FMCG & Retail performance systems

Pricing control, margin health, cashflow impact and ROI in one centralised ecosystem.

Pencil Analytics builds practical retail decision systems that turn commercial financial and operational data into one management view. This view helps management see profitable growth, margin landing, inventory pressure, cashflow movement, P&L impact and where strategic action is required.

01Sales and margin landing command center
02Actuarial pricing and margin engine
03Cashflow, P&L and GMROI optimisation
04Contract simulated impact within the business
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What We Help You Control

Commercial performance connected to financial landing.

Pencil Analytics connects pricing, sales, inventory, promotions, contract simulations and operational movement to the financial impact that management needs to act on.

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Pricing control

Monitor price floors, customer terms, discounts, rebates, price adequacy and price change impact.

  • Price floor logic
  • Customer price alignment
  • Price adequacy review
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Margin health and landing

Track current margin health and simulate where GP, GP%, UGP and margin leakage are likely to land.

  • Margin landing view
  • COGS and rebate impact
  • Price mix effect
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Cashflow and working capital

Connect stock investment, payment timing, commercial terms and operational execution to cashflow pressure.

  • Cashflow impact
  • Working capital view
  • Payment timing logic
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P&L impact

Translate pricing, promotions, inventory movement and contract scenarios into expected P&L effect.

  • Revenue bridge
  • Gross profit bridge
  • P&L simulation
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Inventory and GMROI

Measure whether inventory is creating enough gross margin return after considering stock pressure and movement quality.

  • Aged stock
  • Availability risk
  • Commercial GMROI
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Promotion actual impact

Compare expected promotion performance with actual sales, margin, product movement and customer response.

  • Expected versus actual
  • Post promotion behaviour
  • Repeat, adjust or stop logic
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Contract simulated impact

Simulate how commercial commitments, support structures and payment timing affect margin, cashflow and direction.

  • Contract impact model
  • Scenario testing
  • Financial landing view
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Strategy guidance

Convert performance signals into management action across products, customers, campaigns, contracts and inventory.

  • Push, hold or reduce
  • Renegotiate or delay
  • Stop or phase out
Σ

Actuarial pricing engine

Apply credibility, expected margin, downside risk and scenario logic to support retail pricing and strategic decisions.

  • Credibility scoring
  • Demand response view
  • Stress testing
Financial Landing & Actuarial Decision Layer

From commercial movement to strategy guidance.

Pencil Analytics does not stop at sales dashboards. The retail ecosystem links commercial behaviour to expected margin landing, company cashflow, P&L impact, promotion actual impact and strategic action. The actuarial pricing engine supports this flow by weighting signals based on credibility, expected return, downside risk and scenario behaviour.

01 Input

Commercial movement

Sales, pricing, customer mix, product mix, promotions, inventory, costs and contract scenarios.

02 Engine

Actuarial pricing logic

Price adequacy, credibility weighting, demand response, expected margin and downside testing.

03 Landing

Financial impact

Margin landing, P&L impact, cashflow pressure, working capital and GMROI movement.

04 Action

Management strategy

Push, hold, reduce, renegotiate, delay, stop or phase out based on commercial and financial viability.

Push
Hold
Reduce
Renegotiate
Delay
Stop
FMCG & Retail Service Modules

Retail decision systems with commercial and financial depth.

A modular structure for building command centers, pricing engines, financial impact models, trackers and management rhythm.

01

Sales & Margin Landing Command Center

Connects sales, customers, SKUs, GP, UGP, GP%, price mix and expected margin landing in one performance view.

  • Sales and margin dashboard
  • Customer and SKU profitability
  • Margin landing pack
02

Actuarial Pricing & Margin Engine

Uses pricing adequacy, credibility weighting, demand response and scenario logic to support price and margin decisions.

  • Price adequacy view
  • Credibility based scoring
  • Downside risk testing
03

Cashflow & P&L Impact Monitor

Links pricing, inventory, promotions and contract simulations to cashflow pressure, working capital and P&L impact.

  • Cashflow movement view
  • P&L simulation
  • Financial impact model
04

Inventory, GMROI & Availability Monitor

Measures whether inventory is supporting sales, availability, margin return and cash discipline.

  • GMROI dashboard
  • Aged stock action report
  • Availability and stock out risk
05

Promotion Actual Impact Tracker

Compares expected promotion performance with actual sales, margin, customer response and product behaviour.

  • Expected versus actual view
  • Promotion margin impact
  • Repeat, adjust or stop recommendation
06

Contract Simulated Impact

Models how contract terms, price commitments, support structures and payment timing affect margin, cashflow and business direction.

  • Contract simulation model
  • Financial landing view
  • Contract impact pack
07

Strategic Portfolio Decision Engine

Guides decisions on product launch, deletion, phase out, assortment, price point strategy and portfolio direction.

  • Push, hold or reduce logic
  • Phase out and deletion view
  • Portfolio direction tracker
08

Management Action & Governance Rhythm

Turns analysis into action through approval flows, decision scorecards, action trackers and monthly management packs.

  • Decision scorecard
  • Action tracker
  • Monthly review rhythm
Business Questions

Management questions supported by the ecosystem.

The focus is earlier action across margin, cashflow, inventory, promotions, pricing and strategy.

Where are sales and margin likely to land?
How will today’s actions affect company cashflow?
Which products, customers and price points are protecting margin?
Is inventory creating enough gross margin return?
What was the actual impact of promotions?
Which contract scenarios improve or weaken financial landing?
Which signals are credible enough for pricing action?
What should management push, adjust, delay or stop?
How The Work Connects

Data foundation → actuarial pricing engine → financial landing → strategy.

Data, pricing logic, cashflow, P&L, margin landing, contract simulations, promotion impact and action rhythm operate together as one practical model.

01

Diagnose

Map sales, margin, cashflow, inventory, promotion, pricing and management decision gaps.

02

Structure

Define master files, hierarchies, financial measures, landing logic and governance rules.

03

Model

Build actuarial pricing logic, margin simulations, cashflow views and P&L impact models.

04

Simulate

Test price, promotion, inventory and contract scenarios before management commits.

05

Guide

Turn results into push, hold, reduce, renegotiate, delay, stop or phase out actions.

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