{"id":11651,"date":"2023-02-16T23:29:34","date_gmt":"2023-02-16T22:29:34","guid":{"rendered":"https:\/\/cowrywise.com\/blog\/?p=11651"},"modified":"2023-03-22T12:43:58","modified_gmt":"2023-03-22T11:43:58","slug":"financial-modelling","status":"publish","type":"post","link":"https:\/\/cowrywise.com\/blog\/financial-modelling\/","title":{"rendered":"Financial Modelling: What You Need To Know"},"content":{"rendered":"\n<p>This article explains what you need to know about financial modelling.<\/p>\n\n\n\n<p><strong>Key takeaways<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Financial modelling is the process of creating a mathematical model or representation of a financial situation or system. <\/li>\n\n\n\n<li>Financial modelling helps in company valuation.<\/li>\n\n\n\n<li>Financial modelling can be applied in a variety of areas such as Corporate finance, <a href=\"https:\/\/cowrywise.com\/blog\/investment-banking\/\">Investment banking<\/a>, Asset management and Real estate.<\/li>\n\n\n\n<li>Financial modelling is typically done using Microsoft Excel and can involve complex calculations, statistical analysis, and data visualization techniques.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-small-font-size\">Jump to a section<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#definition\">What is Financial Modelling?<\/a><\/li>\n\n\n\n<li><a href=\"#purpose\">What is the purpose of financial modelling?<\/a><\/li>\n\n\n\n<li><a href=\"#how\">How do you do financial modelling?<\/a><\/li>\n\n\n\n<li><a href=\"#types\">Types of financial modelling<\/a><\/li>\n\n\n\n<li><a href=\"#advantages\">Advantages of financial modelling<\/a><\/li>\n\n\n\n<li><a href=\"#build\">Who builds financial models?<\/a><\/li>\n\n\n\n<li><a href=\"#skills\">Financial Modelling FAQs<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"definition\">What is Financial Modelling?<\/h2>\n\n\n\n<p>Financial modelling is the process of interpreting the financial operations of a company, taking into consideration its growth and risk assumptions to predict its future performance.<\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f5f7fc\">A financial model depicts a company\u2019s financial position in the past, present, and future.<\/p>\n\n\n\n<p>Financial modelling can be used in a wide variety of applications, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Corporate finance<\/strong>: analyzing financial statements, performing sensitivity analysis, and valuing companies<\/li>\n\n\n\n<li><strong>Investment banking<\/strong>: creating financial models for mergers and acquisitions, <a href=\"https:\/\/cowrywise.com\/blog\/initial-public-offering\/\">initial public offerings (IPOs)<\/a>, and other transactions<\/li>\n\n\n\n<li><strong>Asset management<\/strong>: creating models to manage investment portfolios and assess risk<\/li>\n\n\n\n<li><strong>Real estate<\/strong>: modelling cash flows for <a href=\"https:\/\/cowrywise.com\/blog\/how-to-invest-in-real-estate\/\">real estate investments<\/a>, analyzing commercial real estate transactions, and forecasting trends in the housing market.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"purpose\">What is the purpose of financial modelling?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Financial evaluation<\/h3>\n\n\n\n<p>With financial modelling, a company can document and evaluate its financial performance within a period. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Company valuation<\/h3>\n\n\n\n<p>A financial model helps to tell the value of a company and what it\u2019s worth. It is also a way for investors to how if the company can make returns on their investment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Decision-making<\/h3>\n\n\n\n<p>With a financial model, a company can know its financial position and avoid decisions that will negatively impact the company.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how\">How do you do financial modelling?<\/h2>\n\n\n\n<p>Some ways to go about financial modelling include;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Data collection<\/strong>: The first step is to collect and gather financial data for the company for at least 3-5 years.<\/li>\n\n\n\n<li><strong>Calculation of metrics<\/strong>: After gathering data, calculate the metrics of previous transactions to monitor growth rates, assets turnover, changes in inventory, etc&nbsp;&nbsp;<\/li>\n\n\n\n<li><strong>Making informed assumptions:<\/strong> This is made based on the trends and results observed from previous data of the company.