Financial Metrics

The Financial Metrics section provides a structured view of your organization's financial health. It is designed around 20 standard metrics that cover the key indicators any executive team needs to monitor.

The 20 Standard Metrics

RWRD comes with 20 pre-defined financial metrics, organized into six categories. These metrics can be hidden but not deleted -- they form the backbone of your financial monitoring.

Profit (5 metrics)

Metric	Formula	What It Tells You
Total Revenue	Total sales from income statement	Your top line -- the foundation of all financial analysis
Net Income	Bottom line from income statement	Actual profit after all expenses, taxes, and costs
Net Profit Margin	(Net Income / Revenue) x 100	How much profit you keep from each dollar of revenue
Operating Margin	(Operating Income / Revenue) x 100	How efficiently your core business operates
Gross Margin	(Gross Profit / Revenue) x 100	Your pricing power and production efficiency

Cash (2 metrics)

Metric	Formula	What It Tells You
Cash & Cash Equivalents	Balance sheet line item	Your company's lifeline -- liquid assets on hand
Cash from Operations	Cash flow statement line item	Whether your business generates cash from day-to-day operations

Growth (4 metrics)

Metric	Formula	What It Tells You
Revenue Growth (YoY)	(Current / Prior Year Revenue - 1) x 100	True growth trajectory with seasonal variations removed
Earnings per Share (EPS)	Net Income / Weighted Average Shares	Profitability per share -- the most watched investor metric
Net Income Growth (YoY)	(Current / Prior Year Net Income - 1) x 100	Whether you are scaling efficiently
ARR Growth	(Current / Prior Year ARR - 1) x 100	Recurring revenue momentum (SaaS companies only)

Assets (3 metrics)

Metric	Formula	What It Tells You
Total Assets	Balance sheet line item	Resources at your disposal to generate revenue
Return on Assets (ROA)	(Net Income / Total Assets) x 100	How effectively you convert assets into profit
Equity Ratio	(Total Equity / Total Assets) x 100	Financial stability -- the proportion of assets financed by equity

Efficiency (4 metrics)

Metric	Formula	What It Tells You
R&D Intensity	(R&D Expense / Revenue) x 100	Investment in future innovation
Rule of 40	Revenue Growth % + Profit Margin %	Balance of growth and profitability (SaaS benchmark)
Burn Multiple	Net Burn / Net New ARR	Cash efficiency of growth (SaaS companies only)
Magic Number	Quarterly ARR Growth x 4 / Prior Qtr S&M Spend	Sales and marketing efficiency (SaaS companies only)

Liquidity (2 metrics)

Metric	Formula	What It Tells You
Current Ratio	Current Assets / Current Liabilities	Ability to pay short-term obligations (above 1.0 is healthy)
Quick Ratio	(Current Assets - Inventory) / Current Liabilities	Stress test for liquidity, excluding inventory

Metrics marked "SaaS companies only" (ARR Growth, Rule of 40, Burn Multiple, Magic Number) are automatically hidden for non-technology companies during onboarding, but can be manually restored.

Baseline vs Current Values

Every financial metric has two value layers:

• Baseline Value -- The historical reference value extracted during onboarding from your SEC filing or uploaded financial document. This represents data from the most recent completed fiscal year. Baseline values are not editable from the dashboard -- they serve as your starting reference point.

• Current Value -- The real-time value that you enter and update. This is what the dashboard uses for RAG status calculation, Health Score computation, and trend analysis.

When a metric is in baseline mode (current value has not yet been set), the metric card displays:

• A gray/muted visual treatment
• A "Baseline" label next to the extracted value
• A "Click to update" call-to-action

When you click the card and save a current value, the metric transitions to active mode and the card displays in full color with RAG status coloring.

Viewing Metrics

Financial metrics are displayed in a grid of cards. Each card shows:

• Metric name at the top
• Current value displayed prominently, formatted according to the metric's unit (currency with compact notation for large numbers, percentage with 1 decimal place, or pure ratio with 2 decimal places). The value is colored according to its RAG status (green, yellow, or red) when a target has been confirmed.
• Progress bar showing the percentage of target achieved
• Target value -- e.g., "Target: 25%" or "Target: Not set" if no target has been confirmed
• Industry benchmark -- When available for your selected industry, a small benchmark indicator appears (e.g., "Industry: 8%")
• Update status badge -- Shows whether the metric is up to date, due soon, or overdue based on its configured update frequency

Category filtering: Above the metric grid, category tabs let you filter by: All, Cash, Profit, Assets, Growth, Efficiency, or Liquidity.

Reporting period: The first time you view the financial section in active mode, RWRD prompts you to set your current reporting period (e.g., "Q1 2026"). This period is inherited by all metric updates, so you only set it once.

Editing a Metric

Click any metric card to open the Financial Metric Modal. This modal provides a comprehensive editing interface:

Header area:

• Metric name with a RAG-colored status dot (live preview that updates as you change values)
• A "Not tracked" pill when the target has not been confirmed

Value and target section:

• Current Value -- Enter or update the current metric value
• Annual Target -- The target for the full year
• Quarterly Targets -- Optional per-quarter breakdown (Q1, Q2, Q3, Q4). When set, the quarterly target for the current period takes precedence over the pro-rated annual target.
• Target Type -- Choose between "Cumulative" (target is prorated by quarter, so Q2 target = 50% of annual) or "Point-in-Time" (the full annual target applies every quarter)

Period tracking:

• Current period (Q1-Q4) and year
• The modal calculates progress as: (Current Value / Target for Period) x 100

Additional fields:

• Description -- Explanation of what the metric measures
• Formula -- How the metric is calculated
• Category -- Financial category assignment (Profit, Cash, Growth, etc.)
• Statement Type -- Which financial statement the metric belongs to (Income, Balance, Cash Flow)
• Update Frequency -- How often this metric should be refreshed (Weekly, Monthly, Quarterly, Annually)
• Owner -- Assign the metric to a team member (from the list of organization users)
• Notes -- Free-form notes about the metric

Action plans -- See Action Plans below.

