Credit Analysis Platform

Structured underwriting workflow

Procter & Gamble

Financial Review

Review extracted data, override values, and validate before ratio calculation

Validation Warnings

1 warnings
3 info
Warning

Balance sheet incomplete for FY2023: missing components to verify Assets = L + E.

Info
loc_availability

Undrawn credit facility not provided for FY2023. Liquidity analysis may be incomplete.

Info
loc_availability

Undrawn credit facility not provided for FY2024. Liquidity analysis may be incomplete.

Info
loc_availability

Undrawn credit facility not provided for FY2025. Liquidity analysis may be incomplete.

Line Item
FY2023
audited · annual
FY2024
audited · annual
FY2025
audited · annual
Income Statement
Revenue82,006,000,00084,039,000,00084,284,000,000
Cost of Revenue42,760,000,00040,848,000,00041,164,000,000
Cost of Revenue Depreciation
Gross Profit39,246,000,00043,191,000,00043,120,000,000
SG&A21,112,000,00023,305,000,00022,669,000,000
D&A
Other OpEx01,341,000,0000
Operating Income (EBIT)18,134,000,00018,545,000,00020,451,000,000
Interest Expense-756,000,000-925,000,000-907,000,000
Interest Income307,000,000473,000,000469,000,000
Other Financial Gains / Losses
Other Non-Operating Gains / Losses668,000,000668,000,000154,000,000
Other Non-Recurring Gains / Losses
Income Before Tax18,134,000,00018,545,000,00020,451,000,000
Taxes (Benefit)3,615,000,0003,787,000,0004,102,000,000
Net Income14,519,000,00014,758,000,00016,349,000,000
Profit / Loss – Minorities85,000,00095,000,00091,000,000
EBITDA16,403,000,00016,479,000,00018,921,000,000
Balance Sheet
Current Assets
Cash & Equivalents9,482,000,0009,556,000,000
Net Receivables6,118,000,0006,185,000,000
Inventories7,016,000,0007,551,000,000
Due from Related Party (CP)
Other Current Assets2,095,000,0002,100,000,000
Total Current Assets24,711,000,00025,392,000,000
Non-Current Assets
Net PP&E22,152,000,00023,897,000,000
ROU Operating Lease
Investments in Associates
Other Investments
Goodwill40,303,000,00041,650,000,000
Other Intangibles22,047,000,00021,910,000,000
Deferred Tax Asset
Other Assets13,158,000,00012,381,000,000
Due from Related Party (NC)
Assets Held for Sale
Total Non-Current Assets97,660,000,00099,838,000,000
Total Assets122,371,000,000125,230,000,000
Current Liabilities
Accounts Payable & Accrued26,437,000,00026,545,000,000
CP Debt + Fin Leasesdebt7,191,000,0009,513,000,000
Revolver CP Debt
Operating Lease (CP)
CP Related Debt
Other Current Liabilities
Other RP Current Liabilities
Deposits / Unearned Revenue
Total Current Liabilities33,628,000,00036,058,000,000
Non-Current Liabilities
LT Debt + Fin Leasesdebt25,269,000,00024,995,000,000
Operating Lease (NC)
Related Party NC Debt
Deferred Tax Liability6,516,000,0005,774,000,000
Long-Term Provisions
Post-Retirement Liabilities
Other NC Liabilities6,398,000,0006,120,000,000
Other RP NC Liabilities
Liabilities Held for Sale
Total Non-Current Liabilities38,183,000,00036,889,000,000
Total Liabilities71,811,000,00072,947,000,000
Equity
Equity – Group Share50,287,000,00052,012,000,000
Minority Interests273,000,000271,000,000
Total Equity50,560,000,00052,283,000,000
Total Liabilities & Equity122,371,000,000125,230,000,000
Cash Flow Statement
Cash from Operations16,848,000,00019,846,000,00017,817,000,000
Depreciation (CF)2,714,000,0002,896,000,0002,847,000,000
CF Investing-3,500,000,000-3,504,000,000-3,818,000,000
CapExnegative = spending-3,062,000,000-3,322,000,000-3,773,000,000
CF Financing-12,146,000,000-14,855,000,000-14,036,000,000
Proceeds – Equipment Sale46,000,000346,000,000107,000,000
Cash Interest Expense721,000,000878,000,000896,000,000
Cash Taxes4,278,000,0004,363,000,0004,554,000,000
Operating Lease PMT
Dividends / Owner Distributions-8,999,000,000-9,312,000,000-9,872,000,000
LOC Availability
EBITDA Adjustments545,000,000562,000,000476,000,000

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