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Sample Financial Statement Templates for Immediate Download

Sample Financial Statement and relevant Financial Analysis

Financial templates and forms includes financial analysis collection with over 860 financial templates, financial forms, financial charts and financial spreadsheets covering most economical sectors. It is a comprehensive collection of financial planning software, Sample financial statements, financial analysis,financial projection, financial budget, personal financing planning and personal financial statements. Also includes financial forecast software, balance sheet, income statement, cash flow, financial plans, retirement planning, and other accounting and financial templates.

Golden Package Golden Package

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Financial Analysis Financial Analysis

186 Forms
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Financial Planning Financial Planning

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Financial Projection Financial Projection

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Financial Statement Sample Financial Statements

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Personal Financial Statements Personal Financial Statements.

144 Forms
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Financial Analysis


Financial ratios are calculated mainly from a company's financial statements such as balance sheet and income statement. Financial ratios can give a financial analyst an excellent picture of a company's financial position and how the sales trends, profits trends, expenses trends are behaving and developing. A break-even analysis is a very effective tool in analyzing an entity since it shows you when you will start generating profits. Financial analysis can help managers analyzing, interpreting and evaluating the company's financial statements especially income statement and balance sheet by converting the financial data into useful, meaningful financial information.

Financial analysis groups and categorizes the ratios into different groups based on company's financials and operations. The main ratios groups are described below.

  • Leverage Ratios which can describe the extent that debt is used in a company's capital structure. To what extent the company's
    owners depends on borrowings? Leverage ratios include debt ratio, interest coverage ratio, debt to equity ratio and others.

  • Liquidity Ratios which describe company's short term financial structure or solvency. Liquidity ratios mainly compare current assets with
    current liabilities to ensure efficient financial structure. Liquidity ratios include quick ratio, current ratio and others.

  • Operational Ratios which use turnover measures to show how efficient a company is in utilizing is own assets. Operational ratios
    include accounts receivables turnover, inventory turnover and accounts payable turnover.

  • Profitability Ratios which depends on margin analysis and show the return on sales and capital invested. It includes gross profit ratio,
    net profit ratio, return on investment, return on equity and others.

  • Solvency Ratios which measure company's ability to generate cash flow and pay it financial obligations. To what extent the company
    can utilize its current assets to pay and settle its current debts and obligations.
Financial Statement

Recently, most countries adopted the International Financial Reporting Standards IFRS to prepare companies financial statements. Doing this will help unifying companies financial statements worldwide. There are four major financial statements requested to be disclosed by most countries regulations:
Income statement
The major purpose of income statements is to measure firm's operating performance. It describes all revenue sources generated by a firm and all related expenses during a specific period of time. Income statement shows the resulted net income which is equals revenues and gains minus expenses and losses. The primarily focus of this statement is to measure the profitability of the firm's operations over a specific period of time.
Balance sheet
The balance sheet can be described as a snapshot of a firm's financial position at specific period of time. It describes current assets, fixed assets, intangible assets, current liabilities, long term liabilities and owners equity. Total assets must equal total liabilities and owners equity.
Statement of cash flows
Cash flow statement provides financial information about cash inflows and cash outflows and reports the net cash flows during a specific period of time. It consists of three major business activities, operating, investing and financing. There are two major methods to calculate cash flow statement: direct method and indirect method.
Statement of owner's equity
It describes all needed information for the firm's owners including capital structures, new investments, owners' drawings and accumulated net income. Owners' equity equals total assets minus total liabilities.

Financial Projection

Companies that adopting the financial forecast can get many advantages such as: the company understand how its business works at a very basic level, forecasting is considered essential for corporate performance management, firms that forecast revenues, expenses and expenditures can react and behave more accurately and faster to meet business changes and are well prepared to take the advantages of the available opportunities in the market. Financial forecast can be conducted through the following techniques;

Quantitative techniques: quantitative techniques of forecasting are best used when changes are infrequent. Nowadays business conditions are changing rapidly so, quantitative techniques seems to be not appropriate. Examples of quantitative techniques are as follows; trend analysis, regression analysis (statistical approach) and percent of sales method.

Qualitative techniques: qualitative techniques of forecasting are best used when are working in a rapid business and changing improvements. Examples of qualitative techniques are as follows; surveys, interviews, market reports and articles.

Financial Planning

Financial planning provides many advantages to decision makers. It enables them decide based on reliable, accurate, precise and dependable financial data. Financial planning helps investors and decision makers to effectively utilize company's resources to achieve maximum benefits. Also financial planning enables mangers to conduct SWOT analysis by determining strengths, weaknesses, opportunities and threats. When managers develop an efficient planning tool it can be utilized as controlling tool by comparing actual results with planned results. Capital budgeting is considered one of the most effective tool in conducting financial planning, it provides information about all related expenditures that are expected to be consumed by the project in addition, it also provides information about all related revenues that are expected to generated by the project. The main evaluation techniques for certain projects are including payback period, discounted payback period, internal rate of return (IRR), net present value (NPV), index of present value, future value and others.

