% 17.43% 3.04%
Total Current Assets 3.08% 3.03% 2.94% 3.26% 2.58% 0.75%
Gross Fixed Assets 19.85% 19.69% 4.95% 5.54% 4.18% 27.88%
Accum. Depreciation-Amortization-Depltn. 22.87% 22.72% 4.40% 4.94% 3.67% 31.09%
Net Fixed Assets -3.71% -3.54% -4.06% -4.35% -3.48% 2.72%
Other Non-Current Assets -6.88% -7.26% -6.43% -7.50% -5.48% -7.95%
Total Assets 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Accounts Payable 12.91% 12.48% 11.46% 12.40% 10.14% 10.91%
Loans/Notes Payable 10.34% 10.10% 9.66% 10.34% 8.44% 1.30%
Other Current Liabilities 12.60% 12.06% 11.20% 12.11% 9.98% 16.18%
Total Current Liabilities 12.35% 11.94% 11.05% 11.93% 9.76% 11.08%
Total Long Term Liabilities 15.21% 14.69% 13.47% 14.71% 11.97% 23.23%
Total Liabilities 13.45% 13.02% 11.95% 12.97% 10.61% 15.53%
Net Worth -13.39% -13.02% -12.21% -13.03% -10.59% -14.92%
Total Liabilities & Net Worth 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Editable Comments (/750)

Financial Ratios: Cash Flow-Solvency

Industry

  2013 2014 2015 2016 2017 2018q2
Accounts Payable: Business Revenue 3.30 3.84 3.63 3.25 3.84 3.90
Current Ratio 1.99 2.03 1.97 2.00 1.99 2.01
Quick Ratio 1.72 1.76 1.66 1.69 1.68 1.70
Days Payable 20.59 23.59 22.71 20.25 24.08 24.40
Current Liabilities: Inventory 5.49 5.31 4.93 4.84 4.86 4.78
Net Working Capital: Business Revenue 0.07 0.08 0.08 0.07 0.08 0.08
Cost of Sales: Accounts Payable 17.73 15.47 16.07 18.03 15.16 14.96
Cost of Sales: Inventory 45.69 39.51 36.36 40.21 33.81 33.81

Financial Ratios: Cash Flow-Solvency

Your Firm

  2013 2014 2015 2016 2017 2018q2
Accounts Payable: Business Revenue 3.47 3.63 3.68 3.32 4.00 3.47
Current Ratio 1.83 1.87 1.82 1.85 1.86 1.83
Quick Ratio 1.53 1.57 1.50 1.51 1.53 1.53
Days Payable 21.98 21.03 22.76 20.71 25.35 21.98
Current Liabilities: Inventory 5.10 4.95 4.65 4.54 4.61 5.10
Net Working Capital: Business Revenue 0.06 0.07 0.07 0.06 0.07 0.06
Cost of Sales: Accounts Payable 16.61 17.36 16.04 17.63 14.40 16.61
Cost of Sales: Inventory 39.97 41.49 34.33 37.02 30.56 39.97
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 2018q2
Accounts Payable: Business Revenue 5.15% -5.47% 1.38% 2.15% 4.17% -11.03%
Current Ratio -8.04% -7.88% -7.61% -7.50% -6.53% -8.96%
Quick Ratio -11.05% -10.80% -9.64% -10.65% -8.93% -10.00%
Days Payable 6.75% -10.85% 0.22% 2.27% 5.27% -9.92%
Current Liabilities: Inventory -7.10% -6.78% -5.68% -6.20% -5.14% 6.69%
Net Working Capital: Business Revenue -14.29% -12.50% -12.50% -14.29% -12.50% -25.00%
Cost of Sales: Accounts Payable -6.32% 12.22% -0.19% -2.22% -5.01% 11.03%
Cost of Sales: Inventory -12.52% 5.01% -5.58% -7.93% -9.61% 18.22%
Editable Comments (/750)

Financial Ratios: Profitability

Industry

  2013 2014 2015 2016 2017 2018q2
EBITDA: Business Revenue (%) 6.51 7.45 6.68 6.44 6.01 5.18
Pre-Tax Return On Assets (%) 22.54 23.95 21.69 23.00 17.47 14.60
Pre-Tax Return on Net Worth (%) 44.99 47.90 43.87 46.10 34.91 28.62
Pre-Tax Return on Business Revenue (%) 5.17 6.31 5.41 5.17 4.69 3.88
Discretionary Owner Earnings 12.37 12.47 12.49 12.52 12.28 11.74
After-Tax Return On Assets (%) 17.89 18.83 17.09 18.75 14.17 11.80
After-Tax Return On Net Worth (%) 35.70 37.66 34.57 37.57 28.32 23.12
After-Tax Return On Business Revenue (%) 4.10 4.96 4.26 4.22 3.80 3.14

