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eFinancialModels eFinancialModels offers a marketplace to share and sell industry specific financial model templates

eFinancialModels provides a marketplace to share and sell industry specific financial model templates and excel spreadsheets

Financial analysis is what turns raw numbers into an actual decision. Without it, a set of financial statements is just ...
16/10/2026

Financial analysis is what turns raw numbers into an actual decision. Without it, a set of financial statements is just a pile of figures. 📊

It is one discipline with three common uses:
• An investor asks: is this business worth buying into at this price?
• A lender asks: can this business repay what it borrows?
• A founder asks: where should we put money and effort next?

The questions differ, but the core method is the same. You look at performance (growth and margins), at financial strength (cash, debt and coverage) and at where the business is heading (forecast and assumptions).

An illustrative example: a company grows sales by 20% but its operating margin falls from 12% to 8%. Sales alone look healthy. Profit per unit of sales tells a different story, and that is what analysis catches.

A good analysis ends with a view: buy, lend, hold, change course. If it ends with a list of ratios and no conclusion, the work is not finished.

Which of the three are you most often analysing for: investing, lending or running a business?

You will find the full template on the eFinancialModels website.

The distribution side of an oil and gas business deserves the same rigor as the production side. Most valuation models a...
15/10/2026

The distribution side of an oil and gas business deserves the same rigor as the production side. Most valuation models are built for producers, so marketing and distribution businesses end up forced into the wrong structure.

The difference comes down to how they earn. A producer's value depends on reserves and commodity prices. A marketing and distribution business earns on margin per unit moved, volumes, working capital and contract terms. A DCF built for one will mislead you about the other.

An illustrative example: a business moving 100 units a month at a margin of 4 per unit makes 400 a month. If volumes fall 10%, margin has to rise by about 11% just to keep the same 400. Seeing that link in one model is what makes a forecast useful.

A sound model should have:
• Five years of actuals, so the forecast starts from reality.
• A full-year budget, so you can track plan against actual.
• A five-year forecast feeding a DCF that reflects margins, volumes and working capital.

Without that structure, the valuation tells you very little about the business you actually run.

Which drives your distribution value more: volume, margin or working capital?

You will find the full template on the eFinancialModels website.

Earning more feels like progress. Keeping more of what you earn is what actually builds wealth.Two people can have the s...
08/10/2026

Earning more feels like progress. Keeping more of what you earn is what actually builds wealth.

Two people can have the same income and end up in very different places, purely based on what they hold onto versus what slips through.

Worth asking yourself: what's your retention rate, not just your income?

Cash reserves aren't just a safety net - they're what let you actually move when the right moment shows up.Lower fixed c...
07/10/2026

Cash reserves aren't just a safety net - they're what let you actually move when the right moment shows up.

Lower fixed costs mean more room to choose. A strong balance sheet means you can act while others are still waiting to see what happens.

Build the liquidity first. The options follow.

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