Click Save Changes to save and close the modal. The dashboard card immediately reflects your changes with updated values, progress, and RAG status coloring.

Tip: When AI-suggested targets are available from onboarding, they appear as hints below the target fields (e.g., "AI suggested: 25%"). These hints are informational only -- they do not affect the metric until you explicitly enter and save the value.

Target Confirmation

Every financial metric starts with an unconfirmed target. Metrics without confirmed targets show "Not tracked" (gray) status and do not contribute to the Health Score or Priority Actions.

This design prevents a common problem: when AI suggests targets during onboarding, those targets might not be appropriate for your organization. Without this safeguard, metrics would immediately show red/green/yellow status based on potentially incorrect AI-suggested targets, creating false signals.

A metric's target becomes confirmed when you:

1. Open the metric modal
2. Review and optionally adjust the target value
3. Click Save Changes

At that point, the metric begins contributing to the Health Score, and its RAG status becomes visible.

Metrics that remain unconfirmed display:

• A "Not tracked" pill in the modal header
• A gray status dot
• No contribution to Health Score or Priority Actions

RAG Status Calculation

RAG (Red-Amber-Green) status for financial metrics is always computed live from current data -- it is never stored in the database. This ensures that when you change scoring thresholds in Settings, all metrics instantly reflect the new thresholds.

The calculation:

1. Progress is computed as: (Current Value / Target for Period) x 100

   • For cumulative targets, the target for period is prorated (Q1 = 25%, Q2 = 50%, Q3 = 75%, Q4 = 100% of annual target)
   • For point-in-time targets, the full annual target applies every quarter
   • If a quarterly target is explicitly set for the current quarter, it overrides the prorated annual target

2. Status is determined by comparing progress to thresholds:

   • Progress >= Green threshold (default 100%) --> Green (On Track)
   • Progress >= Yellow threshold (default 85%) --> Yellow (At Risk)
   • Progress < Yellow threshold --> Red (Critical)

3. Special cases:

   • If the target has not been confirmed --> None (Not Tracked, displayed as gray)
   • If the target is zero or not set --> None
   • If no current value has been entered --> None

The default thresholds (Green: 100%, Yellow: 85%) can be adjusted in Settings. Different threshold sets can be configured for OKR key results and financial metrics independently.

The metric's value on the dashboard card is displayed in the RAG status color: green text when on track, yellow/amber when at risk, and red when critical. This provides an immediate visual signal without needing to read numbers.

Action Plans

Every financial metric can have associated action plans -- concrete steps to improve or maintain the metric's performance. Action plans are managed from within the metric edit modal.

Each action plan has:

• Action description -- A text area describing what needs to be done
• Assigned to -- The team member responsible for the action
• Due date -- A date picker (using the branded RWRD calendar) for the action deadline
• Status -- One of five options:
  • On Track -- Action is progressing as planned
  • At Risk -- Action is in danger of missing its deadline or target
  • Completed -- Action has been finished
  • Blocked -- Action is stalled due to a dependency or obstacle
  • Overdue -- Action has passed its due date without completion (shown in orange)

To add an action plan, click the "Add Action" button within the metric modal. You can add multiple action plans per metric. Each action can be independently updated with its own status and due date.

Action plans are displayed as a list within the modal, each with its own status dropdown and delete button. The action description uses a resizable text area to accommodate longer descriptions.

Importing Financial Data

For users who chose the "Start Fresh" path during onboarding (skipping AI analysis), a CSV Import option is available in the financial section. This allows you to upload a spreadsheet of financial data to bulk-populate metrics.

The import button is hidden for users who completed AI-powered onboarding (since their metrics are already populated from SEC data or uploaded documents).

Hiding and Restoring Metrics

You can hide financial metrics that are not relevant to your organization without deleting them:

• Hiding a metric -- Click the hide icon on the metric card. The metric disappears from the main grid.
• Hidden metrics indicator -- When metrics are hidden, a small indicator appears (e.g., "3 hidden metrics") with a link to manage hidden items.
• Restoring metrics -- Click "Restore all" to bring back all hidden metrics, or individually restore specific ones from the hidden metrics panel.

Standard metrics (the 20 built-in ones) can be hidden but never permanently deleted. Custom metrics that you create can also be hidden.

During onboarding, if you reject a financial metric that had an actual extracted value, it becomes a hidden placeholder rather than being discarded entirely. This way, the data is preserved and can be restored later if you change your mind.

Admins can also hide the entire Financial section using the section visibility controls, which removes it from the dashboard view entirely. This can be undone from the Hidden Sections panel.

Value Update History

Every time you change a metric's value, RWRD records the change in an update history:

• Previous value -- What the metric was before the change
• New value -- What you changed it to
• Timestamp -- When the change was made
• Who made the change -- The user who saved the update

This history is visualized as a line chart within the metric detail view, showing how the metric has changed over time. The chart is deduplicated by date -- if you update the same metric multiple times on the same day, only the latest value for that date appears as a chart point (though all changes are recorded in the underlying audit log).

The update history serves two purposes:

1. Trend visibility -- See whether a metric is improving or deteriorating over time.
2. Accountability -- Track who made changes and when, providing an audit trail for governance.

The trend is also shown on the metric card as an up/down/stable indicator with a percentage change from the last recorded value.