Kodi ndinu eni ake abizinesi? Mwina mukungoyamba kukopana ndi lingaliro loyambira mbali yanu ndipo mukufuna kumvetsetsa momwe mungapindulire. Kuwerengera chiŵerengero cha ngongole-to-equity ndi imodzi mwa njira zomveka bwino zodziwira thanzi la mtundu wanu. M'mawu osavuta, zimakuthandizani kuwunika chuma chanu poyerekeza ndi mangawa anu, koma koposa zonse, zimakupatsirani kuwunika kwachuma pa biz yanu. Ilinso ndi limodzi mwamafunso apamwamba omwe mungafunsidwe ndi osunga ndalama. Pano, tikuphwanya.
Kodi Ngongole ndi Equity Ratio ndi Chiyani?
Chiŵerengero cha ngongole-ku-equity-yomwe nthawi zambiri imatchedwa chiŵerengero cha D/E-imayang'ana ngongole yonse ya kampani (ngongole zilizonse kapena ndalama zomwe muli nazo) poyerekeza ndi zonse zomwe muli nazo (zinthu zomwe muli nazo).
Nambalayi idapangidwa kuti ifotokoze ngati kampani ili ndi kuthekera kobweza ngongole zake kapena ayi. Chiŵerengero chochepa cha D/E chimagwira ntchito m'malo mwanu-ndi chizindikiro chakuti ndinu okhazikika pazachuma ndipo muli ndi chuma chamkati chiyenera kupindula kapena chuma mwadzidzidzi. Kumbali inayi, chiŵerengero cha D/E kumbali yapamwamba (kapena yomwe ikukwera pang'onopang'ono) ikhoza kukhala chizindikiro kwa osunga ndalama kuti ngongole yanu imaposa mphamvu ya kampani yanu kupanga ndalama zake kapena kutembenuza phindu. M'mawu ena, bizinesi yanu imadalira ngongole kuti igwire ntchito. Izi makamaka ngati kampani yanu ndi yatsopano.
Kodi Ngongole N'chiyani?
Pankhaniyi, tikulankhula za ngongole zilizonse zomwe mudatenga kuti muyendetse bizinesi yanu. Tiyerekeze kuti muli ndi shopu yamaluwa ndipo munatenga ngongole yabizinesi yaying'ono kuti muthandizire kulipira mtengo wa wogwira ntchito wanthawi yochepa komanso gawo la lendi yanu. Chilichonse chomwe sichilipidwa kapena chomwe muli ndi ngongole ngati gawo la mtundu wanu (ngakhale ndalama zomwe mumabwereka kwa bwenzi zomwe mudzayenera kubweza) zimatengedwa ngati ngongole.
Kodi Equity N'chiyani?
Uwu ndiye mtengo wazinthu zakampani yanu (ndalama, katundu, zida) pambuyo mumachotsa ngongole iliyonse kapena ngongole. Za bizinesi yamaluwa ija…tiye tinene kuti mudagula malo anu ogulitsira ndi 0,000, ndi 0,000 pansi. Munayenera kutenga ngongole kubanki kuti mulipire 0,000 yotsalayo. Izi zimapangitsa kuti ngongole yanu yonse (pokhudzana ndi malo) 0,000 ndi ndalama zanu 0,000 (i.e. ili ndi gawo lomwe muli nalo, palibe zingwe). Kotero mu nkhani iyi, chiŵerengero ndi .67.
Kodi Ngongole Yabwino ya Equity Ratio Ndi Chiyani?
Kuti mudziwe izi, muyenera kudziwa bizinesi yanu. (Otsatsa omwe akuyang'ana mu chiŵerengero chanu cha D / E ayenera kudziwa bwino izi.) Mwachitsanzo, chiŵerengero cha D / E cha makampani a S&P 500 (monga Lowe's kapena Domino's Pizza) nthawi zambiri ndi 1.5. Koma osunga ndalama m'mafakitale azachuma amatha kuyembekezera chiŵerengero cha D/E chomwe chili 2.0 ndi kupitilira apo. Mabizinesi ang'onoang'ono kapena opangira ntchito-monga sitolo yamaluwa-mwinamwake amafuna chiŵerengero cha D/E chomwe chili 1.0 kapena kutsika, popeza ali ndi katundu wocheperako.
