Store-by-store margins in one view.

Consolidate every store, track SKU and category profitability, and watch inventory and comp sales across the fleet, with a group P&L that closes on time.

  • Store-level P&L
  • Inventory & COGS
  • Category margin
  • Comp-store sales
Enterprise-safe AI
AuditableHuman approval layerExplainableFully traceable
See what you get
Retail FinBoard
finboard.app / retail
Live
Stores · comp sales
MTD
Store
Comp
Margin
Turns
Flagship · SoHo
+6.2%
52%
5.4×
Westfield
+2.1%
48%
4.8×
Riverside Mall
−1.4%
44%
3.9×
Airport
+9.8%
57%
6.1×
Margin by category
Accessories
61%
Apparel
54%
Footwear
49%
Home
42%
When one store becomes many

Finance problems when one store becomes many

Every new store multiplies the reconciliations and the ways your numbers drift. FinBoard keeps comps, inventory and margin comparable.

Comp sales aren't comparable
+12.4% group
Comp stores +2.1%New stores +9.8%Closed -0.5%
Shrink hides in valuation
Book inventory$9.20M
Physical count$9.05M
Shrink reserve (1.6%)($147K)
Valued inventory$9.05M
Markdowns erode margin
Blended
54%
46.5%
Initial markupMaintained
7.5-pt markdown gap
Gift cards are a group liability
Gift-card liability$1.84M
Loyalty points$340K
Redeemed YTD 68% · breakage $121K
Store payouts arrive net
Gross sales$412K
Card + BNPL fees($12.5K)
Refunds netted($6.8K)
Rolling reserve($2.1K)
Net deposit$390.6K
Consolidation on close day
Flagship LLC
$6.8M
Mall Group
$4.1M
Plaza Stores
$3.6M
Airport Co.
$2.2M
14 of 18 entities closed · eliminations $2.3M
Built on retail's rulebook

Reporting standards retail runs on

From the NRF 4-5-4 calendar to RIM, ASC 842 leases and ASC 606 gift-card breakage, FinBoard speaks what your auditors and buyers expect.

Group P&L · 18 stores
Four-wall view
Store P&L
Amount
% sales
Net sales
$58.4M
100%
Cost of goods sold
$32.7M
56.0%
Gross margin
$25.7M
44.0%
Shrink & markdowns
$2.34M
4.0%
Store payroll
$9.05M
15.5%
Occupancy (ASC 842)
$5.26M
9.0%
Four-wall EBITDA
$6.42M
11.0%
Group operating income
$3.21M
5.5%
Gross margin and four-wall EBITDA are the two rows an operator manages to.
Stores · comp sales
Same-store YoY
Store
Net sales
Comp
Downtown Flagship
$6.8M
+4.2%
Riverside Mall
$4.1M
+1.1%
Westgate Center
$3.6M
-0.8%
Airport Kiosk
$2.2M
-3.4%
Eastside Plaza
$1.9M
-7.9%
Group comp sales+2.1% · target ≥ +3.0%
01NRF 4-5-4 retail calendar

Fiscal periods hold the same weekend mix, so sales compare truly year-over-year across every store.

02Retail inventory method

Estimates ending inventory and COGS from a cost-to-retail ratio across large SKU counts.

03ASC 842 · store leases

Nearly every store lease carries a right-of-use asset and lease liability on the balance sheet.

04ASC 606 · gift-card breakage

Cards are a contract liability until redeemed; breakage is recognized on the redemption pattern.

Comparable-store-sales, inventory valuation and lease schedules roll up automatically. FinBoard keeps them buyer-ready.

Connects to your stack

The tools you already run.

FinBoard reads from Shopify, Lightspeed, Square and your GL and writes back clean. A two-way sync that layers on top of your stack.

01Live connectors
SShopify POS
LSLightspeed
Square
NSNetSuite
qbQuickBooks
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Bring every entity into one intelligent workspace.

Book a 30-minute consultation with our team. Bring your trial balance, we'll walk through a live consolidation and scope your custom application.

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