Check My ROI
AU Business Analysis

Newsagency & Lotto ROI Calculator

Analyse newsagency, lotto and gift retail economics.

Traditional newsagency revenue is declining, but lotto commissions, parcel services and greeting cards keep many viable. Understand the revenue mix before paying for goodwill.

Wages % of revenue
10–16%
Typical range
Rent % of revenue
5–9%
Typical range
COGS % of revenue
65–78%
Typical range
Net margin %
4–8%
Healthy band

Sources: ATO Small Business Benchmarks — Newsagents · IBISWorld — Newspaper, Book and Stationery Retailing

Auto-fill from financials

Upload a P&L, BAS, tax return, Xero/MYOB export or broker IM — AI extracts the numbers and tells you what's missing.

PDF · Excel · CSV · DOCX · JPG/PNG · up to 5 files · 10 MB each

Upload P&L + BAS + tax return together for the most complete fill. Files are processed in memory for extraction only — not stored.

1

Business Details

2

Revenue

3

Annual Expenses

4

Purchase & Loan

5

Owner Details

Owner salary already in expenses?
Toggle off to deduct a replacement wage.
6

Scenario Testing

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

Newsagency

Newsagency · benchmarks: Australian industry data

At RiskHigh Risk
Net Profit
-$18,100
Margin -2.2%
EBITDA
$56,900
Before owner & loans
ROI
-7.9%
Payback — yrs
DSCR
1.25
Debt cover ratio
Monthly Repayment
$3,801
$45,609 p.a.
Cashflow After Loan
-$63,709
Break-even Revenue
$1,052,844
$20,247/week
Owner Earnings
$56,900
Profit + replacement salary

Investment Risk Score

36/100
High Risk

Higher score = safer investment

Revenue Breakdown

  • COGS67.3%
  • Wages13.0%
  • Rent7.2%
  • Other14.8%
  • Net Profit0.0%

Industry Benchmarks · Newsagency

vs Australian averages
Wage RatioHealthy
13.0%
Benchmark: 10%–16%
Rent RatioHealthy
7.2%
Benchmark: 5%–9%
COGS RatioHealthy
67.3%
Benchmark: 65%–78%
Net MarginAt Risk
-2.2%
Benchmark: 4%–8%

Loan Repayment Projection

Outstanding balance over loan term

Insights

Strengths
  • No standout strengths yet.
Weaknesses
  • No major weaknesses detected.
Red Flags
  • • Cashflow after loan repayments is negative (-$63,709).
  • • Business is operating at a loss.
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?
Want to save this analysis?

Open the full analyse tool to save, export and share with your accountant.

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 Newsagency business?

Lotto commissions (typically 9% of sales) carry the business. The Tatts/Lottery Corporation territory licence has significant value.

Print media (newspapers, magazines) is in long-term decline — typically 15–25% of revenue and falling. Don't pay for that revenue stream as if it's stable.

Greeting cards (40–50% gross margin), gifts and stationery add diversification.

Typical asking-price multiple

1.5× – 2.5× SDE (Seller's Discretionary Earnings). Lotto-licensed sites with high commissions trade at the upper end.

Red flags
  • • Lotto licence territory at risk of restructuring
  • • Magazine/newspaper revenue falling > 10% p.a.
  • • AusPost / parcel agreement under renegotiation
  • • Lease short with rent above 9%
Green flags
  • • High lotto commission revenue with consistent jackpot trade
  • • Strong gift and card categories with 40%+ GP
  • • Parcel/agency services driving foot traffic
Key due-diligence questions
  • 1. What's the lotto commission revenue and any territory changes?
  • 2. What % of revenue is from print media (declining category)?
  • 3. Are agency agreements (AusPost, BPay) transferring?

Frequently asked questions