From us-stock-analysis
Analyzes 10-K, 10-Q, earnings releases, and proxy statements to extract investment insights from revenue breakdowns, MD&A, risks, and management tone.
npx claudepluginhub yennanliu/investskill --plugin us-stock-analysisThis skill uses the workspace's default tool permissions.
Extract deep investment insights from official company financial filings and reports — 10-K annual reports, 10-Q quarterly reports, earnings press releases, proxy statements (DEF 14A), and investor presentations. Combines quantitative financial analysis with qualitative assessment of management tone, strategy, and risk disclosure.
Analyzes earnings call transcripts for sentiment, key themes, management tone, financial guidance changes, surprises, red flags, and Q&A insights.
Researches SEC filings, earnings calls, analyst reports, and market data. Useful for financial crimes, corporate stories, or market events in projects.
Extracts and structures REIT profiles from 10-K filings, supplemental packages, earnings transcripts, and presentations. Covers portfolio composition, same-store metrics, leverage, liquidity, cost of capital, and management signals.
Share bugs, ideas, or general feedback.
Extract deep investment insights from official company financial filings and reports — 10-K annual reports, 10-Q quarterly reports, earnings press releases, proxy statements (DEF 14A), and investor presentations. Combines quantitative financial analysis with qualitative assessment of management tone, strategy, and risk disclosure.
Official filings are the primary source of truth for company analysis. Unlike financial data terminals (which aggregate selected metrics), the actual 10-K and 10-Q contain management's own words, full footnote disclosures, legal risk factors, and accounting policy choices that are invisible in summary data feeds. This skill teaches you to read between the lines of official documents and convert dense regulatory language into actionable investment insights.
Provide the report in one of these ways:
# Paste report text directly
/financial-report-analyst [paste 10-K or 10-Q sections]
# Reference a specific ticker for the most recent filing
/financial-report-analyst AAPL 10-K
# Analyze a specific section
/financial-report-analyst MSFT 10-Q --section risk-factors
# Full deep-dive analysis
/financial-report-analyst NVDA 10-K --full
# Comparative: compare current vs prior period filing
/financial-report-analyst GOOGL --compare-prior
Before diving into numbers, understand what kind of document this is and what period it covers:
The MD&A is management's own narrative explanation of results. Read it critically — management has incentives to highlight positives and minimize negatives.
2.1 Revenue Analysis
Extract and analyze from MD&A:
Revenue Breakdown Table:
Segment/Product Line Current Period Prior Period YoY Change % Commentary
─────────────────────────────────────────────────────────────────────────────────────
[Segment 1]
[Segment 2]
[Geographic: Americas]
[Geographic: EMEA]
[Geographic: APAC]
─────────────────────────────────────────────────────────────────────────────────────
Total Revenue
Key questions to answer from MD&A:
2.2 Margin Analysis
Margin Trend Table:
Metric Current Period Prior Period QoQ or YoY Explanation from MD&A
──────────────────────────────────────────────────────────────────────────────────────
Gross Margin %
Operating Margin %
Net Margin %
Adjusted EBITDA % (if disclosed)
FCF Margin % (Operating CF - Capex)
──────────────────────────────────────────────────────────────────────────────────────
Red flags in margin discussion:
2.3 Liquidity and Capital Resources
From the Liquidity section of MD&A, extract:
2.4 Forward-Looking Statements Analysis
Catalog management's specific guidance language:
Guidance Item Specific Language Used Strength (Specific/Vague/Hedged)
────────────────────────────────────────────────────────────────────────────────────
Revenue Guidance
Margin Guidance
Capex Guidance
Hiring/Headcount
Product Launch Timing
────────────────────────────────────────────────────────────────────────────────────
Flag: When management shifts from specific numerical guidance to directional language ("we expect continued growth"), this is a meaningful signal of reduced confidence.
