skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

Ratio calculators

Debt ratios

Debt ratio

The debt ratio gives an indication of the gearing level of your business.

Debt to income ratio

The debt to income ratio gives an indication of the sustainability of the debt load of your business.

Interest cover

The interest cover ratio gives an indication of the ability of your business to meet ongoing interest bills and therefore service debt.

Breakeven Analyser

The breakeven analysis calculator allows you to examine some of the critical profit drivers of your business including sales volume, average cost of production and the average sales price.

Learn more

Profitability ratios

Net profit margin

For a business to survive in the long term it must generate profit. Therefore the net profit margin ratio is one of the key performance indicators for your business.

Gross profit margin

The gross profit margin gives an indication of whether the average mark up on goods and services is sufficient to cover expenses and make profit.

Return on assets

The return on assets ratio indicates how effectively the assets of your business are working to generate profit.

Operating expenses to sales

The operating expenses to sales ratio gives an indication of the efficiency of the cost structure of your business.

Sales per employee

This ratio compares the dollar volume of sales against the total full time employee equivalent of people working in the business.

Liquidity ratios

Working capital

The working capital ratio can give an indication of the ability of your business to pay its bills.

Quick assets ratio

The quick assets ratio gives an indication of the level of liquid assets that can be used to meet short term liabilities.

Stock turnover

The stock turnover ratio indicates how quickly your business is turning over stock.

Debtor ageing ratio

The debtor ageing ratio indicates the average time it takes your business to collect its debts. It's worth looking at this ratio over a number of financial years to monitor performance trends.

Creditor ageing ratio

The creditor ageing ratio indicates the average time it takes for your business to pay its bills.

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.

ANZ recommends you read the applicable Terms and Conditions and the ANZ Financial Services Guide (PDF 334kB) before acquiring the product.

This page contains only general information which is subject to change and is not a substitute for commercial judgement or professional advice. This information does not take into account your personal and financial needs, particular objectives and/or circumstances, and you should seek appropriate independent advice (which may include property, legal, financial, taxation and accounting advice) before making any decisions, investing, or acting on it.

Tools, templates, checklists, and calculators (“ANZ Tools”) linked or referred to on this page, are only some of many ways to analyse a business or industry, or to assist your planning and business decision making. You should seek the assistance of your accountant, business or other advisor when either planning for or analysing your business.

To the extent permitted by law, all members of the ANZ group of companies, their employees, officers and contractors (“ANZ“), offer no warranty and disclaim liability or responsibility to any person for any actions, claims, costs, demands, liability, or direct or indirect losses or damage that may result from using or relying on the information set out in the anz.com pages or the ANZ Tools, and / or any act, omission or error, by any person in relation to them.  To the extent permitted by law, ANZ makes no warranty and has no liability in respect of your use and reliance. ANZ Tools are also subject in many cases to further specific cautionary wording and disclaimers which you should read.

ANZ tools, templates and checklists are only some of many ways to analyse a business or industry to assist your planning and business decision making. You should seek the assistance of your business advisor or accountant when either planning for or analysing your business' performance. To the extent permitted by law, ANZ makes no warranty and has no liability, in respect of your use of and reliance on these tools.