100+ SaaS Business Financial Ratios (Excel XLSX)

BENEFITS OF THIS EXCEL DOCUMENT

1. Provides a complete framework for analyzing, benchmarking, and optimizing SaaS financial performance across growth, profitability, cash flow, and valuation.
2. Delivers a structured, CFO-grade system of 150+ SaaS financial ratios to support investor reporting, strategic planning, and data-driven decision-making.
3. Enables founders, finance teams, and investors to accurately measure what matters, identify red flags early, and scale SaaS businesses with confidence.

SAAS EXCEL DESCRIPTION

This product (100+ SaaS Business Financial Ratios) is an Excel template (XLSX), which you can download immediately upon purchase.

Curated by McKinsey-trained Executives

🚀 150+ SaaS Business Financial Ratios Database – Ultimate Excel Template for SaaS Founders, CFOs & Investors

If you are searching for a SaaS Financial Ratios Database, SaaS metrics Excel template, or a complete SaaS KPI framework, this is the most comprehensive SaaS-focused financial ratios system available.

This 150+ SaaS Business Financial Ratios Database (Excel Template) is engineered for SaaS startups, scaleups, CFOs, VCs, private equity, FP&A teams, and M&A analysts who need precision, clarity, and decision-grade metrics—not generic finance fluff.

🔥 What You Get

Every single ratio listed below is included exactly as named and is fully documented with:

Ratio ID, Ratio Name, Category, Sub-Category, Industry Applicability, Lifecycle Stage, Primary Formula, Alternative Formula(s), Numerator Definition, Denominator Definition, Data Source(s), Accounting Basis, Time Period, What the Ratio Measures, Why It Matters, Management Question Answered, Directionality, Typical Healthy Range, Red Flag Threshold, Primary Use Case, Decision Type Supported, Stakeholders, Comparable Analysis Use, Key Assumptions, Common Misinterpretations, Limitations, Sensitivity Factors, Accounting or Industry Distortions

This is not just a list – it's a decision system.

📊 COMPLETE LIST OF INCLUDED RATIOS
Cluster 1: Profitability Ratios
1. Gross Margin
2. Operating Margin
3. Net Profit Margin
4. EBITDA Margin
5. Operating Income Margin
6. Return on Assets (ROA)
7. Return on Equity (ROE)
8. Return on Investment (ROI)
9. Contribution Margin
10. Earnings Per Share (EPS)

Cluster 2: Efficiency Ratios
11. Revenue per Employee
12. Days Sales Outstanding (DSO)
13. Days Payables Outstanding (DPO)
14. Inventory Turnover
15. Asset Turnover
16. Operating Cycle
17. Cash Conversion Cycle
18. Accounts Receivable Turnover
19. Accounts Payable Turnover
20. Cost per Acquisition (CPA)

Cluster 3: Liquidity Ratios
21. Current Ratio
22. Quick Ratio (Acid-Test Ratio)
23. Cash Ratio
24. Operating Cash Flow Ratio
25. Free Cash Flow Ratio
26. Working Capital
27. Cash Conversion Efficiency
28. Net Working Capital to Revenue
29. Quick Assets Ratio
30. Immediate Liquidity Ratio

Cluster 4: Growth Ratios
31. Revenue Growth Rate
32. Customer Growth Rate
33. Market Share Growth
34. Monthly Recurring Revenue (MRR) Growth
35. Annual Recurring Revenue (ARR) Growth
36. Net Revenue Retention (NRR)
37. Gross Revenue Retention (GRR)
38. Subscriber Growth Rate
39. Organic Growth Rate
40. Product or Service Expansion Rate

Cluster 5: Leverage Ratios
41. Debt-to-Equity Ratio
42. Debt-to-Asset Ratio
43. Debt-to-EBITDA Ratio
44. Debt Service Coverage Ratio (DSCR)
45. Financial Leverage
46. Interest Coverage Ratio
47. Net Debt to EBITDA
48. Total Debt to Equity
49. Debt Ratio
50. Long-Term Debt to Equity Ratio

Cluster 6: Efficiency & Productivity Ratios
51. Customer Acquisition Cost (CAC)
52. Customer Lifetime Value (CLTV)
53. CAC Payback Period
54. LTV/CAC Ratio
55. Churn Rate
56. Monthly Active Users (MAU)
57. Average Revenue per User (ARPU)
58. Annual Revenue per User (ARPU)
59. Customer Retention Rate
60. Customer Profitability Index

