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Build fully-integrated 3-statement models (IS, BS, CF) in Excel with working capital schedules, D&A roll-forwards, debt schedule, and the plugs that make cash and retained earnings tie. Pairs with excel-author.
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/iamlalitpandit/RudraX --skill 3-statement-model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。
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| name | 3-statement-model |
| description | Build fully-integrated 3-statement models (IS, BS, CF) in Excel with working capital schedules, D&A roll-forwards, debt schedule, and the plugs that make cash and retained earnings tie. Pairs with excel-author. |
| metadata | {"category":"finance","emoji":"📊","color":"green","vibe":"Follow the money.","original_name":"3-statement-model"} |
PRIORITY DIRECTIVE: If this task was assigned to you by the agents-orchestrator, treat it as HIGHEST PRIORITY and execute immediately.
This skill assumes headless openpyxl — you are producing an .xlsx file on disk.
Follow the excel-author skill's conventions for cell coloring, formulas, named ranges, and sensitivity tables.
Recalculate before delivery: python /path/to/excel-author/scripts/recalc.py ./out/model.xlsx.
Complete and populate integrated financial model templates with proper linkages between Income Statement, Balance Sheet, and Cash Flow Statement.
Formulas over hardcodes (non-negotiable):
ws["D15"] = "=D14*(1+Assumptions!$B$5)"), NOT computed results (ws["D15"] = 12500)Verify step-by-step with the user:
Keep colors minimal. Use only blues and greys for cell fills. Do NOT introduce greens, yellows, oranges, or multiple accent colors — a clean model uses restraint.
| Element | Fill | Font |
|---|---|---|
| Section headers (IS / BS / CF titles) | Dark blue #1F4E79 | White bold |
| Column headers (FY2024A, FY2025E, etc.) | Light blue #D9E1F2 | Black bold |
| Input cells (historicals, assumption drivers) | Light grey #F2F2F2 or white | Blue #0000FF |
| Formula cells | White | Black |
| Cross-tab links | White | Green #008000 |
| Check rows / key totals | Medium blue #BDD7EE | Black bold |
That's 3 blues + 1 grey + white. If the template has its own color scheme, follow the template instead.
Font color signals what a cell is (input/formula/link). Fill color signals where you are (header/data/check).
Templates vary in their tab naming conventions and organization. Before populating, review all tabs to understand the template's structure. Below are common tab names and their typical contents:
| Common Tab Names | Contents to Look For |
|---|---|
| IS, P&L, Income Statement | Income Statement |
| BS, Balance Sheet | Balance Sheet |
| CF, CFS, Cash Flow | Cash Flow Statement |
| WC, Working Capital | Working Capital Schedule |
| DA, D&A, Depreciation, PP&E | Depreciation & Amortization Schedule |
| Debt, Debt Schedule | Debt Schedule |
| NOL, Tax, DTA | Net Operating Loss Schedule |
| Assumptions, Inputs, Drivers | Driver assumptions and inputs |
| Checks, Audit, Validation | Error-checking dashboard |
Template Review Checklist
Before populating a template, familiarize yourself with its existing layout to ensure data is entered in the correct locations and formulas remain intact.
Identifying Row Structure
Identifying Column Structure
Working with Named Ranges Templates often use named ranges for key inputs and outputs. Before entering data:
Note: The following margin analysis should only be performed if prompted by the user or if the template explicitly requires it. If no prompt is given, skip this section.
Calculate and display profitability margins on the Income Statement (IS) tab to track operational efficiency and enable peer comparison.
| Margin | Formula | What It Measures |
|---|---|---|
| Gross Margin | Gross Profit / Revenue | Pricing power, production efficiency |
| EBITDA Margin | EBITDA / Revenue | Core operating profitability |
| EBIT Margin | EBIT / Revenue | Operating profitability after D&A |
| Net Income Margin | Net Income / Revenue | Bottom-line profitability |
Display margin percentages directly below each profit line item:
Note: The following Credit analysis should only be performed if prompted by the user or if the template explicitly requires it. If no prompt is given, skip this section.
Calculate and display credit/leverage metrics on the Balance Sheet (BS) tab to assess financial health, debt capacity, and covenant compliance.
| Metric | Formula | What It Measures |
|---|---|---|
| Total Debt / EBITDA | Total Debt / LTM EBITDA | Leverage multiple |
| Net Debt / EBITDA | (Total Debt - Cash) / LTM EBITDA | Leverage net of cash |
| Interest Coverage | EBITDA / Interest Expense | Ability to service debt |
| Debt / Total Cap | Total Debt / (Total Debt + Equity) | Capital structure |
| Debt / Equity | Total Debt / Total Equity | Financial leverage |
| Current Ratio | Current Assets / Current Liabilities | Short-term liquidity |
| Quick Ratio | (Current Assets - Inventory) / Current Liabilities | Immediate liquidity |
Validate that Upside shows strongest credit profile:
If debt covenants are known, add explicit compliance checks comparing actual metrics to covenant thresholds.
Use a scenario toggle (dropdown) in the Assumptions tab with CHOOSE or INDEX/MATCH formulas.
| Scenario | Description |
|---|---|
| Base Case | Management guidance or consensus estimates |
| Upside Case | Above-guidance growth, margin expansion |
| Downside Case | Below-trend growth, margin compression |
Key Drivers to Sensitize: Revenue growth, Gross margin, SG&A %, DSO/DIO/DPO, CapEx %, Interest rate, Tax rate.
