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Understand the three financial statements

Investors should not only ask whether a company is profitable, but whether profits convert to cash, whether the balance sheet is healthy, and whether growth requires continual leverage.

1. Income statement to read operating results

Revenue, gross profit, operating profit and net profit after tax describe results over a period. In analysis you should look at trends, gross‑margin composition and operating‑margin, not just select a single attractive EPS.

2. Balance sheet: assessing resilience

A balance sheet is a snapshot at a point in time. Cash, accounts receivable, inventory, short‑term liabilities and long‑term liabilities help you assess liquidity; when goodwill and intangible assets are a large proportion, you should further question acquisition and impairment risk.

3. Cash flow statement to assess quality

Operating cash flow reflects core cash generation from operations; investing cash flow often includes capital expenditures; financing cash flow shows borrowing, repayments, dividends and buybacks. Over the long term, persistent divergence between net income and operating cash flow should be investigated.

Free cash flow = Operating cash flow − Capital expenditures

4. Build the four‑question process

  1. Is revenue growth coming from price, volume, M&A, or one‑off factors?
  2. Do gross margin and operating margin show an interpretable trend?
  3. Are profits converted into cash, and does working capital consume cash?
  4. Do liabilities, interest and dilution dilute per‑share value?

After completing preliminary research, you can useDCF valuation scenario tooltest sensitivity of value to cash flow, growth rate and discount rate.

Financial risk disclaimer

This page, its calculators, and examples are for education, research, and scenario estimation only. They are not personalized investment, trading, betting, tax, legal, or financial advice. Markets and local rules can change quickly; verify current primary information and take responsibility for your decisions. Past performance, model outputs, and simulations do not guarantee future results.