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📈 Financial Statement Analysis
Paste your statements (income statement / balance sheet / cash flow) and get key ratios with a reading on each, plus strengths and concerns. A draft to verify — not investment or audit advice.
- Computed from your numbers. Every ratio uses only the figures you paste — nothing invented.
- Plain-English readings. Each ratio comes with a one-line take on what it means.
- Export to Excel. Download the full ratio table for your own model.
See the quality — a real example
Sample only · no credits usedInput — pasted statement lines
Revenue 8.4M · COGS 5.1M · Net income 0.92M · Current assets 3.2M · Current liabilities 1.9M · Total debt 2.6M · Equity 4.1M · Operating cash flow 1.3M
Output — ratios & reading
- Current ratio 1.68 — comfortable short-term liquidity.
- Net margin 11.0% — healthy profitability for this revenue base.
- Debt-to-equity 0.63 — moderate, well within a safe range.
- OCF / net income 1.41 — earnings backed by real cash.
Strength: cash flow exceeds reported profit. Concern: ~39% gross margin leaves thin room if COGS rises.
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