financial-analyst

# Financial Analyst Skill ## Overview Production-ready financial analysis toolkit providing ratio analysis, DCF valuation, budget variance analysis, and rolling forecast construction. Designed for financial modeling, forecasting & budgeting, management reporting, business performance analysis, and investment analysis. ## 5-Phase Workflow ### Phase 1: Scoping - Define analysis objectives and stakeholder requirements - Identify data sources and time periods - Establish materiality thresholds and accuracy targets - Select appropriate analytical frameworks ### Phase 2: Data Analysis & Modeling - Collect and validate financial data (income statement, balance sheet, cash flow) - **Validate input data completeness** before running ratio calculations (check for missing fields, nulls, or implausible values) - Calculate financial ratios across 5 categories (profitability, liquidity, leverage, efficiency, valuation) - Build DCF models with WACC and terminal value calculations; **cross-check DCF outputs against sanity bounds** (e.g., implied multiples vs. comparables) - Construct budget variance analyses with favorable/unfavorable classification - Develop driver-based forecasts with scenario modeling ### Phase 3: Insight Generation - Interpret ratio trends and benchmark against industry standards - Identify material variances and root causes - Assess valuation ranges through sensitivity analysis - Evaluate forecast scenarios (base/bull/bear) for decision support ### Phase 4: Repor...