Financial ratios are used by managers inside the company and by lenders,credit-rating agencies,and investors outside of the company.

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Financial ratios are used by both internal and external stakeholders to analyze the financial performance of a company. Managers use financial ratios to make informed decisions about the company's operations, while lenders, credit-rating agencies, and investors use financial ratios to evaluate the company's creditworthiness, risk profile, and potential for returns.

Financial Ratios Are Used by Managers Inside the Company and by Lenders,credit-Rating