Personal Financial Statements

Personal financial statements help you tracking income and expenses, obligations and dues and determining the overall net worth. By conducting personal financial planning, you can plan for child's education, buying a car, wedding, vacations, managing portfolios, buying a house and retirement planning. Banks, financial institutions and most equity investors, looking for information not only about your business's financial position, but also about the personal financial position of the business's owners. When you are looking for financing for your business developments and investments, most banks and lenders will ask you to provide specific financial statements to evaluate your application. It is a good idea to provide your lender with as much information as possible when applying for a loan. Personal financial statements outline all the required information about your personal position, by describing your assets and liabilities and classifying your sources of income.


There is a certain body of know-how and skills that we must master.  Otherwise, we will be at a distinct disadvantage in operating a going concern.  Understanding the informational content of financial statements is one such area.  This note has been written in the hopes of providing a basic common body of knowledge in this regard.  We will first look at the format of the financial statements typically used in business.  Second, we will then use ratio analysis as a way to evaluate a company's financial position.

Think of financial statements as consisting of certain pieces of important information about the firm's operations that are reported in the form of (1) an income statement, (2) a balance sheet, and (3) a cash flow statement.  We will look at each of these statements in turn.

The Income Statement

The main elements of an income statement, or profit and loss statement as some call it, are shown in Exhibit 1. In this exhibit, we observe that the top part of the income statement, beginning with sales and continuing down through the operating income or earnings before interest and taxes, is affected solely by the firm's operating decisions.  These decisions involve such matters as sales, cost of goods sold, marketing expenses and general and administrative expenses.  However, no financing costs are included to this point.

Below the line reporting operating income, we see the results of the firm's financing decisions, along with the taxes that are due on the company's income.  Here the company's interest expense is shown, which is the direct result of the amount of debt borrowed and the interest rate charged by the lender (Interest expense = amount borrowed x interest rate).  The resulting profits before tax and the tax rates imposed on the company then determine the amount of the tax liability, or the income tax expense.  The final number, the net profits after taxes, is the income that may be distributed to the company's owners or reinvested in the company, provided of course there is cash available to do so.  (As we shall see later, merely because there are profits does not necessarily mean there is any cash - possibly a somewhat surprising fact to us, but one we shall come to understand.)


1.2   Investors and potential investors

The present investors want to decide whether they should hold the securities of the company or sell them.
Potential investors, on the other hand, want to know whether they should invest in the shares of the company or not.

Investors (Shareholders or owners) and potential investors, thus, make use of the financial statements to judge the present and future earning capacity of the business, to judge the operational efficiency of the business and to know the safety of investment and growth prospects.

Lenders/long term creditors
Financial statement helps lenders such as debenture holders, suppliers of loans and leases in ascertaining the long term and short term solvency of the business. They like to know the financial soundness of the business i.e. the ability of the business to repay debt on maturity and whether the enterprise earns sufficient profits so as to pay interest regularly.


Analysis of financial statements enable the management to evaluate the overall efficieny of the firm. It helps to ascertain the solvency of the enterprise; to know about its viability as a going concern and to provide adequate information for planning and controlling the affairs of the business. Future forecasts can easily be made by analyzing the past date.

Suppliers/short term creditors
Creditors/suppliers supplying goods to a business are interested to know as to whether the business would be in a position to pay the amounts on time. They are interested in short-term solvency i.e. the liquidity of the business.

They are more interested in current assets and current liabilities of the business. If current assets are sufficient, say, twice the current liabilities, they are satisfied that the business would be able to discharge the short-term debts on time.

Employees and Trade Unions
Employees are interested in better emoluments, bonus and continuance of business and whether the dues like provident fund, ESI et., have been deposited with the authorities.

They would therefore, like to know its financial performance and profitability and operating sustainability.

Government and its agencies
Financial statements are used by government and its agencies to formulate policies to regulate the activities of business, to formulate taxation policies, to compile national income accounts.




Taxation authorities such as income tax department use the financial statements for determination of income tax; sales tax department is interested in sales while the excise department is interested in production.

Stock exchange
Stock exchange uses the financial statements to analyze and thereafter, inform its members about the performance, financial health, etc. of the company, to see whether financial statements prepared are in conformity with the specified laws and rules and to see whether they safeguard the interest of various concerned agencies.

Other Regulatory authorities (such as, Company Law Board, SEBI, Stock Exchanges, Tax Authorities etc.) would like that the financial statements prepared are in conformity with the specified laws and rules, and are to safeguard the interest of various concerned agencies. For example, taxation authorities would be interested in ensuring proper assessment of tax liability of the enterprise as per the laws in force from time to time.
Customers are interested to ascertain continuance of an enterprise.
For example, an enterprise may be supplier of a particular type of consumer goods and in case it appears that the enterprise may not continue for a long time, the customer has to find an alternate source.


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