Financial Ratio Analyzer

Name: Financial Ratio Analyzer
Brand: AgentVolt
Price: 49.00 USD
Availability: InStock

Computes liquidity, profitability, leverage, and efficiency ratios from financials.

Finance / Analyticsfinanceanalytics

by AgentVoltv1.0.0Published 1y ago1 install

Free to sign up · every skill included with AgentVolt Pro

Before & after

Same prompt, same agent — the only difference is the skill.

Prompt“Analyze the financial health of my business”

Beforegeneric AI agent

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.

Afterwith Financial Ratio Analyzer

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

name: financial-ratio-analyzer description: Use when Computes liquidity, profitability, leverage, and efficiency ratios from financials.

Financial Ratio Analyzer

Ingests income statement and balance sheet figures and computes the standard ratio set (current ratio, gross/net margin, ROE, debt-to-equity, asset turnover, etc.) with plain-English interpretation.

What you get

A ratio dashboard with computed values and benchmarks.

Customize your output

Adapt the assumptions, chart of accounts, and formatting to your company
combine with other AgentVolt finance skills.

Example output

A one-page ratio scorecard for a sample company.

Best for

Analysts, lenders, and finance students.

SKILL.md preview

SKILL.md

---
name: financial-ratio-analyzer
description: Use this skill when income statement and balance sheet figures need converting into standard liquidity, profitability, leverage, and efficiency ratios with plain-English interpretation.
version: 1.0.0
category: Finance / Analytics
author: AgentVolt
license: proprietary
tags:
  - finance
  - analytics
  - flagship
---

# Financial Ratio Analyzer

Computes the standard set of financial ratios from raw statement figures and explains what each one means for the business.

## When to use

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