Fintech Financial Model with Cohort Analysis (Excel XLSX)

The Fintech Business is becoming more popular as individuals and businesses are looking to utilize technology to ease their lives. It provides its customers with low-cost products and services that have digital access. This service's main advantage is saving the customers from the hassle and costs of banking services. We have created this Fintech Financial Model Template to get you started in your business planning process.

Introduction to our Fintech Financial Model
Fintech Excel Financial Model presents the business case of a brand-new start-up. The model contains the three financial statements, including the cash flows, and calculates the relevant metrics (Sensitivity Analysis, Break-even Analysis, Diagnostic Tools, Project evaluation, and Charts). The financing options for the project include a standard long-term loan and an investment made by the investors.

How to Use Fintech Financial Model Template
A quick overview of the Financial Model: in the contents tab, you can see the structure of the model, and by clicking on any of the headlines, you will be redirected to the relevant worksheet.
On the Input tab, you can feed the financial information for the model, such as sales price, cost, expenses, etc. Inputs are always depicted with a Peach fill and grey letters, while the call-up (direct links from other cells) are filled in grey with black notes, and calculations are depicted with white fill and black characters.

Tabs based on Calculations
The Revenue analysis is structured to perform calculations according to the inputs entered by the user. Calculations for Loan and Depreciation are present in the Monthly PnL, along with the operational expenses. The Yearly PnL tab aggregates the data in Monthly PnL in Years and provides Breakeven Analysis. The Cashflow and Balance Sheets follow the Income Statements.

Moving to the Project Valuation tab, a company valuation is performed using the free cash flows with discount rates to the firm; then, a series of investment metrics are presented (IRR, NPV, ROE).

In the sensitivity analysis tab, you can see a high-level report with the main business scenarios. It shows how the company's profit will look in case of any uncertainty. For example, how will the profit change if the cost or expenses increase by 10%?

Cohort Analysis Tab will help you analyze your Customer Lifetime Value and costs incurred to acquire these customers. In addition, its addition, it contains the CAC/CLV analysis.

Key Inputs of Fintech Excel Financial Model
The growth rate
Various prices and segmentation of revenue
Cost of Goods
Fixed Asset and Capital Expenditure.
Tax Rate
Investment table
Loan table
Key Features of Fintech Excel Financial Model
Input Sheet
This financial model template contains inputs that, when changed, impact the calculations. Therefore, the changes are applied to all relevant sheets. As a result, this economic model always has built-in flexibility to display different outcomes or final estimates based on this sheet's changes. This also helps in calculating future projections.

Startup Summary for Fintech Excel Financial Model
A start-up summary tab includes the total cost incurred at the start of business and capital expenditure, how much cash has been injected by the company so far, and based on the number of months, the amount of investment required is calculated.

A Startup Summary helps you take a realistic view of your idea and double-check whether the business has enough funds to support operations.

Monthly & Yearly Income Statement
The Fintech Excel Financial Model provides the monthly and yearly income statement structure and a framework for creating a full corporate forecasting model tailored to your business.

This integrated financial model is powerful since it enables the Financial Model user to change any assumption in one part of the statement. This is to see how it impacts all other parts of the words accurately and consistently. In addition, this feature helps in calculating future projections.

The monthly Income Statement sheet of the Fintech Excel Financial Model is perfect for those who require regular reporting and details. Gross and net earnings are linked with a revenue analysis sheet to ensure accurate reporting. Additionally, Income Statement contains all revenue streamlines. Oak Business Consultants understands every Fintech business's goal. Therefore, we have developed a mechanism that helps business owners determine whether they are making profits.

Furthermore, the Yearly Income Statement gives you complete insights into revenue and general & administrative expenses. The Yearly Income Statement also contains several graphs, assumptions, ratios, margins, net profit, earnings, cost of services, and profit after tax.

Balance Sheet for Fintech Excel Financial Model
This balance sheet enables you to analyze your position of current assets, fixed assets, liabilities, and equity. This also allows you to monitor your accounts receivable, accounts payable, accrued expenses, etc. Therefore, this specific financial model gives you the perfect space to analyze your critical financial balance accounts.

Cash Flow for Fintech Excel Financial Model
The Cash Flow Statement is the vital part of the three statements that report the cash spent and generated during a specific period. The Cash Flow Statements act as a bridge between the income statement and the balance sheet. It depicts how money moves in and out of business.

Three main sections of the Cash flow Statement:
Operating Activities: We have included all cash in and out related to the operations of the business
Investing Activities: Any cash from the disposal of an asset and acquisition and investments is included in this section linked to the inputs and fixed asset tab.
Financing Activities: We have separately made a loan-related tab where you can enter all loan-related information. The account is linked to the Financing Activities of Cash flow Statement.
The Cashflow Statement in our Model contains a dedicated sheet to monitor and analyze your company cash-ins and out. This cash flow statement is based on several key inputs, such as monthly and yearly income, capital expenditure, long-term debt, etc. This calculation computes your net cash flow and beginning and end cash balances. This is a perfect template for your company's cash flow management.

Break-Even Analysis
A break-even analysis can help you measure how different scenarios might play out financially. For example, if you increase the marketing budget or add another employee to the payroll, how many extra sales will be needed to recover that additional expense?

We have included a Break-even analysis of our Financial Model, which will help the user to determine sales. The break-even analysis will help you know the profits generated at the various sales levels. The Break-Even Analysis refers to your total sales contribution being fixed cost at zero profit and loss. This Technique is primarily based on marginal costing, which behaves differently at various levels of output activity.

Project Evaluation for Fintech Business
Since the table calculates Return on Investment, Investor's Future Equity Share, and Cash Burn Rate Analysis, analyzing the company's performance becomes easy to capture potential investors.

Cohort Analysis
Cohort Analysis is valuable for analyzing user retention and lifecycle management. The fintech business is majorly based on subscriptions, which means the revenue is highly dependent on the number of users. Hence, it becomes essential to analyze how long a customer avails services and what are their leaving patterns. This information can help the business to engage the customer at the right time to prevent them from leaving.

Dashboard
Users and readers respond and process visual graphs better than data. Furthermore, This dashboard provides a graphical management tool that enables you to track all your relevant financial KPIs, improve cash flow management, and track expenses, sales, and net revenue in detail to meet and outperform the financial objectives of your business.

Benefits of Fintech Excel Financial Model
Encapsulate Company Performance- The Fintech Excel Financial Model analysis simplifies a company's financial statements. It allows the user to express critical profitability and financial position information in just a few numbers. For example, the company's net profit margin encapsulates the net effect of a company's revenues and all expenses. It will enable the user to conclude a company's profitability without going through lengthy accounts statements.

Bottom Line – A Fintech Excel financial model can be the key to your company's better and informed future. Succeeding in planning your Company's finances well will mean overall success in making wise investment decisions, purchasing the right operating assets, controlling costs, and determining company valuation.

Accommodates Investors – This model provides valuation and performance analysis charts. It enables the investors and banks to determine the company's actual worth considering lending funds to your company.

Based on Financial Principles – We did in-depth research on the Fintech business model to create this financial model with logically correct financial and economic principles and assumptions.
Properly Integrated – The model assumptions and calculation have proper integration. So, the change in the main sheet will automatically lead to the change in all related sheets easily.

Visualization Tool – This Financial model also prepares a clear communication of the quantitative outcomes. As obtained by calculations via various graphs and charts. Therefore, the user does not need to pay much attention to the financial model's inner workings.