Profitability

OPM
NPM

Return Ratios
ROE
ROA
ROCE

Stability Ratios
Debt / Equity
Interest Coverage

Solvency Ratio
Current Ratio
Quick Ratio

Turnover Ratios
Receivable Turnover ratio
Inventory Turnover Ratio
Payable Turnover Ratio
Asset Turnover ratio

Dupont Analysis
ROE
NPM
Asset Turnover
Assets / Equity

Cash Conversion Cycle

Receivable Days
Inventory Days
Payable Days

Cash Conversion Cycle

Costs as percentage of sales

Raw Material Cost
Power and Fuel
Other Mfr. Exp
Employee Cost
Selling and admin
Other Expenses
Depreciation
Interest

CFO
PAT as a % of CFO
Capex
FCF
Cash + Inv
Dividend
FCF/CFO

Gearing
Total Indebtedness Ratio
DSCR
CDSCR
NCATD
Years to Pay Debt
Total Debt to CFO
Total Debt to EBIDTA
Interest Cost

Growth in Net Sales

Growth in Total Operating Income
Growth in EBIDTA
Growth in PAT

Cash accruals
RONW

Borrowings/CFO
Total Liabilities/CFO
 March/12

Operating Profit / Net Sales 61.5%

Net Profit / Net Sales 18.6%

Net Profit / Total Shareholder Equity 17.4%

EBIT / Total Assets 6.7%
EBIT / (Shareholder Equity + Debt) 7.5%

Long Term Debt / Equity 9.03

EBIT / Interest 1.51

Current Assets / Current Liabilities 0.56

(Current Assets - Inventory) / Current Liabilities 0.56

Sales / Receivables #DIV/0!

Sales / Inventory #DIV/0!
Sales / Payables 1.49
Sales/Fixed Assets 11.86

NPM*Asset Turnover*Leverage 17.4%

Net Profit / Net Sales 18.6%
Net Sales / Total Assets 0.08
Total Assets / Shareholder Equity 11.29

365 / RTR #DIV/0!

365 / ITR #DIV/0!
365 / PTR 245.79

#DIV/0!

94.06%
as % of sales 0.00%
as % of sales 0.00%
as % of sales 2.22%
as % of sales 12.68%
as % of sales 6.26%
as % of sales 17.36%
as % of sales 1.97%
as % of sales 53.58%

-19,381.24
PAT/CFO -27.1%
Present year - Previous Year + Dep (maintenance capex)
CFO - Capex
117970.27
1009.08

Total Debt/Tangible Networth 10.29

Total Outside Liability/Tangible Networth Usua
EBIDTA/Debt within a Year + Interest 0.08
EBIDTA-25% of WC/Debt within a Year + Interest -0.10
PAT-Dividends+Dep/Tota Debt Outstanding 0.02
1/NCATD 43.10
Total Debt/CFO -16.04
Total Debt/EBIDTA 13.33
Interest Outgo/Debt 5.5%

(Present Year - Previous Year)/Previous Year

(Present Year - Previous Year)/Previous Year
(Present Year - Previous Year)/Previous Year
(Present Year - Previous Year)/Previous Year

Profit + All non cash items 5,801

PAT/Tangible Net Worth 17.37%

-1407.93%
-1603.8%
March/13 March/14 March/15 March/16 March/17 March/18 March/19 March/20 March/21

64.8% 68.3% 68.1% 68.2% 67.4% 65.4% 66.9% 62.8% 59.2%

19.2% 20.5% 21.1% 20.3% 20.9% 21.7% 21.2% 22.3% 24.8%

18.7% 19.8% 16.9% 17.2% 16.6% 16.9% 14.5% 15.5% 15.2%

7.3% 7.3% 7.1% 7.0% 6.9% 6.4% 6.8% 6.3% 5.7%
8.0% 8.0% 7.6% 7.4% 7.4% 6.7% 7.1% 6.6% 5.9%

