Financial Ratio Scorecard and Trend Analysis
Get a financial ratio scorecard with traceable formulas, period comparisons, and prioritized risks.
Before & after
Same prompt, same agent — the only difference is the skill.
Financial analysis requires income statement and balance sheet data. What figures do you have available—revenue, expenses, assets, liabilities? To compute ratios, I'd need to understand your industry and scale to benchmark appropriately. Are you looking for liquidity assessment, profitability trends, or leverage risk? Different stakeholders care about different metrics. If you share your financials, I can walk through some key ratios and what they mean for your business.
FINANCIAL RATIO DASHBOARD LIQUIDITY RATIOS (Can you pay short-term obligations?) Current Ratio: 2.1 → Target 1.5-2.5 (HEALTHY) Quick Ratio: 1.4 → Target 1.0+ (GOOD, inventory not critical) Cash Conversion: 28 days → vs. 45 days industry avg (STRONG) Interpretation → Can cover liabilities, but consider automation of collections PROFITABILITY RATIOS (How efficient is revenue?) Gross Margin: 68% → vs. 60% industry (ABOVE AVERAGE) Operating Margin: 22% → vs. 12% industry (STRONG execution) Net Margin: 15% → vs. 8% industry (Excellent) Return on Equity: 31% → vs. 18% industry benchmark (OUTPERFORMING) Interpretation → Pricing power and cost control are working, watch for scale inefficiencies LEVERAGE RATIOS (How much debt are you carrying?) Debt-to-Equity: 0.35 → vs. 0.8 industry (CONSERVATIVE) Interest Coverage: 8.2x → vs. 3.0x industry (SAFE) Debt-to-Assets: 0.26 → (LOW RISK) Interpretation → Room to borrow if needed for growth, strong financial flexibility EFFICIENCY RATIOS (How well are you using assets?) Asset Turnover: 2.8x → (HEALTHY utilization) Receivables Turnover: 9.2x (41 day collection cycle) Inventory Turnover: 5.4x (68 day hold) Interpretation → Slow receivables relative to industry—tighten payment terms? WARNING SIGNALS None critical identified Minor → Rising days sales outstanding (monitor collections) Opportunity → High margins create room to invest in growth NOTE: Illustrative analysis for reference. Not investment advice.
About this skill
Your ratios can look precise while telling the wrong story: debt gets confused with total liabilities, annual sales get divided by an ending balance, or a seasonal cash squeeze disappears inside a year-end snapshot. This skill turns financial statements into a traceable scorecard and explains which changes deserve attention.
What it does
- Reconciles statement totals and checks currencies, units, reporting periods, and consolidation scope before calculating.
- Computes liquidity, profitability, leverage, coverage, and efficiency ratios with visible formulas and source figures.
- Uses average balances for returns and turnover, with explicit fallbacks when opening balances are missing.
- Separates meaningful deterioration from misleading results caused by negative equity, acquisitions, seasonality, or inconsistent definitions.
- Connects margins, asset use, borrowing, and working-capital days to explain the likely drivers of change.
- Compares against supplied targets or documented peer benchmarks without inventing industry standards.
What you get
A ratio scorecard with calculation traces, period changes, prioritized findings, and specific follow-up checks. Incomplete inputs still produce a useful provisional analysis, with unavailable ratios and assumptions clearly identified.
Best for
Analysts, business owners, lenders, and finance students reviewing financial statements, preparing credit discussions, or investigating deteriorating financial performance.
SKILL.md preview
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name: financial-ratio-scorecard-and-trend-analysis
description: 'Convert financial statements into a traceable ratio scorecard by reconciling inputs, selecting consistent denominators, and explaining trends across liquidity, profitability, leverage, and efficiency. Use when the user says "run the financial ratios", "compare these two years", "why did our current ratio fall", "my ratios do not match the lender calculations", "check our liquidity and leverage", "benchmark these financial statements", or "turn this balance sheet into a ratio analysis".'
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# Financial Ratio Scorecard and Trend Analysis
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