Financial Ratios

Overview

By leveraging our normalized data, our financial institutions can access auto-calculated metrics and ratios to assess the financial performance of their businesses. Forget the paperwork or manual entry — expanded financial ratios allow for quick access to insights on your business customers.

How it Works?

The /financialRatios endpoint gives Railz's customers the ability to generate insights and make better-informed decisions.

Railz currently provides the following financial ratios based on the normalized financial statements:

Credit Ratios

  • Distance to Default
  • Probability of Default
  • Liquidation Value

Efficiency Ratios

  • Gross Burn Rate

Leverage Ratios

  • Equity to Long-Term Material Assets
  • Short-term Debt to Equity
  • Debt to Equity
  • Interest Coverage Ratio
  • Debt to Asset Ratio
  • Debt Service Coverage Ratio
  • Interest Charges to Bank Loans

Liquidity Ratios

  • Acid Test Ratio (Quick Ratio)
  • Absolute Liquidity
  • Current Ratio
  • Gross Burn
  • Runway
  • Cash Ratio
  • Free Cashflow Ratio

Profitability Ratios

  • Return on Assets
  • EBITDA
  • EBITDA Margin
  • Working Capital
  • Free Cash Flow
  • Gross Margin
  • Net Profit Margin
  • Operating Margin
  • Return on Equity
  • Revenue Concentration

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See the Financial Ratios data model and API documentation for more details.

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Missing Financial Ratios?

  • Some financial ratios might not always be available or returned for a business.
  • Financial ratios are calculated based on our normalized financial statements (balance sheet, income statement and cashflow statement).
  • A missing financial statement for a reporting period (e.g. due to no cashflow activity during that period), will result in an incomplete set of financial ratios.

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