3.1 Income Statement Quality Assessment
Line Item Analysis:
Current Prior Change Quality Note
Revenue $ $ %
COGS $ $ %
Gross Profit $ %GP
R&D $ %Rev
S&M $ %Rev
G&A $ %Rev
Operating Income $ %OM
Interest Expense $ $
Tax Rate % %
Net Income (GAAP) $
EPS (GAAP) $
Non-GAAP EPS $ Reconciliation items: ___
Quality checks:
3.2 Balance Sheet Analysis
Balance Sheet Health Check:
Asset Quality:
Cash & Equivalents: $___ (% of total assets)
Accounts Receivable: $___ DSO: ___ days (vs. prior: ___)
Inventory: $___ DIO: ___ days (vs. prior: ___)
Goodwill & Intangibles: $___ (% of total assets) — impairment risk?
Other Long-Term Assets: $___
Liability Structure:
Short-Term Debt: $___ (due within 12 months)
Long-Term Debt: $___
Total Debt: $___
Net Debt/(Cash): $___
Interest Coverage Ratio: ___x (EBIT / Interest Expense)
Debt/EBITDA: ___x
Equity Quality:
Retained Earnings Trend: Growing / Declining / Negative
Treasury Stock: $___ (buyback history)
AOCI: $___ (pension obligations, FX hedges)
Balance sheet red flags:
3.3 Cash Flow Statement — The Truth Teller
The cash flow statement is the hardest to manipulate. Always reconcile GAAP net income to operating cash flow:
Cash Flow Quality Analysis:
Operating Cash Flow: $___
Less: Capex: $___
Free Cash Flow: $___ FCF Margin: __%
FCF Conversion Rate: ___ (FCF / Net Income — should be >80% for quality businesses)
Working Capital Changes:
AR Change (use/source): $___
Inventory Change: $___
AP Change: $___
Deferred Revenue Change: $___
Net Working Capital Impact: $___
SBC Add-Back: $___ (% of Revenue — >5% is dilutive)
D&A Add-Back: $___ (% of Revenue — maintenance capex proxy)
Cash flow quality flags:
The Risk Factors section (Item 1A in 10-K) is legally required to disclose material risks. Read for:
4.1 New vs. Removed Risk Factors
Compare current filing's risk factors against the prior period:
Risk Factor Changes:
NEW Risks Added (first appearance):
1. [Risk title] — [Category: Business/Regulatory/Macro/Competition/Cyber/Legal]
2. ...
REMOVED Risks (previously disclosed, now gone):
1. [What was removed] — [Why might this be significant?]
ELEVATED Risks (same risk, but expanded disclosure or moved higher in list):
1. [Risk title] — [What changed in the language]
Risk categories to flag as highest priority:
4.2 Litigation and Legal Proceedings
From footnotes and Item 3 (Legal Proceedings):
Footnotes contain what management would prefer investors not to focus on.
5.1 Critical Accounting Estimates
Management must disclose "critical accounting estimates" — areas where judgment most affects reported results:
Critical Estimate Review:
Revenue Recognition: [Policy and any changes]
Goodwill Impairment: [Testing methodology, headroom]
Stock-Based Comp: [Fair value models, assumptions]
Deferred Tax Assets: [Valuation allowance — any new allowances = warning]
Contingent Liabilities: [What is and isn't accrued]
Pension/OPEB: [Return assumption, discount rate]
5.2 Related Party Transactions
Any transactions between the company and executives, board members, or major shareholders. These require heightened scrutiny for potential conflicts of interest.
5.3 Segment Reporting
When companies add or remove reporting segments, investigate:
Apply natural language analysis to management's own words:
6.1 Tone Scoring
Rate management's tone across key sections:
Tone Assessment:
Section Tone Score (1=Very Negative → 5=Very Positive) Key Language
──────────────────────────────────────────────────────────────────────────────────
MD&A Overview
Revenue Discussion
Margin Discussion
Guidance Language
Risk Factors Framing
CEO Letter (if present)
──────────────────────────────────────────────────────────────────────────────────
Overall Tone: [Score] / 5
Change vs. Prior: More Positive / Same / More Negative
6.2 Hedging Language Flags
Flag specific hedging phrases that indicate uncertainty:
6.3 Management Credibility Tracking
Guidance Accuracy Scorecard (prior 4 quarters):
Period Revenue Guidance Actual Beat/Miss Margin Guidance Actual Beat/Miss
Q-4
Q-3
Q-2
Q-1
──────────────────────────────────────────────────────────────────────────────────────────
Batting Average: ___ Beat Rate: ___ Avg. Miss: ___
For 10-Q analysis, compare against the same quarter prior year AND the sequential prior quarter:
YoY and Sequential Comparison:
Metric Current Q Prior Q (seq) Prior Year Q YoY % QoQ %
Revenue
Gross Margin
Operating Income
EPS (GAAP)
FCF
Identify if trends are:
Cross-reference with available SEC Form 4 data around the filing date:
High-level verdict on the filing quality and key takeaways for investors. Address: Is this a better or worse filing than prior periods? What is the single most important thing an investor should take away?
