Financial Analyzer
AI-powered financial analysis and investment evaluation tool.
Features
1. Financial Statement Analysis
- - Balance Sheet: Assets, liabilities, equity analysis
- Income Statement: Revenue, expenses, profit analysis
- Cash Flow Statement: Operating, investing, financing
- Statement of Changes: Equity changes tracking
2. Ratio Analysis
- - Liquidity Ratios: Current, quick, cash ratio
- Solvency Ratios: Debt, interest coverage, D/E
- Profitability Ratios: ROE, ROA, margins
- Efficiency Ratios: Turnover, asset utilization
- Market Ratios: P/E, P/B, PEG, dividend yield
3. Cash Flow Analysis
- - Operating Cash Flow: Quality of earnings
- Free Cash Flow: Valuation and health
- Cash Conversion: Efficiency metrics
- Burn Rate: Startup sustainability
4. Investment Evaluation
- - DCF Valuation: Discounted cash flow
- Relative Valuation: Peer comparison
- Graham Number: Value investing
- Intrinsic Value: Multiple methods
5. Risk Assessment
- - Altman Z-Score: Bankruptcy prediction
- Piotroski F-Score: Financial health
- Credit Risk: Default probability
- Operational Risk: Business stability
Installation
CODEBLOCK0
Usage
Basic Analysis
CODEBLOCK1
Ratio Analysis
CODEBLOCK2
Valuation
CODEBLOCK3
Risk Assessment
CODEBLOCK4
Financial Health Check
CODEBLOCK5
API Reference
Statement Analysis
| Method | Description |
|---|
| INLINECODE0 | Full analysis |
| INLINECODE1 |
Balance sheet analysis |
|
analyze_income(data) | Income statement analysis |
|
analyze_cash_flow(data) | Cash flow analysis |
Ratios
| Method | Description |
|---|
| INLINECODE4 | All ratios |
| INLINECODE5 |
Liquidity metrics |
|
solvency_ratios(data) | Solvency metrics |
|
profitability_ratios(data) | Profitability metrics |
|
efficiency_ratios(data) | Efficiency metrics |
Valuation
| Method | Description |
|---|
| INLINECODE9 | DCF model |
| INLINECODE10 |
Peer comparison |
|
graham_number(...) | Graham's formula |
|
earnings_power_value(...) | EPV valuation |
Risk
| Method | Description |
|---|
| INLINECODE13 | Bankruptcy risk |
| INLINECODE14 |
Financial health |
|
credit_risk_score(statements) | Credit assessment |
|
operational_risk(statements) | Business risk |
Reports
| Method | Description |
|---|
| INLINECODE17 | Full report |
| INLINECODE18 |
Summary |
|
peer_comparison(company, peers) | Compare with peers |
Key Ratios
Liquidity
| Ratio | Formula | Good Range |
|---|
| Current Ratio | Current Assets / Current Liabilities | 1.5 - 3.0 |
| Quick Ratio |
(CA - Inventory) / CL | 1.0 - 2.0 |
| Cash Ratio | Cash / CL | 0.2 - 0.5 |
Profitability
| Ratio | Formula | Interpretation |
|---|
| ROE | Net Income / Equity | Higher is better |