Financial Ratios: Profitability

Your Firm

  2013 2014 2015 2016 2017 2018q2
EBITDA: Business Revenue (%) 7.81 7.98 7.67 7.53 7.09 7.81
Pre-Tax Return On Assets (%) 30.39 31.66 28.58 30.79 22.85 30.39
Pre-Tax Return on Net Worth (%) 70.03 72.80 65.85 70.95 51.05 70.03
Pre-Tax Return on Business Revenue (%) 6.48 7.01 6.47 6.30 5.80 6.48
Discretionary Owner Earnings 12.67 11.34 12.29 12.37 12.38 12.67
After-Tax Return On Assets (%) 23.81 24.43 22.08 23.88 17.99 23.81
After-Tax Return On Net Worth (%) 54.87 56.18 50.86 55.03 40.19 54.87
After-Tax Return On Business Revenue (%) 5.07 5.41 5.00 4.89 4.57 5.07
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 2018q2
EBITDA: Business Revenue (%) 19.97% 7.11% 14.82% 16.93% 17.97% 50.77%
Pre-Tax Return On Assets (%) 34.83% 32.19% 31.77% 33.87% 30.80% 108.15%
Pre-Tax Return on Net Worth (%) 55.66% 51.98% 50.10% 53.90% 46.23% 144.69%
Pre-Tax Return on Business Revenue (%) 25.34% 11.09% 19.59% 21.86% 23.67% 67.01%
Discretionary Owner Earnings 2.43% -9.06% -1.60% -1.20% 0.81% 7.92%
After-Tax Return On Assets (%) 33.09% 29.74% 29.20% 27.36% 26.96% 101.78%
After-Tax Return On Net Worth (%) 53.70% 49.18% 47.12% 46.47% 41.91% 137.33%
After-Tax Return On Business Revenue (%) 23.66% 9.07% 17.37% 15.88% 20.26% 61.46%
Editable Comments (/750)

Financial Ratios: Efficiency

Industry

  2013 2014 2015 2016 2017 2018q2
Assets: Business Revenue 0.23 0.26 0.25 0.22 0.27 0.27
Days Inventory 7.99 9.24 10.04 9.08 10.80 10.79
Days Receivables 22.69 26.12 25.07 22.71 26.85 26.92
Current Asset Turnover 7.13 6.17 6.42 7.08 6.00 6.02
Fixed Asset Turnover (Business Revenue/Fixed Assets) 17.40 15.09 16.94 18.94 15.61 16.02
Gross Margin: Business Revenue 41.42 40.56 41.61 41.48 41.83 41.67
Sales Per Employee 191,044 190,429 189,197 187,568 191,301 195,329
Inventory Turnover 78.00 66.47 62.27 68.71 58.12 57.97
Receivables Turnover 16.09 13.97 14.56 16.07 13.59 13.56
Total Asset Turnover 4.36 3.80 4.01 4.45 3.73 3.76
Working Capital Turnover 14.32 12.18 13.06 14.13 12.05 11.94
Days Working Capital 25.48 29.96 27.95 25.83 30.30 30.56
Cash Turnover 16.95 14.50 15.91 17.53 14.91 15.04

Financial Ratios: Efficiency

Your Firm

  2013 2014 2015 2016 2017 2018q2
Assets: Business Revenue 0.21 0.22 0.23 0.20 0.25 0.21
Days Inventory 9.13 8.80 10.63 9.86 11.94 9.13
Days Receivables 21.79 22.66 23.49 21.37 26.13 21.79
Current Asset Turnover 7.45 7.13 6.87 7.54 6.19 7.45
Fixed Asset Turnover (Business Revenue/Fixed Assets) 19.45 18.62 19.45 21.77 17.10 19.45
Gross Margin: Business Revenue 42.43 36.99 41.05 41.50 42.43 42.43
Sales Per Employee 161,244 159,909 171,846 173,692 174,945 161,244
Inventory Turnover 69.43 65.85 58.24 63.28 53.09 69.43
Receivables Turnover 16.75 16.11 15.54 17.08 13.97 16.75
Total Asset Turnover 4.69 4.52 4.42 4.89 3.94 4.69
Working Capital Turnover 16.45 15.38 15.21 16.42 13.36 16.45
Days Working Capital 22.19 23.73 23.99 22.23 27.32 22.19
Cash Turnover 18.89 17.81 18.13 19.95 16.27 18.89
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 2018q2
Assets: Business Revenue -8.70% -15.38% -8.00% -9.09% -7.41% -22.22%
Days Inventory 14.27% -4.76% 5.88% 8.59% 10.56% -15.38%
Days Receivables -3.97% -13.25% -6.30% -5.90% -2.68% -19.06%
Current Asset Turnover 4.49% 15.56% 7.01% 6.50% 3.17% 23.75%
Fixed Asset Turnover (Business Revenue/Fixed Assets) 11.78% 23.39% 14.82% 14.94% 9.55% 21.41%
Gross Margin: Business Revenue 2.44% -8.80% -1.35% 0.05% 1.43% 1.82%
Sales Per Employee -15.60% -16.03% -9.17% -7.40% -8.55% -17.45%
Inventory Turnover -10.99% -0.93% -6.47% -7.90% -8.65% 19.77%
Receivables Turnover 4.10% 15.32% 6.73% 6.29% 2.80% 23.53%
Total Asset Turnover 7.57% 18.95% 10.22% 9.89% 5.63% 24.73%
Working Capital Turnover 14.87% 26.27% 16.46% 16.21% 10.87% 37.77%
Days Working Capital -12.91% -20.79% -14.17% -13.94% -9.83% -27.39%
Cash Turnover 11.45% 22.83% 13.95% 13.80% 9.12% 25.60%
Editable Comments (/750)

