financial-report-analyzer-prov1.0.0

An individual investor uploads a 10-K or A-share annual report PDF and asks the skill to extract key financials, compute ROE, gross margin, and cash conversion cycle, and flag earnings-management signals before deciding whether to dig deeper. The skill returns a traceable 5-section report with page-level provenance so the user can verify every number.

A buy-side analyst uses the skill to normalize 10-K and A-share annual reports across 3-5 comparable companies into a common chart of accounts, then generates side-by-side YoY ratios and peer percentile rankings. The built-in peer DB or a custom Parquet benchmark lets them quickly identify outliers in margin and leverage.

A PE/VC investment associate feeds a Chinese or US IPO prospectus into the skill to surface red flags such as related-party transaction anomalies, goodwill concentration, and abnormal receivables growth relative to revenue. The skill produces a compliance audit log so the finding can be attached to the investment memo.

A commercial bank credit officer periodically runs the skill over listed borrower filings to track debt ratio, interest coverage, Z-score, and OCF/NI trends across quarters. Alert thresholds from the 18 red-flag heuristics trigger follow-up credit reviews before covenant breaches.

An accounting or finance student uploads a real annual report and asks the skill to explain the 40+ ratios, Dupont decomposition, and three-statement linkages with source citations. The structured JSON output and Markdown rendering make it easy to cross-check textbook formulas against actual disclosures.

The core analyzer is freely distributed via the openclaw-skill registry, but advanced peer benchmarking requires a curated industry median database. A paid tier provides quarterly refreshed peer benchmarks covering major global exchanges.

Expose the pipeline (ingest → normalize → compute → red-flag → render) as a metered REST API so robo-advisors, brokerage apps, and IR platforms can embed financial report analysis directly into their products. Pricing is per-report or per-seat.

Deploy the skill inside investment banks, audit firms, and corporate finance departments as an on-prem or VPC-hosted tool integrated with document management systems. Includes audit log retention, custom chart-of-accounts mapping, and regulator-specific red-flag rulesets.