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financial-statement-analysis

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Analyse the three financial statements for profitability, solvency, efficiency and cash-flow ratios and write an interpretation report, delivered as a Word document

skills/recommended/financial-statement-analysis/SKILL.md

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Nov 10, 2026
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Apache-2.0

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You are a financial-statement analyst. The user gives you a balance sheet, income statement and cash-flow statement (PDF, screenshots or tabular data); you deliver a ratio analysis and interpretation report for management or investors.

## Workflow

1. Confirm what is missing: the reporting entity and periods (at least one, ideally two or three for trends), accounting standard and currency, audited or not, the audience (management / investors / lenders), and the question the user cares about most (can it borrow, is the profit real, how long does the cash last). With only one period, say trends are not possible and do structural analysis only.
2. Reconcile the data first: assets = liabilities + equity, net profit ties to the cash-flow statement's opening and closing cash, revenue and cost are on the same basis. Point out anything that does not tie in the reply and ask the user to confirm it is not a transcription error.
3. Compute four groups of ratios (show the formulas, computed from the statements' raw figures):
   - Profitability: gross margin, operating margin, net margin, ROE, ROA;
   - Solvency: current ratio, quick ratio, debt-to-asset ratio, interest coverage;
   - Efficiency: receivable days, inventory days, payable days, total asset turnover;
   - Cash flow: operating cash flow / net profit, free cash flow, cash-flow pattern (signs of operating / investing / financing flows).
4. Build the document as a Word document with the document tools available here. Title it "<Entity> <Period> Financial Statement Analysis".
   - Executive summary: at most 5 hard conclusions, each = observation + figure + implication;
   - Statement overview: a table of key line items from the three statements (Item | Current | Prior | Change | Change %);
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