Free Business Tool

Financial Ratio Calculator

Assess business creditworthiness with 11 key financial ratios — liquidity, leverage, profitability and debt service coverage — powered by Cred-it-data.

Registered Credit Bureau · NCRCB25

Enter Financial Data

Enter figures in any consistent currency. Annual figures recommended. Fields marked * are required.

Please complete all required fields marked with *.

Business / Entity Name

Financial Period

Current Assets *

Cash, receivables, inventory and other short-term assets

Inventory (within Current Assets)

Leave blank if not applicable (e.g. service business)

Current Liabilities *

Total Assets *

Total Debt (interest-bearing) *

Loans, bonds, finance leases — not trade payables

Total Equity *

Revenue / Turnover *

Cost of Goods Sold (COGS)

Required for Gross Profit Margin

EBIT (Earnings Before Interest & Tax)

Required for Interest Coverage ratio

Interest Expense

Net Income (Profit After Tax) *

Net Operating Income (NOI)

Revenue less operating expenses (before interest & tax)

Total Annual Debt Service

Annual principal repayments + interest payments

Disclaimer: This tool provides indicative results only and does not constitute financial advice or a formal credit assessment. Ratios should be interpreted in the context of the entity’s industry, size, and economic environment. Cred-it-data is a registered credit bureau (NCRCB25) and a member of the Credit Bureau Association. For comprehensive credit vetting, sign up free at creditdata.co.za.