LearningStock FundamentalsReading Financial Statements
Module 3 of 37 min read

Reading Financial Statements

Decode income statements, balance sheets, and cash flow statements with confidence.

The income statement

The income statement shows what a company earned and spent over a period (quarter or year). It flows from down to : Revenue → Gross Profit (after cost of goods sold) → Operating Income (after operating expenses) → Net Income (after taxes and interest). and reveal profitability at each stage.

Revenue is what you make. Net income is what you keep.

The balance sheet

The balance sheet is a snapshot of what a company owns () and owes (liabilities) at a single point in time. Subtracting liabilities from assets gives shareholders' — the of the company. Key ratios like are calculated directly from the balance sheet.

Cash flow statement

A company can be profitable on paper but still run out of cash. The statement shows the real money moving in and out: operating cash flow (from core business), investing cash flow (capex, acquisitions), and financing cash flow (debt, buybacks, ). Free cash flow = operating cash flow minus capital expenditures.

Free cash flow is often called the "true" measure of a company's earnings power.

Red flags to watch

Rising alongside falling margins signals pricing pressure. Profitable companies burning cash often rely on one-time items. rising faster than revenue growth can signal risk. Always compare three to five years of statements, not just one quarter.

Test Your Knowledge

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Quick Quiz1 / 4

What does the income statement NOT show?