Financial Statement Analyzer

Know Your Numbers

Six analyses, 15+ ratios, industry benchmarks in minutes

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Features List

6

Analysis Types

15+

Ratios Calculated

8

Industry Benchmarks

Why Finance Leaders Use This Skill

Math Validated Before Analysis Runs

Before any ratio is calculated, the skill checks the fundamental accounting equations: Total Assets equals Total Liabilities plus Equity, Net Income flows correctly from P&L to Cash Flow, and Ending Cash on the Cash Flow Statement matches the Balance Sheet. If anything fails, analysis stops and the discrepancy is reported with specific line references. You catch data errors before they contaminate your conclusions.

Six Analyses, One Upload

Horizontal analysis shows period-over-period changes. Vertical analysis produces common-size statements. Ratio analysis covers four categories with 15 or more metrics. Anomaly detection flags outliers beyond two standard deviations. Trend analysis calculates CAGRs and identifies reversals. Cash flow driver analysis isolates free cash flow and working capital movements. All six run from a single upload.

Benchmarks Cited, Not Guessed

Every benchmark comparison includes its source. NYU Stern Damodaran for 90-plus industries. RMA Annual Statement Studies for 700-plus NAICS codes. S&P Capital IQ, Bloomberg, and Yahoo Finance for broader coverage. Eight industry sets are pre-loaded covering software, retail, manufacturing, pharma, banking, consumer goods, real estate, and energy. When you say your gross margin is strong, you can say strong versus what, and cite where that came from.

Anomalies Flagged Automatically

Any ratio more than two standard deviations from the company's own historical mean gets flagged. Any line item moving more than 50% period-over-period without a clear driver gets flagged. Current ratio below 1.0, interest coverage below 1.5, operating cash flow negative for two or more periods — all caught automatically. You don't need to scan every number. The skill surfaces what needs attention.

5-Tab Excel Workbook Included

Beyond the executive summary, the skill produces a structured Excel workbook: Summary dashboard, Horizontal Analysis with all three statements, Vertical Analysis with common-size percentages, Ratio Analysis with formulas and benchmarks, and a Data Validation tab showing math check results. Formatted with Excel color standards — blue for inputs, black for formulas, green for cross-sheet links.

What You Get

Claude Custom Skill (.skill file)

The core skill file for uploading to Claude. Contains the full Financial Statement Analyzer logic: 5-step workflow, 6 analysis modules, math validation checks, parameter detection, anomaly thresholds, benchmark citation requirements, executive summary template, and Excel output structure.
Math Validation Engine

Mandatory pre-analysis checks across all three statements: Balance Sheet (Assets = Liabilities + Equity, sub-totals), Income Statement (Gross Profit, Operating Income, Net Income flows), Cash Flow Statement (net change in cash, ending cash balance), and cross-statement linkage (Net Income to Cash Flow starting point, Ending Cash to Balance Sheet). Analysis stops and reports specific discrepancies if any check fails.
Horizontal Analysis Module

Period-over-period absolute change and percentage change for every line item across all available periods in all three statements. Flags items with changes exceeding 20% or significant absolute swings. Supports quarterly and annual periods, including YTD columns as shown in the Coca-Cola sample output.
Vertical Analysis Module

Common-size statements for all three financial statements: P&L lines as percentage of Revenue, Balance Sheet lines as percentage of Total Assets, Cash Flow sections as percentage of Total Cash Generated. Calculated for every period in the dataset, enabling margin and capital structure comparison across time.
Ratio Analysis Module (15+ Ratios)

Four categories: Liquidity (Current Ratio, Quick Ratio, Cash Ratio), Profitability (Gross Margin, Operating Margin, Net Margin, ROA, ROE), Leverage (Debt-to-Equity, Debt-to-Assets, Interest Coverage), Efficiency (Asset Turnover, Inventory Turnover, Receivables Turnover, DSO, DIO). Each ratio trended across all periods and compared to industry benchmarks with source citations.
Anomaly Detection Module

Flags ratios more than two standard deviations from the company's historical mean, line items changing more than 50% period-over-period without a clear driver, and ratios outside industry benchmark warning thresholds. Cross-industry warning levels built in: Current Ratio below 1.0 (warning) and 0.5 (critical), Interest Coverage below 2.0, Debt/Equity above 2.0, negative operating cash flow for two or more consecutive periods.
Trend Analysis Module

CAGR calculation for key metrics including Revenue, Net Income, and Total Assets across all available periods. Identifies acceleration or deceleration in growth rates, margin expansion or compression trends, and flags trend reversals — where a metric that was consistently improving begins deteriorating, or vice versa.
Cash Flow Driver Analysis