| ROA |
Net Income / Assets | Higher is better |
| Gross Margin | Gross Profit / Revenue | Industry dependent |
| Net Margin | Net Income / Revenue | Higher is better |
Leverage
| Ratio | Formula | Good Range |
|---|
| Debt/Equity | Total Debt / Equity | < 2.0 |
| Interest Coverage |
EBIT / Interest | > 3.0 |
| Debt/Assets | Total Debt / Assets | < 0.6 |
Efficiency
| Ratio | Formula | Interpretation |
|---|
| Asset Turnover | Revenue / Assets | Higher is better |
| Inventory Turnover |
COGS / Inventory | Industry dependent |
| Receivables Turnover | Revenue / Receivables | Higher is better |
Valuation Models
DCF Model
CODEBLOCK6
Graham Number
CODEBLOCK7
Risk Models
Altman Z-Score
CODEBLOCK8
Piotroski F-Score
CODEBLOCK9
Example: Full Analysis
CODEBLOCK10
Chinese Accounting Standards
Supports both:
- - CAS (Chinese Accounting Standards)
- IFRS (International Financial Reporting Standards)
- GAAP (US Generally Accepted Accounting Principles)
Use Cases
- - Investment Analysis: Evaluate investment opportunities
- Credit Analysis: Assess creditworthiness
- Due Diligence: M&A analysis
- Performance Tracking: Monitor company health
- Screening: Filter investment candidates
Best Practices
- 1. Use multiple ratios together
- Compare with industry peers
- Analyze trends over time
- Consider qualitative factors
- Understand accounting policies
Future Capabilities
- - Real-time data integration
- AI-powered insights
- Automated report generation
- Multi-company comparison
- Industry benchmarking
财务分析器
AI驱动的财务分析与投资评估工具。
功能特性
1. 财务报表分析
- - 资产负债表：资产、负债、权益分析
- 利润表：收入、费用、利润分析
- 现金流量表：经营、投资、筹资活动
- 权益变动表：权益变动追踪
2. 比率分析
- - 流动性比率：流动比率、速动比率、现金比率
- 偿债能力比率：负债比率、利息保障倍数、资产负债率
- 盈利能力比率：净资产收益率、总资产收益率、利润率
- 效率比率：周转率、资产利用率
- 市场比率：市盈率、市净率、市盈增长比率、股息率
3. 现金流分析
- - 经营活动现金流：盈利质量
- 自由现金流：估值与健康度
- 现金转换：效率指标
- 烧钱率：初创企业可持续性
4. 投资评估
- - DCF估值：现金流折现
- 相对估值：同行比较
- 格雷厄姆数：价值投资
- 内在价值：多种方法
5. 风险评估
- - Altman Z-Score：破产预测
- Piotroski F-Score：财务健康度
- 信用风险：违约概率
- 经营风险：业务稳定性
安装
bash
pip install numpy pandas
使用说明
基础分析
python
from financial_analyzer import FinancialAnalyzer
analyzer = FinancialAnalyzer()
分析一家公司
result = analyzer.analyze(
company=茅台,
statements={
balance
sheet: balancedata,
income
statement: incomedata,
cash
flow: cashflow_data
}
)
print(result[summary])
比率分析
python
计算所有比率
ratios = analyzer.calculate_ratios(statements)
print(ratios[liquidity])
{
current_ratio: 2.5,
quick_ratio: 1.8,
cash_ratio: 0.5
}
print(ratios[profitability])
{
roe: 0.28,
roa: 0.18,
gross_margin: 0.75,
net_margin: 0.52
}
估值
python
DCF估值
dcf = analyzer.dcf_valuation(
free
cashflow=50e9,
growth_rate=0.05,
discount_rate=0.10,