┌─────────────────────────────────────────────────────────────────┐
│ FINANCIAL REPORT ANALYSIS — [TICKER] [Filing Type] [Period] │
├────────────────────────┬────────────────────────────────────────┤
│ Revenue Growth │ [%] YoY [Organic vs. Acquired] │
│ Gross Margin │ [%] (vs. prior: [%] Δ [bps]) │
│ Operating Margin │ [%] (vs. prior: [%] Δ [bps]) │
│ FCF Margin │ [%] (FCF Conversion: [%]) │
│ Net Debt / (Cash) │ $[M] (Debt/EBITDA: [x]) │
│ DSO │ [days] (vs. prior: [days]) │
│ Management Tone │ [Positive / Neutral / Cautious] │
├────────────────────────┼────────────────────────────────────────┤
│ Filing Quality Score │ [Score] / 10 │
│ Earnings Quality Score │ [Score] / 10 │
│ Balance Sheet Score │ [Score] / 10 │
└────────────────────────┴────────────────────────────────────────┘
Positives (Bullish Signals):
Negatives (Bearish Signals):
Neutral / Watch Items:
| # | Red Flag | Severity | Where Found | Implication |
|---|---|---|---|---|
| 1 | HIGH/MED/LOW |
| Criterion | Score (0–3) | Notes |
|---|---|---|
| Revenue recognition clarity | ||
| Non-GAAP reconciliation quality | ||
| FCF conversion rate | ||
| Working capital trends | ||
| Footnote transparency | ||
| Auditor opinion | ||
| Related party transactions | ||
| Total | /21 |
Score guide: 18–21 = High quality | 12–17 = Average | <12 = Scrutinize further
# Paste raw text from 10-K or 10-Q sections
/financial-report-analyst [paste filing text]
# Analyze specific section of a recent filing
/financial-report-analyst AAPL 10-K --section md&a
/financial-report-analyst MSFT 10-Q --section risk-factors
/financial-report-analyst NVDA 10-K --section cash-flow
# Full report analysis (all sections)
/financial-report-analyst GOOGL 10-K --full
# Compare current vs prior filing
/financial-report-analyst META 10-K --compare-prior
# Quick earnings press release analysis
/financial-report-analyst AMZN --press-release [paste text]
# Proxy statement analysis
/financial-report-analyst TSLA --proxy
All analysis concludes with this standardized block:
╔══════════════════════════════════════════════╗
║ INVESTMENT SIGNAL ║
╠══════════════════════════════════════════════╣
║ Signal: BULLISH / NEUTRAL / BEARISH ║
║ Confidence: HIGH / MEDIUM / LOW ║
║ Horizon: SHORT / MEDIUM / LONG-TERM ║
║ Score: X.X / 10 ║
╠══════════════════════════════════════════════╣
║ Action: BUY / HOLD / SELL ║
║ Conviction: STRONG / MODERATE / WEAK ║
╚══════════════════════════════════════════════╝
Score Guide: 8.0–10.0 Strongly Bullish | 6.0–7.9 Moderately Bullish | 4.0–5.9 Neutral | 2.0–3.9 Moderately Bearish | 0.0–1.9 Strongly Bearish Confidence: HIGH (strong data, clear signals) | MEDIUM (mixed signals) | LOW (limited data, conflicting signals) Horizon: SHORT-TERM (1 week–3 months) | MEDIUM-TERM (3 months–1 year) | LONG-TERM (1+ years)