Finance for Non-Financials

Financial Analysis and Cash Flow Management Techniques

Accounting & Financial Management 4.8(51)7h 14m27 lectures7 sections

What you'll learn

Understand the basic principles of finance
Apply the basics of financial analysis
Manage and analyze cash flow and cash
Prepare the balance sheet and manage costs
Understand investment and financing
Learn about bonds and bank loans
Tell shares, preferred shares and retained earnings apart
Make financial decisions and understand financial leverage

About this course

This course explains finance for non-financial people in a simple way, meaning the basics of finance and financial analysis for those who do not work in accounting or banking. You start with an introduction to finance and the basic principles, with an application and questions, then financial analysis, also with an application and questions. Next you learn cash flow and cash management and analysis, then the balance sheet and cost management, then investment and financing with a comprehensive example. After that the lessons explain the sources of financing: bonds, bank loans, shares, preferred shares and retained earnings. In the last part you learn the financial decision and how to make a sound financial decision with a practical model, then financial leverage, and you download the appendices. It suits business owners, managers and employees without a financial background. No previous experience in finance is needed. By the end, you will be able to read a financial analysis, understand cash flow and the balance sheet, compare sources of financing and make a clearer financial decision. Practice lessons and questions come after each topic to reinforce understanding and link the concepts to practical examples.

Expected outcomes

Comprehensive understanding of basic and advanced financial concepts.
Develop skills in financial data analysis and decision-making.
Ability to manage financial resources efficiently to achieve goals.
Enhance financial knowledge to improve professional performance.

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Course content

Financing

5 lectures

Course IntroductionGives an overview of the Finance for Non-Finance Professionals course and its structure, from finance principles and financial statements to financial analysis, cash flow, budgeting, funding sources, and financial decisions.8:08
Introduction to FinanceIntroduces the concept of finance and its role for individuals and companies, its goals such as managing money, investing and planning liquidity, personal finance, and long-term financial planning, with interactive questions.9:54
Fundamental Principles of FinanceExplains the basic principles of finance, the difference between personal and corporate finance, working capital decisions, current and non-current assets, and the difference between the balance sheet, income statement, and cash flow statement.23:21
Application of Fundamental Principles of FinanceApplies the basic principles of finance to a practical example, distinguishes the balance sheet, income statement, and cash flows, calculates equity and the cash balance, and discusses ways to increase profits.10:40
Questions on Fundamental Principles of FinanceProvides practice questions and answers on the basic principles of finance, such as improving liquidity, working capital, risk management, retirement planning, and improving collection policies and their effect on cash flows.24:40

Financial Analysis

3 lectures

Financial AnalysisExplains financial analysis, both horizontal and vertical, and profitability and liquidity ratios such as profit margin, current ratio, and quick ratio, plus reading the balance sheet and interpreting ratios with an Excel example.22:36
Application of Financial AnalysisApplies financial analysis in Excel through the income statement, profit margins, and the current ratio, then analyzes operating, investing, and financing cash flows and interprets the results.8:54
Financial Analysis QuestionsWorks through financial analysis questions covering horizontal and vertical analysis and financial ratios, with examples of analyzing an income statement, calculating the current ratio and quick ratio, and interpreting the results.24:59

Cash Flow and Cash Management

3 lectures

Cash Flow and Cash ManagementExplains cash flow and cash management, analysis of operating, investing, and financing flows, and how shortening the receivables collection period affects liquidity, with practice questions and an Excel example.18:24
Application of Cash Flow and Cash ManagementApplies cash flow and cash management through interactive questions, such as interpreting financing flows and loan repayment, the effect of receivables and share issuance, working capital, and the cash conversion cycle.10:42
Analysis of Cash Flow and Cash ManagementReviews cash flow and cash management through cases and interactive questions, such as the sections of the cash flow statement, extending supplier payment terms, improving inventory management, and the goals of working capital management.26:03

Budgeting and Cost Management

2 lectures

Budgeting and Cost ManagementExplains budgeting and cost management, types of budgets, fixed and variable costs, the break-even point and how to calculate it, and ways to cut costs and their effect on profit.11:50
Application of Budgeting and Cost ManagementApplies budgeting and cost management with an industrial company example, calculates the break-even point, and explains cutting raw material costs by negotiating with suppliers and planning new equipment purchases and their cash effect.13:47

Investment and Financing

9 lectures

Investment and FinancingExplains investment and financing, the difference between stocks and bonds, and funding sources including self-funding, crowdfunding, and loans, with examples of an investment plan, a financing plan, and portfolio diversification.12:53
Comprehensive Example of Investment and FinancingGives a comprehensive example of investment and financing, analyzing an investment plan split across stocks, bonds, and real estate, a funding plan using self-funding, a loan, and crowdfunding, and explaining earnings per share (EPS).7:10
BondsExplains bonds and their concepts, such as face value, credit rating and the effect of a downgrade on a bond's market value, government bonds, and how they compare with stocks, with practice questions.39:21
Bank Loans (Part One)Explains bank loans and their concepts, such as interest, the repayment schedule, installments, the annual interest rate, early repayment, loan fees, collateral, credit assessment, and loan rescheduling.21:44
Bank Loans (Part Two)Explains the advantages and disadvantages of loans, such as immediate funding, lower interest in some cases, and tax benefits, versus collateral risk, interest rate fluctuations, and the effect of late payment on credit assessment.17:13
StocksExplains common stocks, voting and dividend rights, retained earnings, earnings per share and book value, and the pros and cons of stocks such as portfolio diversification, price volatility, and speculation.21:29
Preferred Stocks (Part One)Defines preferred stock and its traits shared between common stock and bonds, its priority in dividends and asset liquidation upon bankruptcy, and the fact that holders lack the same voting rights.2:21
Preferred Stocks (Part Two)Continues with preferred stock, explaining fixed dividends, convertible, cumulative, and non-cumulative shares, their pros and cons, and how to calculate the yield on a preferred share.24:10
Retained EarningsExplains retained earnings, their concept, pros and cons, capital structure across debt, equity, and retained earnings, the risks of relying on debt, financial leverage, and the weighted average cost of capital (WACC).47:13

Financial Decisions

4 lectures

Financial DecisionExplains financial decision-making, the discounted cash flow model and present value, sensitivity analysis, and the cost-benefit model for comparing projects, with interactive questions.10:54
How to Make Sound Financial DecisionsApplies financial decision-making to the example of a company buying a new factory, using the cost-benefit model, the discounted cash flow model, and the NPV formula in Excel.6:00
Model for Making Financial DecisionsContinues the financial decision model by calculating net present value, then running sensitivity analysis by changing the discount rate to assess whether investing in the project is worthwhile.2:43
Financial LeverageExplains financial leverage and operating leverage, how to calculate them, and their effect on income growth when sales rise, along with comparing two projects by calculating net present value.7:15