| KPI | Target | Warning Sign |
|---|---|---|
| Gross Profit Margin | 25–40% | Below 20% |
| Net Profit Margin | 8–15% | Below 5% |
| Current Ratio | 1.5–2.0 | Below 1.0 |
| Debtor Days | Under 45 days | Above 90 days |
| EBITDA Margin | 12–20% | Below 8% |
| ROCE | Above 15% | Below 10% |
Track these monthly using our free P&L Calculator. For loan applications, banks primarily check current ratio, DSCR (Debt Service Coverage Ratio), and PAT (Profit After Tax).
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