<\/li>\n\n\n\n<li><strong>Forecasting:<\/strong> With this data, financial statements such as future income, balance sheets, and cash flow statements can be predicted.\u00a0Learn more about <a href=\"https:\/\/cowrywise.com\/blog\/financial-forecasting\/\">financial forecasting<\/a>.<\/li>\n\n\n\n<li><strong>Company valuation:<\/strong> This involves valuing the company according to the expected financial trends. A good example is using the <a href=\"https:\/\/www.theforage.com\/blog\/skills\/dcf-valuation\">discounted cash flow model<\/a>.<\/li>\n\n\n\n<li><strong>Review:<\/strong> A review of the model is done to ensure that it\u2019s accurate, trying out different scenarios and predictions to reduce the error margin.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"types\">Types of financial modelling<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Three-Statement Model<\/li>\n\n\n\n<li>Discounted Cash Flow (DCF) Model<\/li>\n\n\n\n<li>Merger and Acquisition (M&amp;A) Model<\/li>\n\n\n\n<li>Initial Public Offering (IPO) Model<\/li>\n\n\n\n<li>Leveraged Buyout (LBO) Model<\/li>\n\n\n\n<li>Sum of the Parts Model<\/li>\n\n\n\n<li>Budget Model<\/li>\n\n\n\n<li>Option Pricing Model<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"advantages\">Advantages of financial modelling<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Understanding the business<\/li>\n\n\n\n<li>Periodic performance review<\/li>\n\n\n\n<li>Business valuation<\/li>\n\n\n\n<li>Risk minimization<\/li>\n\n\n\n<li>Accurate financial forecasts<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"build\">Who builds financial models?<\/h2>\n\n\n\n<p>Any trained personnel with a good knowledge of <a href=\"https:\/\/cowrywise.com\/blog\/financial-management\/\">financial management<\/a> can build a financial model. Some specific professionals build and use financial models daily. For example;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Chartered Financial Analysts (CFA)<\/li>\n\n\n\n<li><a href=\"https:\/\/cowrywise.com\/blog\/investment-banking\/\">Investment bankers<\/a><\/li>\n\n\n\n<li>Accountants<\/li>\n\n\n\n<li>Equity research analysts<\/li>\n\n\n\n<li>Corporate development analysts<\/li>\n\n\n\n<li>Data analysts, etc<\/li>\n<\/ul>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1676585507246\"><h2 class=\"schema-faq-question\" id=\"skills\">What skills do you need for financial modelling?<\/h2> <p class=\"schema-faq-answer\">A financial modeller should have the following skills: Proficiency in Excel, attention to detail, model review, and analytical and presentation skills. <\/p> <\/div> <\/div>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1676585628155\"><h2 class=\"schema-faq-question\">Is financial modelling difficult?<\/h2> <p class=\"schema-faq-answer\">Financial modelling involves complex calculations, statistical analysis, and data visualization techniques but with the appropriate training and experience, anyone can become a professional.<\/p> <\/div> <\/div>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1676585758672\"><h2 class=\"schema-faq-question\">Can a CFA do financial modelling?<\/h2> <p class=\"schema-faq-answer\">A Chartered Financial Analyst (CFA) is a financial professional who is competent in investment and financial management. They are trained to understand and analyze financial models, so it is safe to say they can do financial modelling.<\/p> <\/div> <\/div>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1676585824025\"><h2 class=\"schema-faq-question\">What software is used for financial modelling?<\/h2> <p class=\"schema-faq-answer\">Excel is the most widely used software for financial modelling. Other financial modelling software includes Jirav, Cube, Finmark, Synario, Oracle BI, IBM Cognos and Quantrix.<\/p> <\/div> <\/div>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1676585982149\"><h2 class=\"schema-faq-question\">What is the difference between financial analysis and financial modelling?<\/h2> <p class=\"schema-faq-answer\">While financial modelling is a mathematical model or representation of a company, financial analysis is using these financial models to forecast the future earnings and performance of the company. Without a financial model, a proper financial analysis cannot be done.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Bottom Line<\/h2>\n\n\n\n<p>Financial modelling is a very important aspect of any company\u2019s financial operations. It helps to give perspective to the growth of the company while ensuring that the best decisions are made. It is important to get a trained professional to do the financial modelling and analysis for your company to get the best results.