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Margin, ROI and payback, in plain English

Three financial terms this site uses constantly, explained without jargon.

Core concepts · 5 min read

Margin

Margin is profit as a share of the sale price. Sell something for $100 and keep $30, and your margin is 30%.

It tells you how much cushion you have. A 40% margin can absorb a big rise in material prices before it becomes a loss; a 4% margin cannot. Use margin to judge how risky a production line is, not how good it is — a high margin on a product that barely sells is worth less than a thin margin on something that moves constantly.

Return on investment (ROI)

ROI compares what you got back against what you put in. Spend $100,000 on a building that earns you $30,000 over a month, and the ROI for that month is 30%.

It is the right tool for comparing things that cost different amounts. A building that earns $500 a day on $1,000,000 is worse than one earning $100 a day on $50,000, even though the first number is bigger.

Payback period

Payback is simply how long until an investment has earned back what it cost. A $100,000 building earning $500 an hour pays back in 200 hours.

This is usually the most useful of the three for building decisions, because it is intuitive and it captures risk: a building that pays back in three days is a small bet, and one that pays back in four months is a commitment to prices staying roughly where they are.

Payback ignores everything after the break-even point, so it can favour something fast and small over something slow and much larger. Use it alongside ROI, not instead of it.

Which to use when

Deciding what to produce? Profit per hour, with margin as a risk check.

Deciding whether to build or upgrade? Payback period first, ROI to compare against alternatives.

Deciding between two very different-sized investments? ROI, or profit per hour per dollar of capital.

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