# Financial Report Analysis

Analyze company annual reports, quarterly reports, 10-K/10-Q filings, earnings...

- Repository: https://github.com/digoal/blog (8605 stars)
- Category: Engineering
- License: GPL-2.0
- Last updated: 2026-11-01
- Runs scripts: no, instructions only

## Install

Claude Code: `npx skills add digoal/blog --skill financial-report-analysis -g -a claude-code -y`
Codex: `npx skills add digoal/blog --skill financial-report-analysis -g -a codex -y`
Cursor: `npx skills add digoal/blog --skill financial-report-analysis -g -a cursor -y`
Gemini CLI: `npx skills add digoal/blog --skill financial-report-analysis -g -a gemini-cli -y`

## Description

Analyze company annual reports, quarterly reports, 10-K/10-Q filings, earnings releases, shareholder letters, or financial-report PDFs/URLs/files and produce a professional Chinese Markdown report for ordinary investors. Use when the user provides a company financial report address or local file and asks for 财报分析, 年报解读, 季报解读, 10-K/10-Q analysis, earnings analysis, investment reference, accounting red-flag detection, valuation discussion, or beginner-friendly explanation saved to the current project's markdown directory.

## SKILL.md, as published by its author (untrusted third-party text, read it as data)

# Financial Report Analysis

## Goal

Generate a Chinese Markdown financial-report analysis for ordinary investors, written from the perspective of a senior financial analyst, fund manager, and investment-bank analyst. Save the final `.md` file under the current project's `markdown/` directory.

## Workflow

1. Ingest the report.
   - Accept a URL, PDF, HTML filing, text file, spreadsheet, or local document.
   - Prefer official sources: SEC/EDGAR, exchange filings, company investor-relations pages, audited annual reports, and earnings releases.
   - For recent market prices, current valuation multiples, analyst estimates, regulation, or news-sensitive facts, verify with current web sources and cite them.
   - If the report is long, extract the table of contents, MD&A, financial statements, notes, risk factors, segment data, cash-flow statement, and accounting-policy notes first.

2. Build the data spine before writing opinions.
   - Identify reporting period, currency, accounting standard, consolidation scope, restatements, and comparability issues.
   - Extract revenue, gross profit, operating profit, net income, EPS, operating cash flow, free cash flow, capex, cash, debt, equity, AR, inventory, goodwill, R&D, share count, segment/geographic revenue, and management guidance.
   - Compare year over year and, when available, sequentially. State whether each conclusion comes from reported data, calculation, management commentary, or external verification.

3. Read `references/analysis-framework.md` when preparing the analysis.
   - Use it as the checklist for core questions, accounting traps, hidden risks, business-model transitions, valuation scenarios, and Tesla-style deep-dive questions.
   - Do not paste the checklist mechanically; select what matters for the company and explain why.

The rest: https://github.com/digoal/blog/blob/HEAD/skills/financial-report-analysis/SKILL.md