9.16 9.43 8.07 8.74 8.08 8.62 7.03 7.56 7.20

1.51 1.56 1.59 1.57 1.61 1.67 1.64 1.61 1.72

0.78 0.93 1.07 1.02 0.84 2.52 1.39 1.23 1.55

0.78 0.93 1.07 1.02 0.84 2.52 1.39 1.23 1.55

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
2.02 1.99 2.96 3.30 2.48 3.50 3.57 3.42 3.28
12.93 14.06 15.71 17.22 18.32 21.28 24.07 25.59 24.49

18.7% 19.8% 16.9% 17.2% 16.6% 16.9% 14.5% 15.5% 15.2%

19.2% 20.5% 21.1% 20.3% 20.9% 21.7% 21.2% 22.3% 24.8%
0.09 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.07
11.13 11.40 9.61 10.26 9.72 10.07 8.41 8.96 8.58

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
180.62 183.45 123.12 110.73 146.95 104.36 102.21 106.69 111.13

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

91.99% 88.45% 87.10% 86.86% 85.69% 85.45% 85.38% 89.10% 87.97%

0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
2.16% 1.88% 1.70% 1.65% 1.74% 1.54% 1.22% 1.06% 1.28%
11.72% 10.56% 10.19% 9.99% 11.61% 10.78% 9.94% 10.58% 10.64%
 5.90% 5.22% 5.14% 4.82% 4.54% 4.29% 3.71% 3.43% 3.72%
15.44% 14.09% 14.88% 15.30% 14.67% 18.01% 18.27% 22.14% 25.16%
1.85% 1.62% 1.34% 1.17% 1.21% 1.13% 1.16% 1.04% 1.08%
54.92% 55.09% 53.86% 53.94% 51.92% 49.69% 51.08% 50.85% 46.09%

-5,847.33 4,210.63 -21,280.98 -34,435.37 17,281.59 17,214.38 -62,871.54 -16,869.09 42,476.46

-117.5% 207.7% -50.2% -37.2% 88.4% 107.5% -35.5% -161.6% 74.9%
1058.67 941.64 879.11 1179.95 1219.03 975.21 1581.17 1683.79 1857.71
-6906.00 3268.99 -22160.09 -35615.32 16062.56 16239.17 -64452.71 -18552.88 40618.75
138491.57 159484.49 185980.84 232702.73 260088.23 361522.48 371263.51 477245.06 560095.64
1308.67 1643.35 2005.2 2401.79 2818.8 3373.63 4084.95 1370.82 3583.32
1.18 0.78 1.04 1.03 0.93 0.94 1.03 1.10 0.96

10.13 10.40 8.61 9.26 8.72 9.07 7.41 7.96 7.58

Usually impotant when you have large non fund based liability
0.08 0.08 0.08 0.08 0.08 0.07 0.08 0.07 0.06
-0.10 -0.11 -0.11 -0.11 -0.12 -0.13 -0.13 -0.13 -0.14
0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03
39.65 37.49 36.87 38.54 37.30 38.13 36.22 36.86 39.16
-63.46 109.12 -25.56 -19.98 46.32 57.72 -18.12 -83.26 37.43
12.22 12.30 12.35 12.66 12.85 13.84 12.76 13.82 15.37
5.9% 5.6% 5.4% 5.2% 5.1% 4.5% 5.0% 4.7% 3.9%

27.20% 18.67% 19.06% 24.66% 16.01% 16.40% 23.30% 16.19% 5.21%

34.00% 25.04% 18.78% 24.94% 14.64% 12.83% 26.09% 9.14% -0.83%
30.16% 23.00% 17.95% 23.32% 14.73% 15.23% 24.28% 13.85% 1.79%
30.92% 27.28% 22.25% 19.76% 19.37% 21.14% 20.65% 22.04% 16.80%

7,533 9,432 11,369 13,539 16,167 19,477 23,553 28,531 33,218

18.75% 19.80% 16.93% 17.23% 16.65% 16.89% 14.53% 15.45% 15.17%

-5739.17% 9895.84% -2395.39% -1886.40% 4290.98% 5488.53% -1718.16% -7902.27% 3558.25%

