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Glossary

Term Definition
Revenue Total value of sales during a period, before any costs are deducted.
COGS (Cost of Goods Sold) The direct cost tied to producing or purchasing whatever was sold.
Gross Profit Revenue minus COGS — measures profitability before operating expenses.
Opex (Operating Expenses) The costs of running the business day to day (salaries, rent, marketing…), excluding COGS.
EBIT Earnings before interest and taxes — measures core operating profitability regardless of financing.
EBT Earnings before tax, after deducting interest expense.
Net Income The final bottom-line profit after all expenses and taxes — the starting point of the cash flow statement.
Depreciation The allocation of a fixed asset’s cost over its useful life; a non-cash accounting expense.
Capex (Capital Expenditures) Spending on acquiring or upgrading fixed assets (equipment, buildings…).
Working Capital The difference between current assets and current liabilities; reflects day-to-day operating liquidity needs.
Retained Earnings The accumulation of undistributed profits over time; part of shareholders’ equity.
Balance Sheet A snapshot of assets, liabilities, and equity at a specific point in time.
Cash Flow Statement Tracks actual cash moving in and out, split into operating, investing, and financing activities.
Dividends A portion of net income distributed to shareholders in cash.