OWNER DASHBOARD · CEO REPORT TOOL
CONSTRUCTION OWNER
FINANCIAL DASHBOARD.
Enter your last 12 months of financials. See rolling trend charts for all 9 metrics — Revenue, Gross Profit, Gross Margin, Overhead %, Net Profit, Net Margin, Working Capital, Debt-to-Equity, and Current Ratio — benchmarked against SPM targets.
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ENTER YOUR 12-MONTH FINANCIALS
All dollar fields in whole dollars · Ratios as decimals (e.g. 1.35)
| METRIC | Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 |
|---|
THE 9 METRICS
WHAT EACH NUMBER TELLS YOU.
01 + 02
Revenue & Gross Profit
REVENUE IS VANITY · PROFIT IS REALITY
Revenue shows scale. Gross profit shows production efficiency. Track both to see whether growing revenue is producing proportional profit — or consuming it.
03
Gross Margin %
TARGET: 22–30%
Revenue minus direct job costs as a percentage of revenue. The business's production efficiency score. If gross margin is trending down, either jobs are closing below bid margin or overhead is leaking into direct costs.
04
Overhead %
TARGET: 9–13%
Fixed operating costs as a percentage of revenue. The gap between gross margin and net margin. If overhead % is growing, a hire or facility addition changed the cost structure — update the bid rate immediately.
05 + 06
Net Profit & Net Margin %
TARGET: 10–15%
What the owner keeps after all costs. Net margin at 12% on $4M is $480K. On $8M it is $960K. The percentage is what matters — it is the multiplier on every dollar of revenue.
07
Working Capital
TARGET: 10–15% of REVENUE
Current assets minus current liabilities. The financial cushion available right now. Below 5% of revenue, any disruption — late payment, equipment failure — becomes a crisis. Above 15%, the business has room to grow safely.
08
Debt-to-Equity
TARGET: BELOW 1.5x
Total liabilities divided by total equity. Banks and sureties watch this. Above 2.0x, the business is highly leveraged and access to credit narrows. Below 1.0x, the balance sheet is strong and bonding capacity grows.
09
Current Ratio
TARGET: 1.3x or HIGHER
Current assets divided by current liabilities. Below 1.0x means current liabilities exceed current assets — technical current-basis insolvency even if the business is profitable. Sureties require 1.2x minimum for most bond limits.
COMMON QUESTIONS
FREQUENTLY ASKED.
Revenue, Gross Profit, and Net Profit come from your monthly P&L. Overhead % is your overhead costs divided by revenue for the month. Working Capital, Debt-to-Equity, and Current Ratio come from your monthly balance sheet: Working Capital = current assets minus current liabilities; Debt-to-Equity = total liabilities divided by total equity; Current Ratio = current assets divided by current liabilities. If your books close by the 10th of each month, all nine numbers are available for the prior month by the 12th — which is when the CFOS CEO Report is delivered.
Annual numbers tell you what happened. Rolling 12-month trends tell you which direction the business is heading. A gross margin that was 24% in January and is 19% in October has been declining for 10 months — a trend that requires action. The annual average of 21.5% looks acceptable. The monthly trend says the business has a problem that has been building for most of the year. The trend is the early warning system. The annual number is the autopsy.
SPM produces all nine metrics by the 12th of every month from closed books and delivers them in the CEO Report. The monthly strategic meeting reviews each metric against the prior month and the prior year, identifies which metrics are trending in the wrong direction, and produces three specific action items. The owner reviews the report in 20 minutes. The strategic meeting takes 60–90 minutes. Total owner time on financial management: 5 hours per month.
You can still use this dashboard by entering the same annual number divided by 12 in each month column to see where you stand vs the benchmarks — but you lose the trend visibility that makes the tool valuable. The first thing SPM does in every engagement is establish monthly close by the 10th so you have the data that produces this kind of visibility. Most clients go from annual or quarterly closes to monthly closes within 45 days of engagement start.
