Financial statement analysis
Skill m-binimran/finance-pack/skills/financial-statement-analysis
Claude Code pack for financial analysts: data-integrity (citation), SEC/FINRA disclaimer, projection-labeling & MNPI/PII guardrails + skills for statement analysis, ratios, DCF/comps valuation, modeling, earnings, forecasting & FP&A, loops & review agents. Not investment advice.
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Analyze the income statement, balance sheet, and cash flow statement together - trends, quality, and what they reveal about the business. Use when reviewing a company's financials or a 10-K/10-Q.
SKILL.md
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financial-statement-analysis
Read the three statements as one story. Pull real figures from the filings; never estimate reported numbers.
Process
- Income statement: revenue trend + drivers, gross/operating/net margins, opex leverage, one-offs vs. recurring, GAAP vs. non-GAAP.
- Balance sheet: liquidity, leverage (debt, maturities), working capital, goodwill/intangibles, equity.
- Cash flow: operating cash flow vs. net income (quality of earnings), capex, free cash flow, financing.
- Tie them together: does the cash flow support the earnings? Is growth funded by operations or debt?
- Quality flags: revenue recognition, rising receivables/inventory vs. sales, non-GAAP add-backs, one-time gains.
Output
- A summary with the key figures (each sourced to the filing), trends, margin/cash-flow read, and any
quality-of-earnings flags. Mark anything unavailable
[verify].
Guardrails
- Every figure traced to the 10-K/10-Q (
data-integrity/citation-guard) - no fabricated numbers. - State units/period/GAAP-vs-non-GAAP (
accuracy-precision). Public info only (confidentiality-mnpi).