Zimakhala ngati m'diso la wowona. Mwachitsanzo, chiŵerengero chachikulu cha ngongole-to-equity chikhoza kukhala chovuta ngati chinachake chichitika (kutsika kwachuma, mwachitsanzo) kumene mwadzidzidzi simungathe kulipira ngongole kapena kusunga zomwe muli nazo. Mosiyana ndi izi, chiŵerengero chachikulu cha ngongole-to-equity akhoza kutanthauza mwayi wa kukula msanga. Pambuyo pake, tinene kuti mumagwiritsa ntchito ngongoleyi kuti muwonjezere bizinesi ndikuyambitsa njira yatsopano yopezera ndalama (utumiki watsopano wopereka maluwa, whoop!) Zomwe zingakhale ndi phindu lalikulu.
Kumbukirani kuti chiŵerengero chochepa cha ngongole-to-equity chingakhalebe chowopsa, ndipo kubweza kwa ndalama kumakhalanso kochepa. Komabe, makampani omwe ali ndi ngongole zochepa za ngongole sakhala pachiwopsezo cha kukwera kwachuma komanso kutsika kwachuma ndipo satha kuchita bizinesi.
Momwe Mungawerengere Ngongole Yanu-ku-Equity Ratio?
Njira yabwino yowerengera chiŵerengero chanu cha ngongole-to-equity ndikutsata equation iyi:
Ngongole-to-equity ratio = zanu zazifupi + ngongole zazitali / zogawana za eni ake
Kuti muwerenge kuchuluka kwa omwe akugawana nawo, muyenera kuyang'ana zonse zomwe muli nazo ndikuchotsa ngongole zanu. (Ganizirani za $ 150,000 yolipira-pansi ndi chitsanzo cha $ 100,000 ya ngongole.)
Ku Excel, mutha kuwerengera ngongole iliyonse (ngongole yanu, mabanki a kirediti kadi kapena mizere ina yangongole) mugawo limodzi. M'gawo lomwe lili pambali pake, onjezani ndalama zonse zomwe muli nazo (katundu kapena zida zomwe muli nazo, zopeza zomwe mwapeza kapena omwe omwe amagulitsa ndalama adalipira posinthanitsa ndi masheya akampani, ndi zina). Kenako, gawani selo ndi ngongole zanu ndi selo ndi ndalama zanu. Izi zidzakuthandizani kupanga chiŵerengero chanu cha ngongole-to-equity.
Koma kungakhale koyenera kubwereka katswiri kuti akuchitireni masamu ndikuwonetsetsa kuti mumaganiziranso kuchuluka kwa ngongole zomwe mungakhale nazo. (Izi zimachokera ku ngongole zazing'ono ndi zazitali ndi zobweza mpaka malipiro a chiwongoladzanja.) Zomwezo zimapitanso pakuwerengera katundu wanu, zomwe zingathe kusinthidwa bwino kwambiri.
Otsatsa amayang'ana kuwerengera uku kuti awone momwe bizinesi yanu ilili yowopsa, ndipo nambala iyi imagwiranso ntchito pakutha kubwereka ndalama zamtsogolo; Mabanki sakufuna kuti mukhale olemera kwambiri ndipo nthawi zambiri mumayika ndalama zomwe angakubwerekeni, kutengera ngongole yanu ya ngongole.
Momwe Mungagwiritsire Ntchito Ngongole Yanu Kuti Mutanthauzire Phindu
Mfundo yofunika kwambiri: Chiŵerengero cha ngongole-to-equity ndi chida chomwe eni mabizinesi ndi osunga ndalama amachigwiritsa ntchito powunika zomwe akufuna kuchita ndikupeza phindu. Zimakuthandizani kulosera za ngozi, makamaka momwe zimagwirira ntchito pamalingaliro amtundu wanu komanso momwe ndalama zanu zimakhalira. Ngati chiŵerengero chanu cha ngongole-to-equity ndi yapamwamba kuposa 1.0, zikhoza kukhala chizindikiro chakuti ndinu olemera kwambiri. Koma zikhoza kutanthauzanso kuti muli pachimake cha chinthu chachikulu. Zili ndi inu (ndi omwe akugulitsani) kuti musankhe.
Zogwirizana: Bizinesi Yanga Yamaluwa Ikuyamba, Koma Ine Ndikudzipezera Ndalama. Kodi Ndiyenera Kukhazikitsa LLC?