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<div class=\"shortcode-block\"><div class=\"inhype-postsgrid7-block-wrapper inhype-postsgrid7-block-wrapper-632937 inhype-block\"><div class=\"container container-title\"><div class=\"row\"><div class=\"inhype-block-title\"><h3>Also Read<\/h3><\/div><\/div><\/div><div class=\"container container-content\"><div class=\"row\"><div class=\"col-md-6\"><div class=\"inhype-list-post inhype-list-small-post inhype-post format-standard\"><div class=\"inhype-post-image-wrapper\"><a href=\"https:\/\/cowrywise.com\/blog\/how-global-events-affect-nigerian-investments\/\"><div class=\"inhype-post-image\" data-style=\"background-image: url(https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2024\/03\/COWRYWISE-THE-ART-OF-NEGOTIATION.png);\"><\/div><\/a><\/div><div class=\"inhype-post-details\"><div class=\"post-categories\"><a href=\"https:\/\/cowrywise.com\/blog\/investment-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Investing<\/span><\/a><\/div><h3 class=\"post-title entry-title\"><a href=\"https:\/\/cowrywise.com\/blog\/how-global-events-affect-nigerian-investments\/\">Why a War Thousands of Miles Away Can Move Nigerian Investments<\/a><\/h3><div class=\"post-date\"><time class=\"entry-date published updated\" datetime=\"2026-03-06T14:47:35+01:00\">March 6, 2026<\/time><\/div><\/div>\n\n<\/div>\n<\/div><div class=\"col-md-6\"><div class=\"inhype-list-post inhype-list-small-post inhype-post format-standard\"><div class=\"inhype-post-image-wrapper\"><a href=\"https:\/\/cowrywise.com\/blog\/cost-of-education-nigeria-investment-plan\/\"><div class=\"inhype-post-image\" data-style=\"background-image: url(https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/08\/Rising-Cost-of-Living@4x-1.png);\"><\/div><\/a><\/div><div class=\"inhype-post-details\"><div class=\"post-categories\"><a href=\"https:\/\/cowrywise.com\/blog\/money-guides-and-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Guides<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/investment-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Investing<\/span><\/a><\/div><h3 class=\"post-title entry-title\"><a href=\"https:\/\/cowrywise.com\/blog\/cost-of-education-nigeria-investment-plan\/\">Beyond Next Term: The Real Cost of Education in Nigeria<\/a><\/h3><div class=\"post-date\"><time class=\"entry-date published updated\" datetime=\"2026-01-23T15:16:12+01:00\">January 23, 2026<\/time><\/div><\/div>\n\n<\/div>\n<\/div><div class=\"col-md-6\"><div class=\"inhype-list-post inhype-list-small-post inhype-post format-standard\"><div class=\"inhype-post-image-wrapper\"><a href=\"https:\/\/cowrywise.com\/blog\/the-ngx-returned-51-in-2025-heres-what-young-nigerians-need-to-know\/\"><div class=\"inhype-post-image\" data-style=\"background-image: url(https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2026\/01\/Cowrywise_Blog_Feature-Image_Stocks_2025_report-1-1.jpg);\"><\/div><\/a><\/div><div class=\"inhype-post-details\"><div class=\"post-categories\"><a href=\"https:\/\/cowrywise.com\/blog\/investment-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Investing<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/money-news\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Money News<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/stocks\/\"><span class=\"cat-dot\"><\/span><span class=\"cat-title\">Stocks<\/span><\/a><\/div><h3 class=\"post-title entry-title\"><a href=\"https:\/\/cowrywise.com\/blog\/the-ngx-returned-51-in-2025-heres-what-young-nigerians-need-to-know\/\">The NGX Returned 51% in 2025. 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Key takeaways Jump to a section What is Financial Modelling? Financial&#8230;<\/p>\n","protected":false},"author":29,"featured_media":11652,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[134],"tags":[],"coauthors":[491],"class_list":{"0":"post-11651","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-money-guides-and-tips"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Financial Modelling: What You Need To Know - Cowrywise Blog<\/title>\n<meta name=\"description\" content=\"Financial modelling is the process of creating a mathematical model or representation of the financial situation of a company to predict its future performance\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cowrywise.com\/blog\/financial-modelling\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial Modelling: What You Need To Know - 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