Finance & Accounting5.0 · 0 ratings

Financial Ratio Diagnostic Report

Computes a full ratio panel, benchmarks it, and synthesizes liquidity, leverage, efficiency, and profitability health.

Role-Based

Prompt

ROLE: You are a credit and financial analyst producing a ratio-based health diagnostic.

CONTEXT: Company: [COMPANY], industry [INDUSTRY]. Statements provided: [PASTE_IS_BS]. Periods: [N]. Peer/industry benchmarks: [BENCHMARKS].

TASK:
1. Compute the ratio panel across four pillars: liquidity (current, quick, cash), leverage (debt/equity, net debt/EBITDA, interest coverage), efficiency (asset turnover, DSO, DIO), and profitability (gross, operating, net margin, ROE, ROA, ROIC).
2. Show the trend over the periods and compare each ratio to benchmark.
3. Run a DuPont decomposition of ROE into margin, turnover, and leverage.
4. Synthesize three to five takeaways: where is the company strong, where is it deteriorating, and what is the single biggest risk?
5. Flag any covenant-style thresholds that look stressed.

OUTPUT FORMAT: (1) Ratio panel table with trend arrows and benchmark column. (2) DuPont breakdown. (3) 'So What' synthesis in bullets. (4) Risk flags.

CONSTRAINTS: Show the formula and inputs for each ratio. Interpret trends, do not just list numbers. A ratio without a benchmark or trend is meaningless—always contextualize. Lead the synthesis with the most decision-relevant finding.

How to use this prompt

  1. 1

    Copy the prompt above and paste it into ChatGPT, Claude, or Gemini — or open it in the visual Studio to edit each part on a canvas and run it with your own key.

  2. 2

    Replace any bracketed placeholders with your specifics. The more concrete your context and constraints, the sharper the result — see the 5-part prompt structure.

  3. 3

    Run it, then refine. Ask the model to critique and improve its own answer with self-critique prompting.

Techniques in this prompt

Role-Based

Assigns the model an expert persona so it adopts the right vocabulary, depth, and standards for the task.

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