Scenario Audit Checks: Toggle switches all statements, BS balances in all scenarios, Cash ties out, Hierarchy holds (Upside > Base > Downside for NI, EBITDA, FCF, margins).
If the template specifically requires pulling data from SEC filings (10-K, 10-Q), see references/sec-filings.md for detailed extraction guidance. This reference is only needed when populating templates with public company data from regulatory filings.
This section provides general guidance for completing any 3-statement financial model template while preserving existing formulas and ensuring data integrity.
Before entering any data, thoroughly review the template to understand its architecture:
Identify Input vs. Formula Cells
Map the Template's Flow
Golden Rules for Data Entry
| Rule | Description |
|---|---|
| Only edit input cells | Never overwrite cells containing formulas unless intentionally replacing the formula |
| Preserve cell references | When copying data, use Paste Values (Ctrl+Shift+V) to avoid overwriting formulas with source formatting |
| Match the template's units | Verify if template uses thousands, millions, or actual values before entering data |
| Respect sign conventions | Follow the template's existing sign convention (e.g., expenses as positive or negative) |
| Check for circular references | If the template uses iterative calculations, ensure Enable Iterative Calculation is turned on |
Safe Data Entry Process
Handling Pre-Built Formulas
Formula Integrity Checks
Before relying on template outputs, validate that formulas are functioning correctly:
| Check Type | Method |
|---|---|
| Trace precedents | Select a formula cell → Formulas → Trace Precedents to verify it references correct inputs |
| Trace dependents | Verify key inputs flow to expected output cells |
| Evaluate formula | Use Formulas → Evaluate Formula to step through complex calculations |
| Check for hardcodes | Projection formulas should reference assumptions, not contain hardcoded values |
| Test with known values | Input simple test values to verify formulas produce expected results |
| Cross-tab consistency | Ensure the same formula logic applies across all projection periods |
Common Formula Issues to Watch For
Validating Cross-Tab Linkages
Perform these validation checks on each sheet after populating the template:
Income Statement (IS) Quality Checks
Balance Sheet (BS) Quality Checks
Cash Flow Statement (CF) Quality Checks
Supporting Schedule Quality Checks
After validating individual sheets, confirm the three statements are properly integrated:
| Check | Formula | Expected Result |
|---|---|---|
| Balance Sheet Balance | Assets - Liabilities - Equity | = 0 |
| Cash Tie-Out | CF Ending Cash - BS Cash | = 0 |
| Net Income Link | IS Net Income - CF Starting Net Income | = 0 |
| Retained Earnings | Prior RE + NI - Dividends - BS Ending RE | = 0 (adjust for SBC/other items as needed) |
Before considering the model complete:
This section consolidates all validation checks and audit procedures for completed templates.
See references/formulas.md for all formula details.
| Check | Formula | Expected Result |
|---|---|---|
| Balance Sheet Balance | Assets - Liabilities - Equity | = 0 |
| Cash Tie-Out | CF Ending Cash - BS Cash | = 0 |
| Cash Monthly vs Annual | Closing Cash (Monthly) - Closing Cash (Annual) | = 0 |
| Net Income Link | IS Net Income - CF Starting Net Income | = 0 |
| Retained Earnings | Prior RE + NI + SBC - Dividends - BS Ending RE | = 0 |
| Equity Financing | ΔCommon Stock/APIC (BS) - Equity Issuance (CFF) | = 0 |
| Year 0 Equity | Equity Raised (Year 0) - Beginning Equity Capital (Year 1) | = 0 |
| Statement | Item | Sign Convention |
|---|---|---|
| CFO | D&A, SBC | Positive (add-back) |
| CFO | ΔAR (increase) | Negative (use of cash) |
| CFO | ΔAP (increase) | Positive (source of cash) |
| CFI | CapEx | Negative |
| CFF | Debt issuance | Positive |
| CFF | Debt repayments | Negative |
| CFF | Dividends | Negative |
Interest expense creates circularity: Interest → Net Income → Cash → Debt Balance → Interest
Enable iterative calculation in Excel: File → Options → Formulas → Enable iterative calculation. Set maximum iterations to 100, maximum change to 0.001. Add a circuit breaker toggle in Assumptions tab.
Section 1: Currency Consistency
Section 2: Balance Sheet Integrity
Section 3: Cash Flow Integrity
Section 4: Retained Earnings
Section 5: Working Capital
Section 6: Debt Schedule
Section 6b: Equity Financing
Section 6c: NOL Schedule
Section 7: Scenario Hierarchy
Section 8: Formula Integrity
Section 9: Credit Metric Thresholds
Aggregate all section statuses into a single master check:
When Master Status shows errors:
Many passages below say "use the S&P Kensho MCP / Daloopa MCP / FactSet MCP". Those are commercial financial-data MCPs from the original Cowork plugin context. In RudraX:
native-mcp skill), prefer it for point-in-time comps, precedent transactions, and filings.web_search / web_extract against SEC EDGAR (https://www.sec.gov/cgi-bin/browse-edgar) for US filingsbrowser_navigate for interactive data portals[UNSOURCED] and surface it to the user.This skill is adapted from Anthropic's Claude for Financial Services plugin suite (Apache-2.0). The Office-JS / Cowork live-Excel paths have been removed; this version targets headless openpyxl via the excel-author skill's conventions. Original: https://github.com/anthropics/financial-services