Identifies the largest operating cash components (working capital changes, D&A add-backs), major investing activities (CapEx, acquisitions, asset disposals), and financing movements (debt changes, equity issuance, dividends). Calculates Free Cash Flow as Operating CF minus CapEx. Highlights divergence between Net Income and Operating Cash Flow.
Industry Benchmark Reference Library

Eight pre-loaded industry sets with ratio medians and source citations: Technology/Software, Retail/General, Manufacturing/Industrial, Healthcare/Pharmaceuticals, Financial Services/Banking, Consumer Goods/Food and Beverage, Real Estate, Energy/Oil and Gas. Sources: NYU Stern Damodaran (90+ industries, free), RMA Annual Statement Studies (700+ NAICS codes), S&P Capital IQ, Bloomberg, Yahoo Finance/Reuters.
5-Tab Excel Workbook Output

Summary tab (key metrics dashboard with benchmark comparison table and trend indicators), Horizontal Analysis tab (period-over-period changes for all three statements), Vertical Analysis tab (common-size percentages for all periods), Ratio Analysis tab (all ratios with Excel formulas, trends, and cited benchmarks), Data Validation tab (math check results and reconciliation notes). Color-coded to finance standards.
Coca-Cola Q3 2025 Sample Output

A complete worked illustration showing the skill's output applied to Coca-Cola's Q3 2025 earnings release. Demonstrates gross margin of 61.5% versus the 30-40% Beverage industry benchmark (Damodaran 2024), operating margin of 32.0% versus 8-12% benchmark, interest coverage of 10.2x, FCF of $8.49 billion, and full horizontal and vertical analysis across the income statement and balance sheet. Shows exactly what a finished workbook looks like.

When to Use This Skill

Analysing your own company's financials

Upload your latest P&L, Balance Sheet, and Cash Flow Statement. The skill validates the math, detects your industry, confirms the parameters, and produces a full executive summary with benchmark comparisons in minutes. Use the output for board preparation, investor updates, or internal management review without building your own ratio model from scratch.

Reviewing an M&A target's financial statements

You've received a CIM or data room financials for a potential acquisition. Upload the statements, run the full six-analysis suite, and get a structured executive summary covering the target's profitability profile, liquidity position, leverage ratios, working capital trends, cash flow quality, and any anomalies flagged against both historical patterns and industry benchmarks. First-pass due diligence done before the first advisor call.

Analysing a competitor or peer company

A competitor has just released quarterly earnings or an annual report. Upload the statements, run horizontal and vertical analysis to see how margins are moving, and compare their ratios to the same industry benchmarks applied to your own business. The side-by-side benchmark table makes competitive positioning concrete rather than directional.

Preparing a board or investor presentation

Your board or investors want financial statement context beyond the headline numbers. The executive summary output is structured for this — overview paragraph, key metrics table with trend indicators, critical findings, detailed analysis by category, areas requiring attention, and a benchmark comparison table with cited sources. Paste it into your deck or use it as the briefing document.

Checking financial statement math before submission

Before sending financials to lenders, investors, or auditors, run the math validation module. It checks every fundamental accounting equation across all three statements and cross-statement linkages — Net Income to Cash Flow, Ending Cash to Balance Sheet. Any discrepancy is reported with specific line references so you can fix it before anyone else finds it.s

Six Analyses from One Upload

Analysis Type	What It Calculates	What It Surfaces
Horizontal	Absolute and percentage change for every line item across all periods	Period-over-period shifts in revenue, margins, costs, and balance sheet positions; items changing more than 20% are flagged
Vertical	Each line item as a percentage of Revenue (P&L), Total Assets (Balance Sheet), or Total Cash Generated (CF)	Margin structure, capital composition, and how the financial mix changes across periods in a directly comparable format
Ratio Analysis	15+ ratios across Liquidity, Profitability, Leverage, and Efficiency categories	Company performance versus its own history and versus industry benchmarks with cited sources (Damodaran, RMA, S&P)
Anomaly Detection	Statistical and threshold-based outlier identification across all line items and ratios	Line items moving more than 50% without a clear driver; ratios more than two standard deviations from historical mean
Trend Analysis	CAGR for Revenue, Net Income, and Total Assets; growth rate acceleration and deceleration	Whether the business is accelerating or slowing; margin expansion or compression trends; trend reversals flagged
Cash Flow Drivers	Free Cash Flow (Operating CF minus CapEx), working capital changes, investing and financing breakdown	Quality of earnings (Net Income vs. Operating CF divergence), CapEx intensity, dividend and debt service capacity

Common Questions

What file formats does the skill accept?

What happens if my financial statements have errors?

How does the industry benchmark comparison work?

What does the Coca-Cola sample output show?

Can I run this on a single period or do I need multiple years of data?

How is this different from building a ratio model in Excel myself?

Upload. Validate. Analyse. Know Your Numbers in Minutes.

Six financial statement analyses with industry benchmarks and a board-ready executive summary. Updated for 2026.

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