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Linking the Budget to the Balanced Scorecard

For the most part, traditional budgeting has focused on the financial performance of an organization. However, many of these financial performance measures, designed to indicate the success of budget plans in contributing to increasing profits, were developed for an industrial world. Times have changed, and new ways of approaching planning and performance evaluation have changed as well. With information technology and global markets becoming the model for the modern business environment and as nonprofit organizations grow in size and sophistication, organizations have to recognize and value their intangible and intellectual assets as well as the tangible assets represented in numbers on the balance sheet. The balanced scorecard is a way for managers to view the organization from four interrelated perspectives of operational drivers for future performance: Financial perspective: How are we doing using traditional financial performance measures? How do shareholders view...
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Variance in Budgeting

Comparisons of actual to budgeted results allows you to consider whether corrective action is needed. The difference between the actual results and budgeted results is called the variance . The variance can be favorable, when the actual results are better than expected—or unfavorable, when the actual results are worse than expected. Unfavorable variances require corrective action so that future results will be closer to budget. If you cannot affect a particular expense or revenue item, you may be able to compensate by taking action that will cause an offsetting variance in other budget line items. Sometimes variances are artificially created—for example, if the company's accounting software automatically spreads line item expenses over a 12-month period and the actual expenditure only occurs once a year, you will have a favorable variance in some months and an unfavorable variance in others.

Sensitivity Analysis

"What-if" scenarios A budget is an action plan based on the best available information and assumptions for the future. Performing sensitivity analysis to test those assumptions or alternative options can greatly enhance the value of budgets as tools for planning and for feedback and course correction. A sensitivity analysis applies a "what-if" situation to the budget model to see the effect of the potential change on the original data. For example, what if the cost of materials rises 5% or what if sales rise 10%? Calculations for sensitivity analysis can be complicated when dealing with a master budget that has summarized multiple divisional and/or functional budgets. Software packages for financial planning models are available and commonly used to perform these calculations, giving managers a powerful tool to determine the costs and benefits of various options and possibilities. Using scenario analysis software, you can quickly see the potential im...

Other ways to assess financial health

Beyond profitability, operating, leverage ratios, and valuation - other ways of evaluating the financial health of a company include Economic Value Added (EVA), and assessing growth and productivity. Like the ratios described above, all of these measures are most meaningful when compared against the same measures for other companies in that particular industry. Economic value added (EVA) : This concept was introduced as a way to induce employees to think like shareholders and owners. It is the profit left over after the company has met the Cost of Capital—the expectations of those who provided the capital. (Another way to describe Cost of Capital is that it is the weighted cost average to the company of acquiring debt and equity financing.)   Productivity measures : Sales-per-employee and net-income-per-employee measures link revenue and profit generation information to work force data. In so doing, they help you assess employees' effectiveness in producing sales an...

Leverage ratios

Leverage has to do with a company's debt structure: the greater the component of long-term debt in the overall debt structure, the greater the financial leverage . The following measures help you determine whether your company's level of debt is appropriate and assess its ability to pay the interest on its debts. Interest coverage : This measures a company's margin of safety: how many times over the company can make its interest payments. To calculate interest coverage, divide earnings before interest and taxes by the interest expense. Debt to equity : This measure provides a description of how well the company is making use of borrowed money to enhance the return on owner's equity. To calculate the debt-to-equity ratio, divide total debt (long-term debt plus short-term debt plus current maturities) by total shareholders' equity.

Valuation

Wall Street investors and stock analysts scrutinize a company's financial statements and stock performance carefully in order to arrive at what they believe to be a realistic estimate of that company's value. Since a share of stock denotes ownership of a part of the company, analysts are interested in knowing whether the market price of that share is a good deal relative to the underlying value of the piece of the company the share represents. Wall Street uses various means of valuation, that is, of assessing a company's financial performance in relation to its stock price. Earnings per share (EPS) : EPS equals net income divided by the number of shares outstanding. This is one of the most commonly watched indicators of a company's financial performance. If it falls, it will likely take the stock's price down with it. Price-to-earnings ratio (PE) : The PE ratio is the current price of a share of stock divided by the previous 12 months' earnings per...

Operating ratios

By linking various income statement and balance sheet figures, these measures provide an assessment of a company's operating efficiency. Asset turnover : This shows how efficiently a company uses its assets. To calculate asset turnover, divide sales by assets. The higher the number, the better. Days receivables : It's best to collect on receivables promptly. This measure tells you in concrete terms how long it actually takes a company to collect what it's owed. A company that takes 45 days to collect its receivables will need significantly more working capital than one that takes four days to collect. To calculate days receivables, divide net accounts receivable for the given time period by net sales, then multiply that quotient by 365 . Days payables : This measure tells you how many days it takes a company to pay its suppliers. The fewer the days it takes, the less likely the company is to default on its obligations. To calculate days payables, divide accou...