pénzkiáramlás

Pénzkiáramlás, commonly translated as cash flow, refers to the movement of money into and out of a business or individual's finances over a specific period. It is a crucial metric for understanding financial health and liquidity. Positive cash flow indicates that more money is coming in than going out, suggesting a stable or growing financial position. Conversely, negative cash flow means expenses exceed income, which can lead to liquidity problems and financial distress if not managed properly.

Cash flow is typically categorized into operating, investing, and financing activities. Operating cash flow reflects the money generated from a company's core business operations. Investing cash flow relates to the purchase and sale of long-term assets like property and equipment. Financing cash flow involves activities such as issuing debt, repaying loans, or distributing dividends. Analyzing these different types of cash flow provides a comprehensive view of where money is coming from and where it is being spent.

Effective cash flow management is vital for business success. It allows companies to meet their short-term obligations, fund growth initiatives, and withstand unexpected financial challenges. Individuals also benefit from managing their personal cash flow to ensure they can cover living expenses, save for future goals, and avoid debt. Tools like cash flow statements and projections are used to monitor and plan for future cash movements.