# Questions? We have answers.

## Summary

Use the **ratio builder** to create custom financial ratios for use in MindBridge analyses. Learn how to build, configure, and manage ratios below:

- [About fields](https://support.mindbridge.ai/hc/en-us/articles/360056395414-Ratio-builder-Overview#01FS5K6DTMSX7WYZEVGKA71SMV)
- [About account modifiers](https://support.mindbridge.ai/hc/en-us/articles/360056395414-Ratio-builder-Overview#01FS5K6DTMV1XAWQR48W82QZEN)
- [Add fields](https://support.mindbridge.ai/hc/en-us/articles/360056395414-Ratio-builder-Overview#01FS5K6DTN77FV3YVZF367BMKT)
- [Define or change an operator](https://support.mindbridge.ai/hc/en-us/articles/360056395414-Ratio-builder-Overview#01FS5K6DTNEZPJWT774GTTNJ73)
- [Bracket groups](https://support.mindbridge.ai/hc/en-us/articles/360056395414-Ratio-builder-Overview#01FS5K6DTNNN93QCRTTGBDZ4QK)

**Note**: While library ratios are limited to _App Admins_, other roles can create and manage ratios within the [_engagement settings_](https://support.mindbridge.ai/hc/en-us/articles/360056329674-Engagement-settings-Ratios), as well as [create new ratios via the _Ratios_ dashboard](https://support.mindbridge.ai/hc/en-us/articles/360056329674-Engagement-settings-Ratios). Engagement-and analysis-level ratios can also be added to the library as needed so they can then be used in future engagements.

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## About fields

When building a ratio, fields contain a term and an operator.

- **Term:** A quantifiable element in your ratio.
- **Operator:** The mathematical expression to be performed on the element (the only field that does not contain an operator is the first field of a row).

**Note:** When building ratios, debits and credits _retain their positive and negative signs_. If you are converting a ratio that has a credit balance in the numerator or denominator, you will need to add \[ **\\* -1**\] to the credit balance in order for the ratio to be presented as a positive balance. For example, a current ratio formula will be: _12002 Current assets, Ending Balance **divided by**_ _22002 Current liabilities, Ending Balance **\\* -1**_.

### Example

In the image below:

1. This field contains a **term**.
2. This field contains a term and an **operator**.

The first term is being **multiplied** by _365_, then **divided** by a third term: _Days in the YTD period_.

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## About account modifiers

When you add an account to a ratio, you can select a **modifier** to change the values of the account. The following modifiers are available:

- **Average daily balance:** The average daily ending balance of the account throughout the period. This is calculated as _(starting balance for the period + ending balance for the period) / 2_.
- \\* **Ending balance:** The calculated balance of the account at the end of the period (i.e., _provided opening balances + delta_)
- **Credit amount:** The sum of all credit entries to the account within the period.
- **Debit amount:** The sum of all debit entries to the account within the period.
- **Activity:** The net activity (debits minus credits) within the period.
- **Opening balance**: The balance of the account at the start of the period.
  - If an opening balance entry is missing, the relevant account will reflect a value of zero ("0") for the period.
  - If an opening balance file is not provided, all account balances will be set to zero ("0"). This is reset at the beginning of each period.
- **Cumulative YTD (year-to-date) activity:** The sum of all activity in the account (net debits minus credits) from the start of the analysis period to the end of the reporting period.

Select **Undo last action** to go back a step, or select **Cancel** to discard your ratio and close the ratio builder.

\* **Note:** The ending balance is the default account selection when building ratios.

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## Add fields

After any of the following actions, you can select **Undo last action** to go back a step, or select **Cancel** to discard your ratio and close the ratio builder.

### Add a new row

1. Select **Add** in the respective row.
2. Choose the term you want to add to the row.

### Add a new field between existing fields

1. Open the **more actions menu** (  ) beside the existing field to open a menu.
2. Select **Add new field left** or **Add new field right** depending on where you want the new field to be created.

### Replace and delete fields

Some complex ratios require a multitude of fields in each row. Replacing or deleting fields allows you to quickly and easily make adjustments.

1. Open the **more actions menu** (  ) beside the existing field to open a menu.
2. Select **Replace current field** or **Delete current field**.
3. You can also delete the entire row by selecting the **delete** icon (  ) to the right of the row.

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## Define or change an operator

1. Select the **operator symbol** to open a menu.
2. Select the operator you want to use in the ratio:
   - **\\*** (multiplication)
   - **/** (division)
   - **+** (addition)
   - **-** (subtraction)

Select **Undo last action** to go back a step, or select **Cancel** to discard your ratio and close the ratio builder.

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## Bracket groups

To add a bracket group to your row:

1. Select **Add** to open the menu.
2. Select **Bracket Group**.
3. Adjust the **term** and **operator**, and/or add more terms within the bracket group.

Select **Undo last action** to go back a step, or select **Cancel** to discard your ratio and close the ratio builder.