The numbers that matter: Metrics to review before EOFY

I’m often asked: What metrics matter most in a farm business? What should I be looking at to know if I’m on track?

The truth is—there’s no single answer. Every business is different. That’s why comparing your numbers to someone else’s without context can do more harm than good. For example, if you’re a mixed farmer in a low rainfall zone and you’re benchmarking against a high rainfall, high-yielding business—it’s not a fair or useful comparison.

Instead of chasing someone else’s numbers, this time of year is an opportunity to pause and look inward. To assess what your business needs, right now, and over the next 6–12 months.

That’s why I’m sharing the numbers I most often work through with my clients—figures that help guide better decisions, reduce overwhelm, and keep businesses grounded in what they can control.

The key numbers to review this EOFY

Debt-to-income ratio
Are you comfortable with the level of debt you’re carrying compared to your income?
👉 Why it matters: This gives a snapshot of how financially resilient your business is—especially if income drops or interest rates increase.

Capacity for debt repayment
Are your earnings (and forecasts) enough to repay debt without putting your operations or lifestyle under strain?
👉 Why it matters: It shows whether your current debt is manageable—and is a key factor when talking with banks or brokers.

Repairs and maintenance as a percentage of income
How much of your income is going into keeping things running?
👉 Why it matters: If this percentage keeps rising, it could be time to assess asset efficiency—or plan for replacements.

Drawings or owner’s wages
Are you drawing enough to live well without compromising business cash flow?
👉 Why it matters: Your drawings reflect whether your business supports your lifestyle sustainably—or if something needs to shift.

Working capital position
Do you have a short-term buffer, or are you cutting it fine?
👉 Why it matters: Your working capital is your shock absorber. It gives you flexibility when the unexpected hits.

Capacity to deliver
Do you (and your team) have the time, energy and systems to do the work ahead—or are you already stretched?
👉 Why it matters: Capacity isn’t just about people on the payroll. It’s about your headspace, systems, and the risk of burnout.

Don’t let the numbers paralyse you—let them inform you

EOFY is a line in the sand. It’s not about guilt, or judgment—it’s a chance to step back, check in, and ask: Are the decisions I’m making today helping or hindering my long-term goals?

Each number above gives insight—not just into your financials, but into how your business is functioning day to day. When you review them together, they start to form a clearer picture of your strengths, pressure points, and where you need to focus next.

If you need help, through my AgCelerate program I work with clients to build awareness of these key numbers and use them to make informed, confident decisions—decisions that align with their business goals and personal values.

EOFY isn’t just a reporting deadline. It’s a strategic opportunity. Let’s make the most of it.