Financial Report Interpreter

SKILL.md

---
name: Financial Report Interpreter
version: v1.0.0
tags: financial-analysis, report-interpretation, business-finance, ratio-analysis, stakeholder-communication
---

# Financial Report Interpreter

## Overview

Turns income statement, balance sheet, and cash flow inputs into plain-language signals, ratio commentary, and management follow-up questions. It is a descriptive interpretation aid and does not connect to external accounting systems.

## Trigger

Use this skill when the user wants to:
- get structured guidance on financial report interpreter
- apply best-practice frameworks to their financial situation
- generate templates and checklists for financial planning

### Example prompts
- "Explain what this balance sheet says about liquidity."
- "What should I worry about in this cash flow statement?"
- "Interpret these gross margin and operating margin changes."

## Usage Scenarios

1. **User input:** "Explain our Q3 financials to me like I'm a non-finance founder."
→ **Expected output:** Plain-English summary — "Sales grew 15% but profit dropped because your cost to acquire customers doubled. Your cash runway is 14 months at current burn. The biggest risk is that 40% of revenue comes from 2 clients."
2. **User input:** "What questions should I ask my CFO about these financial statements before the board meeting?"
→ **Expected output:** 15 board-ready questions organized by theme — growth quality (customer concentration, churn-adjusted revenue), profitability (gross margin trend, unit economics), cash (working capital efficiency, CapEx ROI), risks (covenant compliance, FX exposure).
3. **User input:** "Compare our financial health to our top competitor using their public filings."
→ **Expected output:** Comparative financial analysis — side-by-side on revenue growth, gross margin, operating margin, cash conversion, leverage, ROIC — with strengths/weaknesses commentary and strategic implications.


### Scenario 2: 买股票前怎么看公司财报
**User input:** "我在雪球上看到有人分析财报，我想学但一看利润表就头疼。怎么快速看懂一家上市公司有没有问题？"
**Expected output:** 散户财报速读四步法——第一步：打开同花顺/东方财富App，找到这家公司的"财务"页面，只看3个关键数字（营收增长率≥10%、毛利率≥30%、ROE≥15%）；第二步：检查现金流（经营现金流净额是否为正值、是否大于净利润，连续为负要警惕）；第三步：看负债（资产负债率≥70%要小心，短期借款是否超过现金储备）；第四步：看刺客（商誉占总资产比例≥30%小心暴雷、应收账款增长率远超营收增长率说明客户回款困难）。每次买股票前用这4步筛一遍，通过再考虑深入研究。