菜单
Financial modeling, analysis frameworks, and regulatory awareness for business-minded professionals.
默认使用会先检查来源的 Prompt；你也可以切换为直接命令，或下载本地副本。
决定是否安装前，请先阅读 SKILL.md，以及 SkillsMP 当前展示的配套文件。
用 Codex 或 Claude 帮你安装 复制这段 Prompt，粘贴到 Codex、Claude 或其他助手里，让它检查 Skill 页面并帮你完成安装。
直接命令不会经过审查 Prompt；运行前请先检查来源。
npx skills add https://github.com/fabioc-aloha/Alex_Plug_In --skill financial-analysis命令会保持在同一行。复制前请横向滚动并检查完整内容。
想先保存到本地？可下载 SkillsMP 当前能够提供的文件。
Create and maintain ASCII visual dashboards for project tracking with parallel lane progress bars
Store and manage voice samples for TTS cloning — portable, version-controlled audio references
Clear documentation through visual excellence
正在显示 SKILL.md
基于 SOC 职业分类
| name | financial-analysis |
| description | Financial modeling, analysis frameworks, and regulatory awareness for business-minded professionals. |
| tier | extended |
| applyTo | **/*financ*,**/*budget*,**/*revenue*,**/*forecast*,**/*valuation*,**/*accounting*,**/*investment* |
Financial modeling, analysis frameworks, and regulatory awareness for business-minded professionals.
Financial analysis transforms raw numbers into decisions. Every model, ratio, and forecast exists to answer one question: Should we do this?
| Statement | Measures | Key Question |
|---|---|---|
| Income Statement | Profitability over a period | Is the business making money? |
| Balance Sheet | Assets, liabilities, equity at a point in time | What does the business own and owe? |
| Cash Flow Statement | Cash movement over a period | Where is the cash going? |
| Ratio | Formula |
|---|
| Meaning |
|---|
| Gross Margin | (Revenue − COGS) / Revenue | Pricing power and production efficiency |
| Operating Margin | Operating Income / Revenue | Core business profitability |
| Net Margin | Net Income / Revenue | Bottom-line profitability |
| ROE | Net Income / Shareholders' Equity | Return to equity holders |
| ROA | Net Income / Total Assets | Asset efficiency |
| Ratio | Formula | Healthy Range |
|---|---|---|
| Current Ratio | Current Assets / Current Liabilities | 1.5–3.0 |
| Quick Ratio | (Current Assets − Inventory) / Current Liabilities | 1.0–2.0 |
| Cash Ratio | Cash / Current Liabilities | 0.5–1.0 |
| Ratio | Formula | Watch For |
|---|---|---|
| Debt-to-Equity | Total Debt / Total Equity | >2.0 signals high leverage |
| Interest Coverage | EBIT / Interest Expense | <1.5 signals debt stress |
| Debt-to-EBITDA | Total Debt / EBITDA | >4.0 may limit borrowing capacity |
When to use: Valuing a business, project, or investment based on future cash flows.
Steps:
Key assumptions to document:
| Step | Action |
|---|---|
| 1 | Select peer group (industry, size, geography) |
| 2 | Gather trading multiples (EV/EBITDA, P/E, EV/Revenue) |
| 3 | Calculate median and mean multiples |
| 4 | Apply multiples to target company metrics |
| 5 | Derive implied valuation range |
Always model three cases:
| Scenario | Purpose | Probability Weight |
|---|---|---|
| Base | Most likely outcome | 50–60% |
| Upside | Favorable conditions | 20–25% |
| Downside | Adverse conditions | 20–25% |
| Type | Method | Best For |
|---|---|---|
| Zero-based | Justify every line from zero | Cost control, new initiatives |
| Incremental | Adjust prior year ±% | Stable operations |
| Activity-based | Cost per activity/output | Service organizations |
| Rolling | Continuously extend 12-month window | Dynamic environments |
| Variance | Formula | Interpretation |
|---|---|---|
| Favorable | Actual better than budget | Outperformance or conservative budget |
| Unfavorable | Actual worse than budget | Underperformance or aggressive budget |
| Volume variance | (Actual units − Budget units) × Budget price | Demand-driven |
| Price variance | (Actual price − Budget price) × Actual units | Pricing/cost-driven |
| Method | Approach | Best For |
|---|---|---|
| Cap Rate | NOI / Property Value | Income-producing properties |
| Comparable Sales | Recent sale prices of similar properties | Residential, land |
| Cost Approach | Land value + replacement cost − depreciation | Unique properties |
| Metric | Formula | Target |
|---|---|---|
| Cap Rate | NOI / Purchase Price | 4–10% depending on market |
| Cash-on-Cash Return | Annual Cash Flow / Total Cash Invested | 8–12% |
| DSCR (Debt Service Coverage) | NOI / Annual Debt Service | >1.25 |
| GRM (Gross Rent Multiplier) | Price / Annual Gross Rent | Lower = better value |
| Framework | Scope | Applies To |
|---|---|---|
| SOX (Sarbanes-Oxley) | Financial reporting controls, audit requirements | US public companies |
| PCI-DSS | Payment card data security | Any business processing card payments |
| Basel III/IV | Capital adequacy, liquidity requirements | Banks and financial institutions |
| Dodd-Frank | Financial stability, consumer protection | US financial institutions |
| IFRS vs GAAP | Accounting standards | International vs US reporting |
| MiFID II | Financial instrument markets | EU investment firms |