Financial Ratios: Debt-Risk

Industry

  2013 2014 2015 2016 2017 2018q2
Interest Coverage 17.13 21.28 18.56 17.59 15.81 13.63
Current Liabilities: Net Worth 0.61 0.61 0.64 0.63 0.62 0.61
Long-Term Liabilities: Net Worth 0.38 0.39 0.38 0.38 0.38 0.35
Loans-Notes Payable/Net Worth 0.10 0.10 0.11 0.11 0.11 0.11
Modified Z-Score 6.26 6.25 6.14 6.48 5.76 5.59
Total Liabilities: Net Worth 1.00 1.00 1.02 1.00 1.00 0.96
Fixed Assets: Net Worth 0.50 0.50 0.48 0.47 0.48 0.46

Financial Ratios: Debt-Risk

Your Firm

  2013 2014 2015 2016 2017 2018q2
Interest Coverage 18.26 22.29 19.59 18.54 16.77 18.26
Current Liabilities: Net Worth 0.79 0.78 0.81 0.81 0.76 0.79
Long-Term Liabilities: Net Worth 0.51 0.52 0.49 0.50 0.47 0.51
Loans-Notes Payable/Net Worth 0.13 0.13 0.14 0.14 0.13 0.13
Modified Z-Score 6.59 6.54 6.41 6.81 5.92 6.59
Total Liabilities: Net Worth 1.30 1.30 1.30 1.30 1.23 1.30
Fixed Assets: Net Worth 0.56 0.56 0.52 0.52 0.51 0.56
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 2018q2
Interest Coverage 6.60% 4.75% 5.55% 5.40% 6.07% 33.97%
Current Liabilities: Net Worth 29.51% 27.87% 26.56% 28.57% 22.58% 29.51%
Long-Term Liabilities: Net Worth 34.21% 33.33% 28.95% 31.58% 23.68% 45.71%
Loans-Notes Payable/Net Worth 30.00% 30.00% 27.27% 27.27% 18.18% 18.18%
Modified Z-Score 5.27% 4.64% 4.40% 5.09% 2.78% 17.89%
Total Liabilities: Net Worth 30.00% 30.00% 27.45% 30.00% 23.00% 35.42%
Fixed Assets: Net Worth 12.00% 12.00% 8.33% 10.64% 6.25% 21.74%
Editable Comments (/750)

Sources & Uses of Funds

Change In: 13-14 14-15 15-16 16-17
Cash & cash equivalents 1,481 4,892 -24,394 28,967
Worksheet:
Accounts Receivable 91 -10,941 26,791 -32,277
Inventory -399 -5,051 6,258 -7,543
Other Curr Assets 1,159 -4,473 3,182 -3,818
Net Fixed Assets -81 -2,345 23,997 -30,122
Other Non-Curr Assets 1,905 -6,661 14,071 -17,989
Accounts Payable 489 4,968 -14,834 16,841
Loans/Notes Payable 408 4,020 -5,777 5,851
Other current Liabilities -2,662 7,527 -12,139 14,295
Long-term debt 1,598 2,993 -18,599 22,824
Net Worth -1,027 14,855 -47,344 60,905
Total Sources & Uses 1,481 4,892 -24,394 28,967
Cash: Beginning Period 100,284 101,765 106,657 82,263
Cash: End Period 101,765 106,657 82,263 111,230
Change in Cash & Cash Equivalents 1,481 4,892 -24,394 28,967

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.