-6346.1% 10911.7% -2556.0% -1997.7% 4632.4% 5771.8% -1811.8% -8325.7% 3742.5%
promoters which are subordinated to the outside loans, equity share warrants, share application money, ESOPs outstanding, minority inte
consolidated financials).
ESOPs outstanding, minority interest (in case of
 A B C D E F G H I J K L M N
1 HDFC BANK LTD SCREENER.IN
2
3 Narration Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Trailing Best Case Worst Case
4 Sales 28,193.40 35,861.02 42,555.02 50,666.49 63,161.56 73,271.35 85,287.84 105,160.74 122,189.29 128,552.39 130,232.72 147,393.33 135,334.36
5 Expenses 10,857.95 12,631.26 13,507.73 16,163.81 20,054.62 23,855.69 29,532.26 34,856.27 45,459.21 52,456.54 57,834.17 54,986.17 60,099.72
6 Operating Profit 17,335.45 23,229.76 29,047.29 34,502.68 43,106.94 49,415.66 55,755.58 70,304.47 76,730.08 76,095.85 72,398.55 92,407.16 75,234.64
7 Other Income 5,992.32 7,132.96 8,297.50 9,545.68 11,211.65 12,905.08 16,056.60 18,947.05 24,878.97 27,332.88 30,885.49 - -
8 Depreciation 554.16 663.26 688.68 680.45 738.03 886.19 966.78 1,220.67 1,276.77 1,385.01 - - -
9 Interest 15,106.12 19,695.45 23,445.45 27,288.46 34,069.57 38,041.58 42,381.48 53,712.69 62,137.42 59,247.58 57,239.70 57,239.70 57,239.70
10 Profit before tax 7,667.49 10,004.01 13,210.66 16,079.45 19,510.99 23,392.97 28,463.92 34,318.16 38,194.86 42,796.14 46,044.34 35,167.46 17,994.94
11 Tax 2,394.09 3,103.73 4,446.15 5,379.40 6,693.66 8,078.12 9,903.08 11,872.55 10,898.59 10,939.38 11,779.57 26% 26%
12 Net profit 5,247.02 6,869.64 8,743.49 10,688.89 12,801.33 15,280.48 18,510.02 22,332.43 27,253.95 31,833.21 34,221.39 26,170.54 13,391.27
13 EPS 11.18 14.44 18.22 21.32 25.32 29.81 35.66 41.00 49.70 57.74 61.79 47.26 24.18
14 Price to earning 23.25 21.66 20.55 23.98 21.15 24.19 26.44 28.28 17.34 25.87 26.75 26.75 23.59
15 Price 259.93 312.68 374.40 511.35 535.58 721.28 943.05 1,159.45 861.90 1,493.65 1,652.75 1,263.93 570.36
16
17 RATIOS:
18 Dividend Payout 19.23% 19.05% 18.80% 18.76% 18.76% 18.45% 18.23% 18.29% 5.03% 11.26%
19 OPM 61.49% 64.78% 68.26% 68.10% 68.25% 67.44% 65.37% 66.85% 62.80% 59.19% 55.59%
20
21
22 TRENDS: 10 YEARS 7 YEARS 5 YEARS 3 YEARS RECENT BEST WORST
23 Sales Growth 18.36% 17.11% 15.27% 14.66% 5.21% 14.66% 5.21%
24 OPM 64.71% 64.61% 63.81% 62.69% 55.59% 62.69% 55.59%
25 Price to Earning 23.59 24.25 24.81 24.56 26.75 26.75 23.59
 A B C D E F G H I J K
1 HDFC BANK LTD SCREENER.IN
2
3 Narration Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21
4 Sales 29,176.45 30,016.88 31,200.92 31,795.05 32,351.61 31,742.27 31,851.60 32,606.92 32,253.76 33,520.44
5 Expenses 10,512.47 11,143.53 12,003.25 13,076.74 11,750.59 13,027.59 13,502.85 15,560.52 14,073.22 14,697.58
6 Operating Profit 18,663.98 18,873.35 19,197.67 18,718.31 20,601.02 18,714.68 18,348.75 17,046.40 18,180.54 18,822.86
7 Other Income 5,148.00 6,114.08 7,124.78 6,492.12 4,346.98 6,696.20 7,987.13 8,302.57 6,679.87 7,915.92
