financial-report

# Financial Report Generator ## Quick Start Generate structured financial reports with period-over-period comparisons, material variance highlighting, trend analysis, and actionable recommendations. Supports P&L, Cash Flow, Balance Sheet, Dashboard, and Variance Analysis report types. ## Workflow 1. Identify the report type: P&L, Cash Flow, Balance Sheet, Financial Dashboard, or Variance Analysis 2. Determine reporting period: month, quarter, year, or custom range 3. Identify comparison basis: YoY, MoM, QoQ, or actual vs. budget 4. Load financial data for current and comparison periods 5. Calculate primary figures: revenue, expenses, profit margins, cash positions 6. Compute period-over-period changes (absolute and percentage) 7. Highlight material variances (>10% change) 8. Analyze trends and identify patterns (growth, cost creep, seasonal effects) 9. Compose analytical narrative and actionable recommendations 10. Assemble complete report with summary, detail, analysis, and recommendations ## Examples **Example 1: Monthly P&L report** Input: "Generate a P&L report for February 2026 vs January 2026" Output: ``` FINANCIAL REPORT: P&L - February 2026 ====================================== SUMMARY ------- Revenue: $850K (+6.3% vs. Jan 2026) Expenses: $620K (+8.8% vs. Jan 2026) Net Profit: $230K (Margin: 27.1%) DETAIL ------ | Line Item | Feb 2026 | Jan 2026 | Change | Change % | |---------------------|----------|----------|----------|----------| | Product Revenue | $600K | $560K | +$40K | +7.1% | | Service Revenue | $250K | $240K | +$10K | +4.2% | | COGS | $340K | $300K | +$40K | +13.3% | | Staff Costs | $180K | $180K | $0 | 0% | | Marketing | $60K | $50K | +$10K | +20.0% | | Operations | $40K | $40K | $0 | 0% | MATERIAL VARIANCES (>10% change) --------------------------------- - COGS: $340K vs. $300K (+13.3%) - Higher input costs - Marketing: $60K vs. $50K (+20.0%) - Seasonal campaign spend RECOMMENDATIONS --------------- - Investigate COGS increase; negotiate supplier pricing - Measure ROI on increased marketing spend - Maintain current staffing efficiency ``` **Example 2: Quarterly dashboard** Input: "Financial dashboard for Q1 2026" Output: ``` FINANCIAL REPORT: Dashboard - Q1/2026 ====================================== SUMMARY ------- Revenue: $2.4M (+12% vs. Q1/2025) Expenses: $1.75M (+9% vs. Q1/2025) Net Profit: $650K (Margin: 27.1%) Cash Position: $1.2M KEY METRICS ----------- | KPI | Q1/2026 | Q1/2025 | Trend | |----------------------|---------|---------|-------| | Gross Margin | 42% | 40% | + | | Operating Margin | 27% | 25% | + | | Revenue Growth (YoY) | 12% | 8% | + | | Expense Ratio | 73% | 75% | + | ANALYSIS -------- Q1 2026 shows healthy growth with improving margins. Revenue growth accelerated from 8% to 12% YoY driven by new product lines. Expense ratio improved by 2 percentage points, indicating better cost control. RECOMMENDATIONS --------------- - Continue investment in high-margin product lines - Set Q2 revenue target at $2.6M based on growth trajectory ``` ## Tools - Use `Read` to load financial data files, prior-period reports, and KPI references - Use `Grep` to search for specific line items, accounts, or transactions - Use `Bash` to run aggregations, percentage changes, margin computations, and trend analysis - Use `Write` to save completed reports and dashboard snapshots ## Error Handling - If report type is not specified -> present the five supported types and ask user to select - If data for the requested period is unavailable -> offer to work with the closest available period or user-supplied figures - If comparison period data is missing -> generate current-period report only, noting comparative analysis is unavailable - If figures do not reconcile -> flag discrepancy, identify source, and resolve before output - If an unsupported metric is requested -> attempt to derive from available data or explain what is needed ## Connectors (Optional) This skill works standalone. When connected to external tools, it unlocks additional capabilities: | Connector | What it enables | |-----------|----------------| | ~~accounting | Pull real-time revenue, expense, and ledger data for reports | | ~~ERP | Access consolidated financial data across business units | | ~~spreadsheet | Import raw financial data and export formatted reports | | ~~banking | Incorporate cash position and bank balances into reports | ## Rules - All figures must be accurate and cross-checked; totals must reconcile - Always include period-over-period comparison when comparison data is available - Highlight any line item with >10% variance vs. comparison period - Round to two decimal places for USD; note currency unit clearly - Use abbreviated formats: thousands (K), millions (M), billions (B) - Every report must include: summary, detail section, analysis, and recommendations - Label one-time or non-recurring items separately from ongoing operations ## Output Template ``` FINANCIAL REPORT: [Report Type] - [Period] =========================================== SUMMARY ------- Revenue: [Amount] ([+/- %] vs. [Comparison period]) Expenses: [Amount] ([+/- %] vs. [Comparison period]) Net Profit: [Amount] (Margin: [%]) Cash Position:[Amount] (if applicable) DETAIL ------ | Line Item | Current Period | Prior Period | Change | Change % | |---------------------|----------------|--------------|------------|----------| | [Line item name] | [Amount] | [Amount] | [+/- diff] | [%] | | TOTAL | [Sum] | [Sum] | [Sum] | [%] | MATERIAL VARIANCES (>10% change) --------------------------------- - [Line item]: [Current] vs. [Prior] ([Change %]) - [Brief explanation] ANALYSIS -------- [Narrative explaining key trends, drivers, and notable patterns] RECOMMENDATIONS --------------- - [Actionable recommendation with rationale] ``` ## Related Skills - `budget-planner` — For budget context and variance analysis in reports - `expense-tracker` — For detailed expense data feeding into financial reports - `invoice-generator` — For revenue and accounts receivable data - `tax-helper` — For tax impact analysis within financial reports