What is UFIN and how does it help with financial analysis?

UFIN (Ukrainian Financial Statement Analysis) is a free, professional-grade online tool for comprehensive financial analysis of Ukrainian businesses. It analyzes balance sheets and income statements to calculate key financial ratios including liquidity (current ratio, quick ratio, cash ratio), solvency (debt-to-equity, coverage ratios), profitability (ROA, ROE, profit margins), and business activity indicators. The tool provides instant results with interactive charts and supports 6 languages.

Is UFIN completely free? Are there any hidden costs?

Yes, UFIN is 100% free with no hidden costs, subscriptions, or premium features. There's no registration required, no credit card needed, and no limitations on usage. It's an open-source project (MIT License) designed to make professional financial analysis accessible to everyone.

What financial ratios and metrics does UFIN calculate?

UFIN calculates over 30 financial indicators including: Liquidity Ratios (Current, Quick, Cash, Working Capital), Solvency Ratios (Debt-to-Equity, Interest Coverage, Financial Leverage), Profitability Metrics (ROA, ROE, Net Profit Margin, Gross Profit Margin), Business Activity Ratios (Asset Turnover, Receivables Turnover, Inventory Turnover, Payables Turnover), Financial Stability Indicators (Autonomy Coefficient, Financial Independence), and Working Capital Analysis.

Can I use UFIN offline without internet connection?

Yes! UFIN is a Progressive Web App (PWA) that works offline after the first visit. Once loaded, you can install it on your device and use it without an internet connection. All calculations are performed locally in your browser, ensuring privacy and enabling offline analysis.

How do I analyze Ukrainian company financials from the USA?

UFIN is accessible worldwide, including from the USA. Simply visit the website, select English language, and input your Ukrainian company's financial data from their balance sheet (Form 1) and income statement (Form 2). The tool automatically calculates all financial ratios and provides comprehensive analysis suitable for international investors and analysts.

Is my financial data safe and private when using UFIN?

Absolutely. UFIN processes all data locally in your browser - no data is sent to any server. Your financial information never leaves your device. You can optionally save data to your browser's local storage for convenience, and export/import data as JSON files. The application is fully client-side with no backend database or data collection.

What languages does UFIN support?

UFIN supports 6 languages: English, Ukrainian (Українська), Russian (Русский), German (Deutsch), Spanish (Español), and French (Français). You can switch languages at any time from the interface, making it accessible to international users and Ukrainian businesses worldwide.

Do I need accounting knowledge to use UFIN?

Basic accounting knowledge is helpful but not required. UFIN provides clear labels and tooltips for all financial inputs. If you have a company's balance sheet and income statement, you can input the data and get instant analysis. The tool is designed for both professional accountants and business owners who want to understand their financial health.

Does UFIN have AI-powered analysis features?

Yes! UFIN includes an AI Financial Assistant powered by Chrome's built-in Gemini Nano. You can ask questions about your financial data in natural language and receive AI-generated insights. The AI runs 100% locally in your browser, ensuring complete privacy - no data is sent to external servers.

Free Liquidity Ratio Calculator | Current, Quick & Cash Ratio

Table 13. Balance liquidity indicators ПРАТ "МК "АЗОВСТАЛЬ" 2019-2020 years

(thousand hryvnias)

Asset	At the beginning of the reporting period	At the ending of the reporting period	Liabilities	At the beginning of the reporting period	At the ending of the reporting period	Payment surplus (+) or deficit (-)
Asset	At the beginning of the reporting period	At the ending of the reporting period	Liabilities	At the beginning of the reporting period	At the ending of the reporting period	At the beginning of the reporting period	At the ending of the reporting period
2019 year
Most liquid assets (A1)	1299090.0	804392.0	Most urgent liabilities (P1)	57116888.0	50255945.0	-55817798.0	-49451553.0
Quick-liquid assets (A2)	47653934.0	35089598.0	Short-term liabilities (P2)	103949.0	148395.0	47549985.0	34941203.0
Slow-liquid assets (A3)	12542786.0	7226032.0	Long-term liabilities (P3)	4364028.0	4194028.0	8178758.0	3032004.0
Hard-to-sell assets (A4)	30151816.0	34479266.0	Permanent liabilities (P4)	30062761.0	23000920.0	89055.0	11478346.0
Balance	91647626.0	77599288.0	Balance	91647626.0	77599288.0
2020 year
Most liquid assets (A1)	804392.0	1597023.0	Most urgent liabilities (P1)	50255945.0	43512139.0	-49451553.0	-41915116.0
Quick-liquid assets (A2)	35089598.0	30543424.0	Short-term liabilities (P2)	148395.0	223095.0	34941203.0	30320329.0
Slow-liquid assets (A3)	7226032.0	6330173.0	Long-term liabilities (P3)	4194028.0	4514610.0	3032004.0	1815563.0
Hard-to-sell assets (A4)	34479266.0	33092330.0	Permanent liabilities (P4)	23000920.0	23313106.0	11478346.0	9779224.0
Balance	77599288.0	71562950.0	Balance	77599288.0	71562950.0

Illiquid balance
Assessment of balance liquidity ПРАТ "МК "АЗОВСТАЛЬ" at the beginning of 2019 year
Assessment of balance liquidity ПРАТ "МК "АЗОВСТАЛЬ" at the end of 2019 year
Illiquid balance

Illiquid balance
Assessment of balance liquidity ПРАТ "МК "АЗОВСТАЛЬ" at the beginning of 2020 year
Assessment of balance liquidity ПРАТ "МК "АЗОВСТАЛЬ" at the end of 2020 year
Illiquid balance

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