Global Financial Report Analyst

What it does

Turns raw financial statements into a conclusion-first diagnostic report with an executive scorecard up front:

• Factor grades: five factors graded A+ to F vs sector, each grade justified by the metric behind it — one page, full picture
• Thesis-led variant view: three takeaway bullets, then what the headline suggests vs what the statements actually show
• Earnings quality: recurring vs. non-recurring profit mix, YoY profit bridge (how much of the growth came from one-offs), Sloan accruals screening, margin trends
• Solvency & liquidity: debt ratios, interest coverage (EBIT/interest), cash coverage of short-term debt
• Cash-flow health: earnings "cash content" (OCF/net income), cash conversion cycle (DSO/DIO/DPO), free cash flow estimate, financing dependence
• 5-step DuPont ROE: tax burden × interest burden × operating margin × turnover × leverage — pinpoints exactly which link constrains ROE
• Valuation reference: P/E, EV/EBITDA, P/S vs sector medians with premium/discount, plus a "what's priced in" check — methods only, never a target price
• Risk list: 3–5 graded risks, each tied to a specific line item
• Catalysts: 2–3 time-bound, falsifiable catalysts to watch
• Analyst questions: 3–5 questions a professional would ask management on the earnings call, each tied to a finding in the report
• Infographic one-page HTML report: every analysis also ships as a self-contained, print-ready 7-section infographic HTML report — thesis, factor grades, profit bridge, DuPont × cash cycle, valuation, risks, catalysts — save as .html to print or share

Who it's for

• Individual investors who want to read a 10-K / annual report in 10 minutes
• Finance, banking, and consulting professionals who need a standardized analytical starting point
• Students learning real-world statement analysis

How it works

Pure chat: you paste the numbers, you get the report. Every run delivers two things: (1) the chat report opening with a visual dashboard — headline figures, traffic lights, factor-grade bars, profit-bridge waterfall, readable in any chat window, no setup; (2) a self-contained infographic one-page HTML report you can save as .html to print or share. Full reports run 1,200–2,800 words with the thesis always up front.

Boundaries

• Financial data analysis only — not investment advice, no buy/sell calls, no target prices.
• Analysis is based on the data you provide; missing items are flagged, never invented.
• Covers general industrials and real estate; banks, insurers, and brokers use different statement structures and are out of scope for this version.
• No return promises, no real-time market data.