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, auditor, rating agencies, debt instruments, and exchange/listing identifiers 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

## Credit Markets issuer metrics
- Facility type, amount, maturity, amortization, interest rate/spread
- Debt stack, liens, collateral, guarantors where disclosed
- Liquidity, revolver availability, covenant headroom
- Reported EBITDA, adjusted EBITDA, fixed charge coverage, DSCR
- Debt service, maturity wall, cash burn, tender/exchange offer terms
- Trading price, yield, spread, OID, recovery value, rating/outlook
- Structural priority, secured/unsecured mix, restricted group, issuer/guarantor scope

## 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

## Listed fund / manager metrics
- AUM/AUA, strategy, geography, sector/stage exposure, vehicle type
- NAV, premium/discount to NAV, market cap, fee-related earnings, management fee rate
- Flows, organic growth, performance, redemption/liquidity profile where disclosed
- Portfolio concentration, top holdings, leverage, dividend/distribution yield
- BDC or closed-end fund metrics: NAV per share, NII, debt/equity, non-accruals, realized/unrealized gains

## 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.

## Market, Ownership, And Index Metrics

Track market cap, enterprise value, float, ADV, turnover, index membership, benchmark weight, ETF holder base, passive ownership, short interest, borrow where sourced, factor exposure, beta, liquidity score, ownership concentration, governance signals, capital allocation, and key sector KPIs.

For public-equity investor tearsheets, also track top holders, free float, days-to-exit, sell-side coverage count/rating distribution when source-backed, consensus setup, borrow cost or availability when available, crowding read, buyback authorization, dividend/capital return posture, insider ownership/sales where relevant, and market-data as-of timestamp. Label each unavailable field as a source gap.