duane, I pasted this formula to cell L4 which is the first roll of my calculations. In other words, Today's price is in M4 and yesterday's price is in N4. The formula is apparently not being recognized as a forumula as there is not resulting answer, just the formula itself. If I repaste the original formual to L4 :

=((INDIRECT("M4")-INDIRECT("N4"))/INDIRECT("N4") then is works fine, which is a one day return for this stock. It seems excel is not recognizing the format &row(a4) within the INDIRECT verb? Your formula DOES work in the sense it increments the referenced row number.. I am sure is something that I am leaving out of the?

Thanks again