skills/company-tearsheet/references/metric-library.md

# Metric Library and Sector Overlays

Use this as a starter checklist, not a mandatory field list. Only include metrics that are relevant and source-backed.

## Universal identifiers
- Legal name, common name, ticker, exchange, CIK/LEI/ISIN/CUSIP if relevant.
- HQ, founded year, employee count, ownership, parent/subsidiaries, fiscal year-end.
- Sector, sub-sector, NAICS/SIC/GICS when useful.
- Management, sponsor/owner, auditor, rating agencies, lender group if relevant.

## Universal financial metrics
- Revenue / net sales
- Gross profit and gross margin
- EBITDA / adjusted EBITDA / operating income
- EBITDA margin / operating margin
- Net income / EPS
- Capex
- Free cash flow / operating cash flow
- Cash and equivalents
- Debt / net debt / lease liabilities if relevant
- Net leverage / gross leverage
- Interest expense / coverage
- Market cap / enterprise value / valuation, if source-backed

## Deal and private-market metrics
- LTM revenue, LTM EBITDA, adjusted EBITDA, pro forma EBITDA
- Revenue growth, EBITDA growth, margin trend
- NWC, NWC peg, cash conversion, AR/AP days
- Customer concentration, logo retention, net retention, gross retention
- Backlog, pipeline, bookings, ARR, ACV, churn
- Purchase price, valuation ask, entry multiple, debt package, sponsor equity
- Add-backs, one-offs, run-rate adjustments, QoE flags

## Credit / borrower metrics
- Facility type, amount, maturity, amortization, interest rate/spread
- Debt stack, liens, collateral, guarantors
- Liquidity, revolver availability, covenant headroom
- EBITDA add-backs, lender EBITDA, fixed charge coverage, DSCR
- Debt service, maturity wall, cash burn, borrowing base
- Asset coverage, receivables/inventory quality, concentration limits

## Public-market metrics
- Share price/date, market cap, EV, float, short interest where relevant
- LTM/NTM revenue, EBITDA, EPS, FCF, margins
- Guidance, consensus estimates, revisions, surprise history
- Segment mix, geographic mix, KPI trends
- Valuation multiples: EV/Sales, EV/EBITDA, P/E, P/FCF, P/B as relevant
- Recent earnings/catalysts, rating/price target context if source-backed

## Fund / manager metrics
- AUM, fund size, vintage, strategy, geography, sector/stage exposure
- Gross/net IRR, TVPI, DPI, RVPI, MOIC, PME where available
- Deployment pace, reserves, dry powder, number of investments
- Portfolio concentration, top holdings, exits, write-offs
- Fees, carry, hurdle, GP commitment when available

## Sector overlays

### SaaS / software
ARR, net revenue retention, gross retention, churn, CAC, LTV, payback, Rule of 40, gross margin, sales efficiency, bookings, billings, RPO, ACV, logo count.

### Marketplace / transaction
GMV/GTV, take rate, active buyers/sellers, order volume, AOV, contribution margin, cohort retention, liquidity metrics.

### Banks / financial institutions
Loans, deposits, NIM, NII, fee income, CET1, leverage ratio, ROA, ROE, NPLs, charge-offs, reserve coverage, AUM/AUA.

### Insurance
Premiums, combined ratio, loss ratio, expense ratio, reserves, investment income, book value, RBC, policy count.

### REITs / real estate
NOI, same-store NOI, occupancy, rent spreads, AFFO/FFO, cap rate, NAV, debt yield, lease rollover, WALE.

### Energy / E&P
Production, reserves, realized price, lifting cost, decline rate, capex, free cash flow, hedges, acreage, proved reserves.

### Healthcare / biotech
Pipeline stage, trial readouts, patient population, TAM, cash runway, R&D spend, regulatory milestones, reimbursement exposure.

### Retail / restaurants / consumer
Same-store sales, traffic, ticket, store count, unit economics, gross margin, inventory turns, loyalty/users, channel mix.

### Industrial / manufacturing
Volume, price/mix, backlog, book-to-bill, capacity, utilization, input costs, working capital, capex, supply chain exposure.

### Media / telecom / internet
Subscribers, ARPU, churn, engagement, ad revenue, MAUs/DAUs, content spend, broadband/net adds, spectrum/debt if relevant.