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Pharmacy ROI Calculator

Analyse community pharmacy economics and PBS impact.

Community pharmacies blend PBS-script dispensing (regulated margins), OTC retail and professional services. Ownership is restricted to registered pharmacists.

Wages % of revenue
12–20%
Typical range
Rent % of revenue
4–8%
Typical range
COGS % of revenue
60–72%
Typical range
Net margin %
5–10%
Healthy band

Sources: Pharmacy Guild of Australia · IBISWorld — Pharmacies in Australia

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1

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

Pharmacy

Pharmacy · benchmarks: Australian industry data

HealthyLow Risk
Net Profit
$349,900
Margin 10.8%
EBITDA
$424,900
Before owner & loans
ROI
24.1%
Payback 4.1 yrs
DSCR
9.32
Debt cover ratio
Monthly Repayment
$3,801
$45,609 p.a.
Cashflow After Loan
$304,291
Break-even Revenue
$2,125,663
$40,878/week
Owner Earnings
$424,900
Profit + replacement salary

Investment Risk Score

100/100
Low Risk

Higher score = safer investment

Revenue Breakdown

  • COGS64.4%
  • Wages16.1%
  • Rent5.0%
  • Other3.7%
  • Net Profit10.8%

Industry Benchmarks · Pharmacy

vs Australian averages
Wage RatioHealthy
16.1%
Benchmark: 12%–20%
Rent RatioHealthy
5.0%
Benchmark: 4%–8%
COGS RatioHealthy
64.4%
Benchmark: 60%–72%
Net MarginHealthy
10.8%
Benchmark: 5%–10%

Loan Repayment Projection

Outstanding balance over loan term

Insights

Strengths
  • • Net margin 10.8% is within healthy range for Pharmacy.
  • • DSCR of 9.32 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 Pharmacy business?

Script revenue is PBS-regulated with margin pressure from 60-day dispensing reforms. Front-of-shop retail and professional services (vaccinations, MedsCheck, sleep apnoea) are growth areas.

Net margins 5–10% are typical. Larger pharmacies with strong front-shop and services can exceed this.

Pharmacy ownership in Australia is restricted to registered pharmacists — this materially limits the buyer pool and supports stable valuations.

Typical asking-price multiple

2× – 3.5× SDE (Seller's Discretionary Earnings). Pharmacies trade higher than general retail due to ownership restrictions.

Red flags
  • • 60-day dispensing impact not yet absorbed in financials
  • • Doctor co-located closing or relocating
  • • Wage costs > 22% (over-staffed roster)
  • • Limited professional services revenue
Green flags
  • • Co-located medical centre with stable GP roster
  • • Strong vaccination and professional services revenue
  • • Diversified front-of-shop with private label brands
Key due-diligence questions
  • 1. What's the script count trend and 60-day dispensing impact?
  • 2. What's the medical centre relationship and lease status?
  • 3. What's the professional services revenue breakdown?

Frequently asked questions