8 Depreciation - - - - - - - - - -
9 Interest 14,977.15 15,558.44 16,073.27 15,528.57 15,608.49 15,033.18 14,522.68 14,083.24 14,218.50 14,415.28
10 Profit before tax 8,834.83 9,428.99 10,249.18 9,681.86 9,339.51 10,377.70 11,813.20 11,265.73 10,641.91 12,323.50
11 Tax 3,144.03 2,780.19 2,589.22 2,385.15 2,398.63 2,666.33 3,053.01 2,821.40 2,701.63 3,203.53
12 Net profit 5,676.06 6,638.03 7,659.65 7,280.22 6,927.24 7,702.86 8,769.33 8,433.78 7,922.09 9,096.19
13
14 OPM 64% 63% 62% 59% 64% 59% 58% 52% 56% 56%
 A B C D E F G H I J K
1 HDFC BANK LTD SCREENER.IN
2
3 Narration Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21
4 Equity Share Capital 469.34 475.88 479.81 501.30 505.64 512.51 519.02 544.66 548.33 551.28
5 Reserves 29,741.11 36,166.84 43,686.82 62,652.77 73,798.49 91,281.44 109,080.11 153,128.00 175,810.38 209,258.91
6 Borrowings 272,873.73 335,588.38 416,677.05 509,761.90 649,587.25 741,549.89 944,817.22 1,080,235.46 1,333,041.45 1,511,417.63
7 Other Liabilities 37,970.83 35,491.89 42,776.29 34,180.55 38,320.95 59,000.32 48,769.82 58,897.59 71,430.27 78,278.83
8 Total 341,055.01 407,722.99 503,619.97 607,096.52 762,212.33 892,344.16 1,103,186.17 1,292,805.71 1,580,830.43 1,799,506.65
9
10 Net Block 2,377.91 2,773.32 3,026.28 3,224.94 3,666.86 3,999.70 4,008.13 4,368.63 4,775.65 5,248.35
11 Capital Work in Progress - - - - - - - - - -
12 Investments 96,795.11 110,960.41 119,571.06 149,454.42 193,633.85 210,777.11 238,460.92 289,445.87 389,304.95 438,823.11
13 Other Assets 241,881.99 293,989.26 381,022.63 454,417.16 564,911.62 677,567.35 860,717.12 998,991.21 1,186,749.83 1,355,435.19
14 Total 341,055.01 407,722.99 503,619.97 607,096.52 762,212.33 892,344.16 1,103,186.17 1,292,805.71 1,580,830.43 1,799,506.65
15
16 Working Capital 203,911.16 258,497.37 338,246.34 420,236.61 526,590.67 618,567.03 811,947.30 940,093.62 1,115,319.56 1,277,156.36
17 Debtors - - - - - - - - - -
18 Inventory - - - - - - - - - -
19
20 Debtor Days - - - - - - - - - -
21 Inventory Turnover - - - - - - - - - -
22
23 Return on Equity 17% 19% 20% 17% 17% 17% 17% 15% 15% 15%
24 Return on Capital Emp 7% 7% 7% 7% 7% 6% 6% 6% 6% 5%
 A B C D E F G H I J K
1 HDFC BANK LTD SCREENER.IN
2
3 Narration Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21
4 Cash from Operating Activity -19,381.24 -5,847.33 4,210.63 -21,280.98 -34,435.37 17,281.59 17,214.38 -62,871.54 -16,869.09 42,476.46
5 Cash from Investing Activity -661.85 -901.92 -1,098.52 -799.90 -837.31 -1,146.38 -841.60 -1,503.06 -1,402.94 -1,822.69
6 Cash from Financing Activity 11,379.97 13,105.25 9,270.15 18,693.87 37,815.13 -5,892.97 57,377.66 23,130.69 24,394.50 -7,321.35
7 Net Cash Flow -8,663.12 6,356.00 12,382.26 -3,387.01 2,542.46 10,242.24 73,750.44 -41,243.91 6,122.47 33,332.41
COMPANY NAME HDFC BANK LTD
LATEST VERSION 2.10 PLEA
CURRENT VERSION 2.10