terminal_growth=0.03
)
print(f内在价值: {dcf[enterprise_value]:,.0f})
相对估值
relative = analyzer.relative_valuation(
company=茅台,
peers=[五粮液, 泸州老窖],
metrics={pe: 35, pb: 8}
)
风险评估
python
Altman Z-Score（破产风险）
z
score = analyzer.altmanz_score(statements)
print(fZ-Score: {z_score[score]:.2f})
print(f风险等级: {z
score[risklevel]})
Z-Score: 5.2
风险等级: 安全区（Z > 2.99）
Piotroski F-Score（财务健康度）
f
score = analyzer.piotroskif_score(statements)
print(fF-Score: {f_score[score]}/9)
财务健康检查
python
综合健康检查
health = analyzer.health_check(statements)
print(health[overall_score]) # 85/100
print(health[strengths])
print(health[weaknesses])
print(health[recommendations])
API参考
报表分析
| 方法 | 描述 |
|---|
| analyze(company, statements) | 全面分析 |
| analyzebalancesheet(data) |
资产负债表分析 |
| analyze_income(data) | 利润表分析 |
| analyze
cashflow(data) | 现金流量分析 |
比率
| 方法 | 描述 |
|---|
| calculateratios(statements) | 所有比率 |
| liquidityratios(data) |
流动性指标 |
| solvency_ratios(data) | 偿债能力指标 |
| profitability_ratios(data) | 盈利能力指标 |
| efficiency_ratios(data) | 效率指标 |
估值
| 方法 | 描述 |
|---|
| dcfvaluation(...) | DCF模型 |
| relativevaluation(...) |
同行比较 |
| graham_number(...) | 格雷厄姆公式 |
| earnings
powervalue(...) | 盈利价值估值 |
风险
| 方法 | 描述 |
|---|
| altmanzscore(statements) | 破产风险 |
| piotroskifscore(statements) |
财务健康度 |
| credit
riskscore(statements) | 信用评估 |
| operational_risk(statements) | 业务风险 |
报告
| 方法 | 描述 |
|---|
| generatereport(analysis) | 完整报告 |
| summaryreport(analysis) |
摘要 |
| peer_comparison(company, peers) | 同行比较 |
关键比率
流动性
| 比率 | 公式 | 良好范围 |
|---|
| 流动比率 | 流动资产 / 流动负债 | 1.5 - 3.0 |
| 速动比率 |
(流动资产 - 存货) / 流动负债 | 1.0 - 2.0 |
| 现金比率 | 现金 / 流动负债 | 0.2 - 0.5 |
盈利能力
净利润 / 资产 | 越高越好 |
| 毛利率 | 毛利润 / 收入 | 取决于行业 |
| 净利率 | 净利润 / 收入 | 越高越好 |
杠杆
| 比率 | 公式 | 良好范围 |
|---|
| 资产负债率 | 总负债 / 总权益 | < 2.0 |
| 利息保障倍数 |
EBIT / 利息 | > 3.0 |
| 负债资产比 | 总负债 / 总资产 | < 0.6 |
效率
| 比率 | 公式 | 解读 |
|---|
| 资产周转率 | 收入 / 资产 | 越高越好 |
| 存货周转率 |
销售成本 / 存货 | 取决于行业 |
| 应收账款周转率 | 收入 / 应收账款 | 越高越好 |
估值模型
DCF模型
python
{
method: dcf,
steps: [
预测自由现金流,
计算终值,
折现到现值,
减去债务，加上现金
],
inputs: {
fcf: 自由现金流,
growth_rate: 预期增长率,
wacc: 加权平均资本成本,
terminal_growth: 长期增长率
}
}
格雷厄姆数
python
graham
number = sqrt(22.5 EPS BookValue
PerShare)
风险模型
Altman Z-Score
Z = 1.2X1 + 1.4X2 + 3.3X3 + 0.6X4 + 1.0*X5
X1 = 营运资本 / 总资产
X2 = 留存收益 / 总资产
X3 = EBIT / 总资产
X4 = 市值 / 总负债
X5 = 销售额 / 总资产
解读：
Z > 2.99：安全区
1.81 < Z < 2.99：灰色区
Z < 1.81：危险区
Piotroski F-Score
9项标准，每项1分：
- 1. 正ROA
- 正经营现金流
- ROA改善
- 经营现金流 > 净利润
- 较低负债率
- 较高流动比率
- 无股份稀释
- 较高毛利率
- 较高资产周转率
分数解读：
8-9：强
6-7：良好
4-5：一般
0-3：弱
示例：完整分析
python
from financial_analyzer import FinancialAnalyzer
analyzer = FinancialAnalyzer()
公司财务数据
statements = {
balance_sheet
