Finance Explained Simply
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Corporate FinanceFinancial statements
Intermediate6 min read

What is an income statement and how do you read one?

By the FES team · Published 10 June 2026

In brief: An income statement (also called a profit and loss, or P&L) shows a company's revenues, costs, and profits over a period — typically a quarter or year. Unlike the balance sheet (a snapshot), the income statement is a video: it shows how money flowed through the business over time.

From revenue to profit: the waterfall

An income statement works like a funnel. Start with revenue (all money the company brought in). Then subtract each layer of costs. What's left after each subtraction gives you a different measure of profitability — each one revealing something different about the business.

Revenue £1,000 − Cost of goods sold Gross profit £600 − Operating expenses (SG&A, R&D) Operating profit (EBIT) £350 − Interest expense Pre-tax profit £300 − Tax Net profit £240

A real income statement, simplified

Line item £ million % of revenue
Revenue1,000100%
Cost of goods sold (COGS)(400)40%
Gross profit60060%
Operating expenses(250)25%
EBIT (operating profit)35035%
Interest expense(50)5%
Tax(60)6%
Net profit24024%

Why different profit lines matter

Gross margin (gross profit ÷ revenue) reveals how efficiently the company produces its goods. A software company might have 70%+ gross margins; a supermarket might have 25%. Operating margin (EBIT ÷ revenue) shows the underlying profitability of the business before financial structure. Net margin is the bottom line — but can be distorted by unusual tax situations or one-time gains.

"Revenue is vanity, profit is sanity, cash is reality." — an old but useful finance saying

Income statement vs cash flow

Profit on the income statement doesn't equal cash in the bank. Revenue is recognised when earned, not when cash is collected. A company can be wildly profitable on paper but running out of cash if customers aren't paying. This is why the cash flow statement — especially operating cash flow — is often more revealing than net profit.

What this means for you

When evaluating any company, look at three trends in the income statement: is revenue growing? Are margins stable or improving? Is earnings-per-share rising faster than revenue (showing operational leverage)? A company with growing revenue but shrinking margins is being competed away. One with flat revenue but rising margins is becoming more efficient. Both stories are visible in the income statement.

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