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Store P&L template: building a store profit model line by line

A line-by-line store profit and loss structure with the formulas, the benchmarks to sanity-check each line, and the break-even calculation.

Guide 5 of 9 · 10 min read · Updated 8 August 2026

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A store P&L only needs about fifteen lines. The value is in getting the structure right so that two stores, two markets and two years are actually comparable, and so the break-even point is visible before the lease is signed.

The structure

LineFormulaSanity check
Gross salesTransactions x average basketTraffic x conversion should reconcile
Returns and discounts% of gross salesCompare with category norm
Net salesGross less returns and discountsThis is the base for all ratios
Cost of goodsNet sales x (1 - gross margin)Landed cost, not ex-works
Gross profitNet sales less cost of goodsBefore markdown, state clearly
Markdown% of net salesRising markdown means a buying problem
Store payrollHours x loaded rateInclude statutory contributions
RentBase or turnover, whichever appliesCheck the sales definition
Service charge and utilitiesFixed plus variableOften 30-50% on top of rent
Other store costsConsumables, cleaning, securitySmall but consistently underestimated
Store contributionGross profit less all store costsThe number that decides the store
Central allocationShare of head officeKeep visible but below contribution
Store profitContribution less allocationUsed for network comparison only

Break-even

Break-even sales equals fixed store costs divided by the contribution margin percentage after variable costs. Fixed costs are rent, base payroll, service charge and other fixed store costs. Contribution margin is gross margin less markdown and less any variable payroll and transaction fees.

Run it in both directions: what sales are needed to break even, and what the store must sell per trading day and per square metre to reach that. The second version is what a store manager can act on.

Where net sales go in a typical mall specialty store
  • Cost of goods45% of net sales
  • Markdown6% of net sales
  • Payroll14% of net sales
  • Occupancy18% of net sales
  • Other store costs5% of net sales
  • Contribution12% of net sales

Illustrative. Contribution is what is left before central allocation.

Break-even sales equals fixed store costs divided by the contribution margin percentage after variable costs.

Rules that keep it comparable

  • Always report contribution before central allocation as the store's own number.
  • Keep markdown as a separate line; folding it into cost of goods hides buying performance.
  • Use landed cost of goods, including duty and inbound freight.
  • State whether rent is pre- or post-lease-accounting treatment and stay consistent.

Using it before signing a lease

Build the model with three cases: a conservative case using the lowest comparable store in the network, a base case, and a landlord case using the footfall the landlord quotes. If the conservative case does not break even inside the payback horizon, the lease needs a break clause or a lower rent, not more optimism.

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