Guide · SaaS Finance

SaaS metrics – the numbers investors actually care about.

SaaS businesses report metrics that look similar but hide meaningful differences. ARR is simple; net revenue retention is more complex than most dashboards show. This guide covers the core SaaS metrics, how to calculate them correctly, the common gaming that happens, and what "good" looks like by stage.

Revenue metrics

Core revenue metrics

MRR and ARR (monthly/annual recurring revenue)

The base SaaS revenue metric. MRR is the normalized monthly subscription revenue across all active customers. ARR = MRR × 12.

What counts: subscription revenue only. Recurring product revenue that will continue unless churned.

What doesn't count: implementation fees, one-time services, non-recurring transactions, add-ons that aren't subscription. These are sometimes forced into MRR to inflate numbers; be skeptical.

Common gaming:

  • Annualized contract values booked as ARR day-1 even when customer only paid 1 month
  • Free trial conversions counted early
  • Committed usage annualized at peak rather than average
  • Implementation fees amortized into MRR

New ARR, Expansion ARR, Contraction ARR, Churned ARR

The ARR waterfall:

  • Starting ARR
  • + New ARR (new customers)
  • + Expansion ARR (existing customers upgrading, adding seats)
  • − Contraction ARR (existing customers downgrading)
  • − Churned ARR (customers canceling)
  • = Ending ARR

Tracking each component separately enables real analysis. A company growing 30% could be: healthy (40% new + 10% expansion − 15% churn − 5% contraction) or troubled (70% new + 5% expansion − 35% churn − 10% contraction). Same 30% growth, very different businesses.

Retention metrics

Retention and expansion metrics

Gross Revenue Retention (GRR)

GRR measures revenue retained from existing customers excluding expansion. Formula:

GRR = (Starting ARR − Churned ARR − Contraction ARR) / Starting ARR

GRR cap is 100% (no expansion counts). Below 100% means losing customer revenue.

Best-in-class SaaS: GRR above 92%. Mid-pack: 85–92%. Troubled: under 80%.

Net Revenue Retention (NRR)

NRR measures revenue retained including expansion. Formula:

NRR = (Starting ARR − Churned ARR − Contraction ARR + Expansion ARR) / Starting ARR

NRR can exceed 100% when expansion exceeds churn + contraction.

Best-in-class SaaS: NRR 120%+. Mid-pack: 100–115%. Below 100% means existing customer base is contracting.

Logo retention vs revenue retention

Logo retention counts number of customers retained; revenue retention weights by revenue. Important to track both – losing 20% of customers but only 5% of revenue is different from losing 20% of each.

Cohort analysis

Cohort analysis groups customers by signup month/quarter and tracks retention over time. Shows whether product improvements are translating to better retention for newer cohorts. More valuable than single-number retention metrics.

Unit economics

Unit economics: CAC, LTV, payback

Customer Acquisition Cost (CAC)

Total sales and marketing spend / new customers acquired in same period.

Common errors: excluding certain marketing costs, counting self-served signups at $0 CAC when marketing cost drove acquisition, attributing across too short a time window.

Blended CAC includes all new customers. Paid CAC only includes customers from paid channels. Organic CAC is often lower and not comparable to paid.

Customer Lifetime Value (LTV)

Simple formula: Average revenue per customer / churn rate. More realistic: weighted by expansion, contraction, customer-level margin.

Common errors: using gross revenue rather than gross profit (LTV should reflect margin not revenue); assuming constant churn at mature levels when newer cohorts churn higher; ignoring payback period in LTV calculation.

LTV/CAC ratio

LTV / CAC – the bellwether unit economics metric. Venture benchmarks:

  • LTV/CAC > 3: healthy
  • LTV/CAC 2–3: workable
  • LTV/CAC under 2: problematic

CAC payback period

How many months until gross profit from a customer exceeds CAC to acquire. For SaaS:

  • Under 12 months: excellent
  • 12–18 months: good
  • 18–24 months: workable
  • Over 24 months: capital-intensive, harder to scale profitably
Rule of 40

Rule of 40 and efficiency metrics

Rule of 40

Growth rate + profit margin ≥ 40%. Applied as:

  • Revenue growth rate (%, year-over-year)
  • + Operating margin (%, or free cash flow margin)
  • ≥ 40%

Examples:

  • 80% growth, −40% margin: 40 (passes)
  • 30% growth, 10% margin: 40 (passes)
  • 50% growth, −20% margin: 30 (fails)

Rule of 40 is a quick health check. Companies with very high growth can run negative margin; mature companies with modest growth should show healthy margins. Companies failing both growth and margin (e.g., 15% growth, 0% margin) are concerning.

Burn multiple

Net cash burn / net new ARR added. Measures capital efficiency of growth:

  • Under 1: very efficient
  • 1–1.5: efficient
  • 1.5–2: acceptable in growth phase
  • Over 2: burning too much cash per dollar of ARR added

Magic Number

Net new ARR (annualized) / sales and marketing spend in period. Measures sales efficiency:

  • Over 1.0: add fuel (invest more in sales/marketing)
  • 0.5–1.0: balanced
  • Under 0.5: review go-to-market
Stage-appropriate metrics: seed-stage SaaS shouldn't be judged by Rule of 40 (barely have margin to compute). Series A starts looking at unit economics. Series B+ is where these metrics become diligence-standard. Public SaaS companies report these as standard.

Related: SaaS bookkeeping by stage, ASC 606 revenue recognition, SaaS industry page.

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