META
Number of shares 553.80
Face Value 1.00
Current Price 1,652.75
Market Capitalization 915,285.22

PROFIT & LOSS

Report Date Mar-12 Mar-13 Mar-14 Mar-15
Sales 28,193.40 35,861.02 42,555.02 50,666.49
Raw Material Cost
Change in Inventory
Power and Fuel
Other Mfr. Exp 625.76 775.30 798.74 860.21
Employee Cost 3,573.60 4,202.56 4,495.35 5,163.77
Selling and admin 1,765.17 2,115.70 2,219.66 2,602.47
Other Expenses 4,893.42 5,537.70 5,993.98 7,537.36
Other Income 5,992.32 7,132.96 8,297.50 9,545.68
Depreciation 554.16 663.26 688.68 680.45
Interest 15,106.12 19,695.45 23,445.45 27,288.46
Profit before tax 7,667.49 10,004.01 13,210.66 16,079.45
Tax 2,394.09 3,103.73 4,446.15 5,379.40
Net profit 5,247.02 6,869.64 8,743.49 10,688.89
Dividend Amount 1,009.08 1,308.67 1,643.35 2,005.20

Quarters
Report Date Jun-19 Sep-19 Dec-19 Mar-20
Sales 29,176.45 30,016.88 31,200.92 31,795.05
Expenses 10,512.47 11,143.53 12,003.25 13,076.74
Other Income 5,148.00 6,114.08 7,124.78 6,492.12
Depreciation
Interest 14,977.15 15,558.44 16,073.27 15,528.57
Profit before tax 8,834.83 9,428.99 10,249.18 9,681.86
Tax 3,144.03 2,780.19 2,589.22 2,385.15
Net profit 5,676.06 6,638.03 7,659.65 7,280.22
Operating Profit 18,663.98 18,873.35 19,197.67 18,718.31

BALANCE SHEET
Report Date Mar-12 Mar-13 Mar-14 Mar-15
Equity Share Capital 469.34 475.88 479.81 501.30
Reserves 29,741.11 36,166.84 43,686.82 62,652.77
Borrowings 272,873.73 335,588.38 416,677.05 509,761.90
Other Liabilities 37,970.83 35,491.89 42,776.29 34,180.55
Total 341,055.01 407,722.99 503,619.97 607,096.52
Net Block 2,377.91 2,773.32 3,026.28 3,224.94
Capital Work in Progress
Investments 96,795.11 110,960.41 119,571.06 149,454.42
Other Assets 241,881.99 293,989.26 381,022.63 454,417.16
Total 341,055.01 407,722.99 503,619.97 607,096.52
Receivables
Inventory
Cash & Bank 21,175.16 27,531.16 39,913.43 36,526.42
No. of Equity Shares ### ### ### ###
New Bonus Shares
Face value 2.00 2.00 2.00 2.00

CASH FLOW:
Report Date Mar-12 Mar-13 Mar-14 Mar-15
Cash from Operating Activity -19,381.24 -5,847.33 4,210.63 -21,280.98
Cash from Investing Activity -661.85 -901.92 -1,098.52 -799.90
Cash from Financing Activity 11,379.97 13,105.25 9,270.15 18,693.87
Net Cash Flow -8,663.12 6,356.00 12,382.26 -3,387.01

PRICE: 259.93 312.68 374.40 511.35

DERIVED:
Adjusted Equity Shares in Cr 469.34 475.88 479.81 501.30
 PLEASE DO NOT MAKE ANY CHANGES TO THIS SHEET

Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21

63,161.56 73,271.35 85,287.84 105,160.74 122,189.29 128,552.39

1,041.79 1,271.80 1,314.97 1,283.53 1,293.44 1,649.11

6,309.03 8,508.22 9,197.15 10,454.75 12,924.10 13,682.35
3,043.15 3,328.39 3,658.43 3,900.17 4,192.15 4,780.54
9,660.65 10,747.28 15,361.71 19,217.82 27,049.52 32,344.54
11,211.65 12,905.08 16,056.60 18,947.05 24,878.97 27,332.88
738.03 886.19 966.78 1,220.67 1,276.77 1,385.01
34,069.57 38,041.58 42,381.48 53,712.69 62,137.42 59,247.58
19,510.99 23,392.97 28,463.92 34,318.16 38,194.86 42,796.14
6,693.66 8,078.12 9,903.08 11,872.55 10,898.59 10,939.38
12,801.33 15,280.48 18,510.02 22,332.43 27,253.95 31,833.21
2,401.79 2,818.80 3,373.63 4,084.95 1,370.82 3,583.32

Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21

32,351.61 31,742.27 31,851.60 32,606.92 32,253.76 33,520.44
11,750.59 13,027.59 13,502.85 15,560.52 14,073.22 14,697.58
4,346.98 6,696.20 7,987.13 8,302.57 6,679.87 7,915.92

15,608.49 15,033.18 14,522.68 14,083.24 14,218.50 14,415.28

9,339.51 10,377.70 11,813.20 11,265.73 10,641.91 12,323.50
2,398.63 2,666.33 3,053.01 2,821.40 2,701.63 3,203.53
 6,927.24 7,702.86 8,769.33 8,433.78 7,922.09 9,096.19
20,601.02 18,714.68 18,348.75 17,046.40 18,180.54 18,822.86

Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21

505.64 512.51 519.02 544.66 548.33 551.28
73,798.49 91,281.44 109,080.11 153,128.00 175,810.38 209,258.91
649,587.25 741,549.89 944,817.22 1,080,235.46 1,333,041.45 1,511,417.63
38,320.95 59,000.32 48,769.82 58,897.59 71,430.27 78,278.83
762,212.33 892,344.16 1,103,186.17 1,292,805.71 1,580,830.43 1,799,506.65
3,666.86 3,999.70 4,008.13 4,368.63 4,775.65 5,248.35

193,633.85 210,777.11 238,460.92 289,445.87 389,304.95 438,823.11

564,911.62 677,567.35 860,717.12 998,991.21 1,186,749.83 1,355,435.19
762,212.33 892,344.16 1,103,186.17 1,292,805.71 1,580,830.43 1,799,506.65

39,068.88 49,311.12 123,061.56 81,817.64 87,940.11 121,272.53

### ### ### ### ### ###

2.00 2.00 2.00 2.00 1.00 1.00

Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21

-34,435.37 17,281.59 17,214.38 -62,871.54 -16,869.09 42,476.46
-837.31 -1,146.38 -841.60 -1,503.06 -1,402.94 -1,822.69
37,815.13 -5,892.97 57,377.66 23,130.69 24,394.50 -7,321.35
2,542.46 10,242.24 73,750.44 -41,243.91 6,122.47 33,332.41

535.58 721.28 943.05 1,159.45 861.90 1,493.65

505.64 512.51 519.02 544.66 548.33 551.28

How to use it?
You can customize this workbook as you want.
You can add custom formating, add conditional formating, add your own formulas… do ANYTHING.
Please don't edit the "Data Sheet" only.

After customization, you can upload this back on Screener.

Upload on: https://www.screener.in/excel/

Download your customized workbooks now onwards.

Now whenever you will "Export to excel" from Screener, it will export your customized file.

TESTING:
This is a testing feature currently.
You can report any formula errors on the worksheet at: [email protected]
… do ANYTHING.

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