Cluster 7: Cash Flow Ratios
61. Operating Cash Flow (OCF)
62. Free Cash Flow (FCF)
63. Cash Flow per Share
64. Operating Cash Flow to Sales
65. Free Cash Flow to Sales
66. Cash Flow to Debt Ratio
67. Cash Flow Margin
68. Cash Flow Return on Investment (CFROI)
69. Free Cash Flow to Equity
70. Cash Flow per Employee

Cluster 8: Capital Efficiency Ratios
71. Capital Expenditure (CapEx)
72. CapEx to Sales Ratio
73. CapEx to Depreciation Ratio
74. Capital Return on Assets (CROA)
75. Return on Capital Employed (ROCE)
76. Fixed Asset Turnover
77. Gross Capital Expenditure Ratio
78. Capital Intensity
79. Capital Structure Ratio
80. Asset Coverage Ratio

Cluster 9: Market Performance Ratios
81. Price to Earnings (P/E) Ratio
82. Price to Sales (P/S) Ratio
83. Price to Book (P/B) Ratio
84. Market Cap to Revenue Ratio
85. Market Capitalization
86. Enterprise Value (EV)
87. Enterprise Value to EBITDA (EV/EBITDA)
88. Price to Cash Flow Ratio
89. Dividend Payout Ratio
90. Dividend Yield

Cluster 10: Risk & Solvency Ratios
91. Altman Z-Score
92. Credit Risk Ratio
93. Beta Coefficient
94. Risk-Adjusted Return on Capital
95. Coverage Ratio
96. Default Probability
97. Loan to Value Ratio (LTV)
98. Asset Default Probability
99. Solvency Ratio
100. Liquidity Risk Ratio

Cluster 11: Customer-Focused Ratios
101. Average Revenue per Account (ARPA)
102. Customer Satisfaction Score (CSAT)
103. Net Promoter Score (NPS)
104. Customer Engagement Rate
105. Customer Support Cost Ratio
106. Retention Cost per Customer
107. Customer Acquisition Cost to LTV Ratio
108. Trial Conversion Rate
109. Active User Growth Rate
110. Referral Rate

Cluster 12: Revenue & Profitability Ratios
111. Recurring Revenue Ratio
112. Gross Profit Per User
113. Total Contract Value (TCV)
114. Monthly Recurring Revenue (MRR) per Customer
115. ARR per User
116. Net Revenue per User
117. Subscription Profit Margin
118. Churned Revenue
119. Customer Contribution Margin
120. Profit per Customer

Cluster 13: Operating Ratios
121. Operating Profit Per Employee
122. Average Revenue per Employee
123. Operating Expenses to Revenue
124. Administrative Expense Ratio
125. Research & Development Expense Ratio
126. Sales & Marketing Expense Ratio
127. General & Administrative Expense Ratio
128. Total Operating Expenses Ratio
129. EBITDA to Revenue Ratio
130. Cost of Goods Sold (COGS) Ratio

Cluster 14: SaaS-Specific Ratios
131. Monthly Recurring Revenue (MRR)
132. Annual Recurring Revenue (ARR)
133. Customer Churn Rate
134. Customer Retention Rate
135. Customer Lifetime Value (CLTV)
136. Revenue Retention Rate
137. New Customer Growth
138. Existing Customer Revenue Growth
139. Expansion Revenue
140. Net New ARR

Cluster 15: Investment & Valuation Ratios
141. Internal Rate of Return (IRR)
142. Return on Investment (ROI)
143. Earnings Before Tax (EBT)
144. Economic Value Added (EVA)
145. Valuation Multiple
146. Cost of Capital
147. Discounted Cash Flow (DCF)
148. Residual Income
149. Market Value Added (MVA)
150. Investment Turnover Ratio

💼 Why This SaaS Financial Ratios Excel Template Wins
✅ Built specifically for SaaS business models
✅ Investor-grade, CFO-ready, board-ready
✅ Perfect for fundraising, valuation, benchmarking, FP&A, and M&A
✅ Eliminates metric misuse and KPI confusion
✅ Scales from early-stage SaaS to enterprise SaaS


🎯 Bottom Line

If you want total control over SaaS financial performance, clean metrics, and decision-ready insights, this 150+ SaaS Business Financial Ratios Database (Excel Template) is not optional – it's essential.

📈 Measure smarter. Explain better. Decide faster. Win harder.



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Source: Best Practices in SaaS Excel: 100+ SaaS Business Financial Ratios Excel (XLSX) Spreadsheet, SB Consulting