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Convenience Store ROI Calculator

Model corner store, convenience and 7-Eleven-style economics.

Convenience stores run on volume, long hours and tight margins. Tobacco, lotto and fuel commissions (where applicable) drive much of the gross profit.

Wages % of revenue
8–15%
Typical range
Rent % of revenue
4–8%
Typical range
COGS % of revenue
60–75%
Typical range
Net margin %
4–9%
Healthy band

Sources: ATO Small Business Benchmarks — Convenience stores · IBISWorld — Convenience Stores in Australia

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Business Details

2

Revenue

3

Annual Expenses

4

Purchase & Loan

5

Owner Details

Owner salary already in expenses?
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6

Scenario Testing

Sales Drop0%
Rent Increase0%
Wage Increase0%
Interest Rate Rise0pp
Live Analysis

Convenience Store

Convenience Store · benchmarks: Australian industry data

HealthyLow Risk
Net Profit
$57,900
Margin 5.9%
EBITDA
$132,900
Before owner & loans
ROI
22.3%
Payback 4.5 yrs
DSCR
2.91
Debt cover ratio
Monthly Repayment
$3,801
$45,609 p.a.
Cashflow After Loan
$12,291
Break-even Revenue
$937,736
$18,033/week
Owner Earnings
$132,900
Profit + replacement salary

Investment Risk Score

100/100
Low Risk

Higher score = safer investment

Revenue Breakdown

  • COGS65.3%
  • Wages11.2%
  • Rent5.3%
  • Other12.3%
  • Net Profit5.9%

Industry Benchmarks · Convenience Store

vs Australian averages
Wage RatioHealthy
11.2%
Benchmark: 8%–15%
Rent RatioHealthy
5.3%
Benchmark: 4%–8%
COGS RatioHealthy
65.3%
Benchmark: 60%–75%
Net MarginHealthy
5.9%
Benchmark: 4%–9%

Loan Repayment Projection

Outstanding balance over loan term

Insights

Strengths
  • • Net margin 5.9% is within healthy range for Convenience Store.
  • • DSCR of 2.91 indicates comfortable loan serviceability.
Weaknesses
  • No major weaknesses detected.
Red Flags
  • No red flags.
Buyer Questions
  • • Can you provide 3 years of tax returns and BAS statements?
  • • What is the remaining lease term and rent review schedule?
  • • Are there any key staff dependencies or pending resignations?
  • • How transferable are supplier and franchise agreements?
  • • Why is the current owner selling?
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General information only. This calculator provides general information only and does not take into account your personal circumstances, financial situation, objectives, taxation position, or business needs. Please seek independent professional advice before making financial or business decisions.

What makes a healthy Convenience Store business?

Average net margins of 4–9% — most of the gross profit comes from a few high-margin categories (drinks, ice cream, hot food) rather than the bulk of stock.

Tobacco can be 30–50% of revenue but only 8–10% gross margin. Don't be misled by big top-line numbers.

Owner-operator hours are typically 70+ per week. Replacement wages dramatically change net margin — model this honestly.

Typical asking-price multiple

1.5× – 2.5× SDE (Seller's Discretionary Earnings). Sites with fuel or lotto commissions can reach 3× SDE.

Red flags
  • • Tobacco > 50% of revenue (vulnerable to regulation)
  • • Owner working 80+ hours unpaid
  • • Lease shorter than 3 years
  • • Cash sales unverifiable in tax returns
Green flags
  • • Diversified revenue: hot food, coffee, lotto, parcels
  • • Long lease with options
  • • Reliable second-in-charge staff member
Key due-diligence questions
  • 1. Can I see 24 months of BAS and tax returns?
  • 2. What's the tobacco vs non-tobacco revenue split?
  • 3. What hours is the owner working currently?
  • 4. Are there lotto or AusPost commission agreements?

Frequently asked questions