Calculate Financial Ratios
2025 Industry Benchmarks (Manufacturing)
| Ratio | Formula | Good | Average | Poor |
|---|
Compare your ratios to industry standards.
Financial Ratio Calculator 2025: Liquidity, Profitability, Solvency, Efficiency — Full Analysis
Financial ratios turn raw numbers into insights. Our financial ratio calculator computes 20+ ratios across liquidity, profitability, solvency, and efficiency — with 2025 benchmarks.
Lenders, investors, and managers use ratios to assess health, risk, and performance.
Key Ratio Categories
1. Liquidity Ratios
Can you pay short-term bills?
- Current Ratio = Current Assets ÷ Current Liabilities
- Quick Ratio = (Current Assets – Inventory) ÷ Current Liabilities
- Cash Ratio = Cash ÷ Current Liabilities
2. Profitability Ratios
How efficiently do you make money?
- Gross Margin = (Revenue – COGS) ÷ Revenue
- Operating Margin = Operating Income ÷ Revenue
- Net Margin = Net Income ÷ Revenue
- ROA = Net Income ÷ Total Assets
- ROE = Net Income ÷ Equity
3. Solvency Ratios
Can you survive long-term?
- Debt-to-Equity = Total Liabilities ÷ Equity
- Debt Ratio = Total Liabilities ÷ Total Assets
- Interest Coverage = EBIT ÷ Interest Expense
4. Efficiency Ratios
How well do you use assets?
- Inventory Turnover = COGS ÷ Avg Inventory
- Receivables Turnover = Revenue ÷ Avg Receivables
- Payables Turnover = COGS ÷ Avg Payables
- Asset Turnover = Revenue ÷ Total Assets
Why Ratios Matter in 2025
High interest rates, AI automation, and ESG scrutiny make ratios more critical than ever.
How to Use the Calculator
- Enter balance sheet and income statement items
- Click “Calculate” — see all ratios + color-coded health
- Compare to 2025 benchmarks
2025 Industry Benchmarks
| Ratio | Tech | Retail | Manufacturing |
|---|---|---|---|
| Current Ratio | 2.0–3.0 | 1.5–2.5 | 1.8–2.5 |
| Quick Ratio | 1.5+ | 0.8–1.5 | 1.0–1.8 |
| Debt-to-Equity | <1.0 | 1.0–2.0 | 0.5–1.5 |
| ROE | 15–25% | 10–20% | 8–15% |
| Inventory Turnover | 10–20x | 6–12x | 4–8x |
Improve Your Ratios
- Liquidity: Reduce inventory, collect receivables faster
- Profitability: Use COGS and gross margin tools
- Solvency: Pay down debt, retain earnings
- Efficiency: Automate, outsource
DuPont Analysis
ROE = Net Margin × Asset Turnover × Equity Multiplier
2025 Trends
- AI Ratios: Predictive liquidity
- ESG Scores: New sustainability ratios
- Real-Time Reporting: Daily ratios
- Zero-Debt Models: SaaS, fintech
Common Mistakes
- Using book vs market values
- Ignoring seasonality
- Comparing across industries
- Focusing on one ratio
Integrate with Other Tools
Conclusion: Ratios = Business Health Score
The financial ratio calculator is your dashboard. Track monthly. Benchmark quarterly. Improve annually.
In 2025, ratio-driven companies win funding, loans, and exits.
Not financial advice. Consult an accountant.
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