What is the rule of 40 with ARR?

Asked by: Briana Crona  |  Last update: July 11, 2025
Score: 4.9/5 (32 votes)

The Rule of 40 states that the sum of a healthy SaaS company's annual recurring revenue growth rate and its EBITDA margin should be equal to or exceed 40%. It is a measure of how well a SaaS balances growth with profitability.

What is rule of 40 in financials?

The Rule of 40 – popularized by Brad Feld – states that an SaaS company's revenue growth rate plus profit margin should be equal to or exceed 40%. The Rule of 40 equation is the sum of the recurring revenue growth rate (%) and EBITDA margin (%).

What is the rule of 40 on adjusted operating income?

It suggests that the sum of a company's top line year over year growth rate (annual recurring revenue growth percentage) and its EBITDA margin should ideally be at least 40%. This rule helps buyers and investors evaluate whether a company is effectively balancing growth with profitability.

Does the rule of 40 still apply?

Companies may hit the Rule of 40 in one period but fail to sustain it over the long term. Thus, while useful for a quick assessment, the Rule of 40 should be part of a broader, ongoing evaluation process to inform long-term strategy. The Rule of 40 does not address capital efficiency.

What is a reasonable arr multiple?

What Is a Good ARR Multiple? This depends on the SaaS company's sub-niche, but some general industry benchmarks exist to determine a decent ARR Multiple. In Q1 2023, the multiple for U.S SaaS companies is 6.7x. That means the multiple could be from 3x to 15x of annual revenue.

The SaaS Rule of 40 | How to Calculate and Why It Matters

32 related questions found

What is the rule of 40 ARR?

The Rule of 40 states that the sum of a healthy SaaS company's annual recurring revenue growth rate and its EBITDA margin should be equal to or exceed 40%. It is a measure of how well a SaaS balances growth with profitability.

How much is a business worth with $1 million in sales?

The Revenue Multiple (times revenue) Method

A venture that earns $1 million per year in revenue, for example, could have a multiple of 2 or 3 applied to it, resulting in a $2 or $3 million valuation. Another business might earn just $500,000 per year and earn a multiple of 0.5, yielding a valuation of $250,000.

What is the 3 3 2 2 2 rule of SaaS?

The rule of thumb for growth rate expectations at a successful SaaS company being managed for aggressive growth is 3, 3, 2, 2, 2: starting from a material baseline (e.g., over $1 million in annual recurring revenue [ARR]), the business needs to triple annual revenues for two consecutive years and then double them for ...

Who does Rule 40 apply to?

The rule applies to participants in the Olympic or Paralympic Summer Games 2024, including current competitors, coaches, trainers and officials. It only applies to participants in the current Games and is not applicable to alumni.

What is the Cramer rule of 40?

Rule of 40 Definition: In Software as a Service (SaaS) financial models, the “Rule of 40” states that a company's Revenue Growth + EBITDA Margin should equal or exceed 40% to be considered “healthy”; companies that exceed it by a wider margin may be valued more highly.

What is the magic number in SaaS?

The SaaS Magic Number is a widely used formula to measure sales efficiency. It measures the output of a year's worth of revenue growth for every dollar spent on sales and marketing. To think of it another way, for every dollar in S&M spend, how many dollars of ARR do you create.

What is the 40 40 20 rule for income?

The 40/40/20 rule comes in during the saving phase of his wealth creation formula. Cardone says that from your gross income, 40% should be set aside for taxes, 40% should be saved, and you should live off of the remaining 20%.

What is the difference between EBITDA and arr?

ARR – The company's annual recurring revenue. EBITDA – The company's earnings before interest, taxation, depreciation, and amortization; basically the same as operating cash flow, except it takes interest and taxes into account.

What is the golden rule of financial account?

What are the Golden Rules of Accounting? 1) Debit what comes in - credit what goes out. 2) Credit the giver and Debit the Receiver. 3) Credit all income and debit all expenses.

What is 40 in accounting?

The Rule of 40 is a straightforward metric calculated using two key inputs growth and profit margin.To find the Rule of 40, a company can simply add the growth in percentage terms to the profit margin. The term is called the Rule of 40 because preferred outcomes should be greater than or equal to 40.

What is a Rule 40?

In June 2019, the IOC updated Rule 40 of the Olympic Charter and established a set of Key Principles. These Key Principles set out how participants, including athletes participating in the Olympic Games can engage in, and benefit from, commercial activities around the Games.

What are the Rule 40 restrictions?

Essentially, Rule 40 prohibits athletes (and others who are accredited for the Games ) from agreeing to appear in all forms of advertising during, and for a short period before, the Games, without permission of the International Olympic Committee (IOC).

What is a Rule 40 motion?

Rule 40. Panel Rehearing; En Banc Determination. (a) A Party's Options. A party may seek rehearing of a decision through a petition for panel rehearing, a petition for rehearing en banc, or both. Unless a local rule provides otherwise, a party seeking both forms of rehearing must file the petitions as a single document ...

What is the rule of 40 for Ebitda?

The Rule of 40 says that the sum of the revenue growth rate and the profit margin should be 40% or higher. Because this metric takes into account both growth and profit, it allows investors and stakeholders a way to quickly determine whether a SaaS company is balancing growth with profitability.

What is the 80 20 rule in SaaS?

The 80/20 rule has applications in computing and social behavior but has also been observed in economics and business. When applying this principle to business, the common observation is that 20% of the activities in a business lead to 80% of the results.

What is the average arr multiple for SaaS?

What are ARR valuation trends in 2023? ARR valuation multiples currently stand at 5.5x. This means that an average SaaS company generating $10M revenue can expect a valuation of $55M.

How much is a business worth with $500,000 in sales?

To find the fair market value, it is then necessary to divide that figure by the capitalization rate. Therefore, the income approach would reveal the following calculations. Projected sales are $500,000, and the capitalization rate is 25%, so the fair market value is $125,000.

How much can you sell a business for that makes 100k a year?

The EBITDA Multiple Rule

The specific multiple used often ranges from 2 to 6 times EBITDA depending on the size, industry, profit margins, and growth prospects. For example, a retail store doing $100,000 in annual EBITDA could be valued roughly at $200,000 to $600,000 based on a 2X – 6X EBITDA rule of thumb.

What is a good revenue multiple?

3x to 5x – Startups in this category are middle of the pack. Investors consider these companies as a fair shot to success. More than 10x – This category is the 'A-list' as per investors. Startups displaying a 10x or more valuation have the highest chances of growth, profits, and expansion.