P&L Overview

This article explains how the Profit and Loss (P&L) statement works in Model Reef.

You will learn:

  • How the P&L is generated from variables and timing rules.

  • The structure of the P&L in Model Reef.

  • How the P&L connects to the Balance Sheet, Cashflow Statement and Cash Waterfall.

The P&L is an accrual only view of performance. Cash timing is handled separately by the timing engine.


1. How the P&L is generated

The P&L is not built with user formulas. It is generated automatically by the engine based on:

  • Variable types (Revenue, COGS, Opex, Staff, Tax, Assets, Liabilities).

  • Categories and subcategories assigned to variables.

  • Accrual logic from the timing engine.

For each period, Model Reef follows these steps:

1

Evaluate all variables

All defined variables are evaluated for the period.

2

Calculate accrual values

The engine calculates each variable's accrual value for that period based on timing rules.

3

Allocate to P&L lines

Accrual values are allocated to P&L lines according to variable type and category.

4

Aggregate results

Values are aggregated by category, subcategory and branch.

This means the P&L always reconciles correctly with the Balance Sheet and Cashflow Statement.


2. Standard P&L layout

The default P&L layout in Model Reef follows this sequence:

1

Revenue

  • All Revenue variables at accrual timing.

  • Broken down by category and branch where needed.

2

COGS (Cost of Goods Sold)

  • All COGS variables.

  • Typically direct costs of delivering revenue.

3

Gross Profit

  • Gross Profit = Revenue minus COGS.

  • Gross Margin can be viewed as a percentage of revenue.

4

Operating Expenses (Opex)

  • Opex variables that are not classified as Staff.

  • Grouped by category such as Marketing, Rent, Technology.

5

Staff Costs

  • Staff variables shown separately from other Opex.

  • Includes salaries, pension or super, payroll tax and other oncosts.

6

EBITDA

  • EBITDA = Gross Profit minus Opex minus Staff.

7

Depreciation and Amortisation

  • Non cash charges from Asset variables and any intangible asset logic.

8

EBIT

  • EBIT = EBITDA minus Depreciation minus Amortisation.

9

Interest Expense

  • From Liability variables based on loan balances.

10

EBT (Earnings Before Tax)

  • EBT = EBIT minus Interest Expense.

11

Tax Expense

  • Calculated via Tax variables using effective tax rates.

12

Net Profit After Tax (NPAT)

  • NPAT = EBT minus Tax Expense.

  • NPAT flows into retained earnings in the Balance Sheet.

You can customise the display via categories and custom reports, but this is the core logic.


3. Branch and consolidation behaviour

The P&L can be viewed at different structural levels:

  • Branch level

    • Shows only variables in that branch and its children.

    • Useful for store, division, entity or project level performance.

  • Parent branch and consolidated views

    • Show the sum of all enabled child branches.

    • Useful for group or total company performance.

Disabling a branch removes its contribution from consolidated P&L but does not delete its data.


4. P&L vs Cashflow and Cash Waterfall

The P&L shows when performance is recognised. It does not show when cash moves.

Links to other statements:

  • Balance Sheet

    • Timing differences between P&L and cash appear as Accounts Receivable, Accounts Payable, Tax Payable and Interest Payable.

  • Cashflow Statement

    • Cash movements are shown when they occur, not when accruals occur.

    • Operating cashflows, investing cashflows and financing cashflows derive from variable timing and type.

  • Cash Waterfall

    • Uses P&L lines down to EBITDA.

    • Then applies working capital, capex, debt, equity and dividends as cash items.

Understanding the P&L structure makes it easier to interpret the waterfall and valuation outputs.


5. Period views and common size

You can view the P&L in different ways:

  • Periodicity: monthly, quarterly, annual or custom ranges.

  • Common size: each line as a percentage of revenue.

  • Scenario: different models representing Base, Downside, Upside, etc.

  • Branch filters: specific entities or divisions.

These views do not change the underlying calculations. They just change how the same data is aggregated and displayed.


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