---
id: daily-financial-modeling
name: "financial-modeling"
url: https://skills.yangsir.net/skill/daily-financial-modeling
author: claude-office-skills
domain: finance
tags: ["financial-modeling", "finance", "accounting", "valuation", "excel"]
install_count: 2000
rating: 4.30 (20 reviews)
github: https://github.com/claude-office-skills/skills
---

# financial-modeling

> 构建集成三表财务模型，连接利润表、资产负债表和现金流量表，用于估值、预算和战略规划

**Stats**: 2,000 installs · 4.3/5 (20 reviews)

## Before / After 对比

### 财务模型构建

**Before**:

手动在 Excel 中构建财务模型，处理复杂的表间链接，容易出错且难以维护

**After**:

自动生成集成三表模型，确保数据一致性和计算准确性

| Metric | Before | After | Change |
|---|---|---|---|
| 模型构建时间 | 20hours | 2hours | -90% |
| 错误率 | 15% | 2% | -87% |

## Readme

# financial-modeling

# Financial Modeling Skill

## Overview

I help you build integrated 3-statement financial models that link Income Statement, Balance Sheet, and Cash Flow Statement. These models are essential for valuation, budgeting, and strategic planning.

**What I can do:**

- Build income statement projections

- Create balance sheet forecasts

- Generate cash flow statements

- Model working capital requirements

- Build debt schedules and interest calculations

- Create scenario analysis (base/bull/bear cases)

**What I cannot do:**

- Access real-time financial data

- Guarantee projection accuracy

- Provide accounting advice

- Replace professional financial analysis

## How to Use Me

### Step 1: Provide Historical Data

I need 2-3 years of:

- Income statement (revenue, COGS, operating expenses)

- Balance sheet (assets, liabilities, equity)

- Cash flow statement (optional but helpful)

### Step 2: Define Projection Assumptions

Key drivers:

- Revenue growth rate

- Gross margin

- Operating expense ratios

- Capex as % of revenue

- Working capital days (DSO, DIO, DPO)

### Step 3: Choose Model Scope

- **Basic**: Income statement only

- **Standard**: Income statement + balance sheet

- **Full**: Complete 3-statement model with cash flow

## Model Architecture

### Three-Statement Linkages

```
┌─────────────────────────────────────────────────────────────┐
│                    INCOME STATEMENT                         │
│  Revenue → Gross Profit → Operating Income → Net Income     │
└─────────────────────────┬───────────────────────────────────┘
                          │
        Net Income flows to Retained Earnings
                          │
                          ▼
┌─────────────────────────────────────────────────────────────┐
│                    BALANCE SHEET                            │
│  Assets = Liabilities + Equity                              │
│  (Must balance via Cash as plug)                            │
└─────────────────────────┬───────────────────────────────────┘
                          │
        Changes in B/S items drive CF Statement
                          │
                          ▼
┌─────────────────────────────────────────────────────────────┐
│                  CASH FLOW STATEMENT                        │
│  Operating CF + Investing CF + Financing CF = Δ Cash        │
│  Ending Cash flows back to Balance Sheet                    │
└─────────────────────────────────────────────────────────────┘

```

### Key Formulas

#### Income Statement Drivers

```
Revenue = Prior Year × (1 + Growth Rate)
COGS = Revenue × (1 - Gross Margin %)
Gross Profit = Revenue - COGS
SG&A = Revenue × SG&A %
EBITDA = Gross Profit - SG&A
D&A = Prior PP&E × D&A Rate OR Revenue × D&A %
EBIT = EBITDA - D&A
Interest = Avg Debt × Interest Rate
EBT = EBIT - Interest
Taxes = EBT × Tax Rate
Net Income = EBT - Taxes

```

#### Balance Sheet Drivers

```
Accounts Receivable = Revenue × (DSO / 365)
Inventory = COGS × (DIO / 365)
Accounts Payable = COGS × (DPO / 365)
PP&E = Prior PP&E + Capex - D&A
Retained Earnings = Prior RE + Net Income - Dividends
Cash = Total Liabilities + Equity - Other Assets (plug)

```

#### Cash Flow Statement

```
Operating Cash Flow:
  Net Income
  + D&A (non-cash)
  - Increase in AR
  - Increase in Inventory
  + Increase in AP
  = Cash from Operations

Investing Cash Flow:
  - Capex
  = Cash from Investing

Financing Cash Flow:
  + Debt Issuance
  - Debt Repayment
  - Dividends
  = Cash from Financing

Net Change in Cash = CFO + CFI + CFF

```

## Output Format

```
# Financial Model: [Company Name]

**Projection Period**: [Years]
**Base Year**: [Year]
**Currency**: [USD/CNY/etc.]

---

## Key Assumptions

| Driver | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|--------|--------|--------|--------|--------|--------|
| Revenue Growth | XX% | XX% | XX% | XX% | XX% |
| Gross Margin | XX% | XX% | XX% | XX% | XX% |
| SG&A % Revenue | XX% | XX% | XX% | XX% | XX% |
| Capex % Revenue | XX% | XX% | XX% | XX% | XX% |
| DSO (days) | XX | XX | XX | XX | XX |
| DIO (days) | XX | XX | XX | XX | XX |
| DPO (days) | XX | XX | XX | XX | XX |

---

## Income Statement Projection

| ($M) | Base | Y1 | Y2 | Y3 | Y4 | Y5 |
|------|------|-----|-----|-----|-----|-----|
| **Revenue** | | | | | | |
| Growth % | | | | | | |
| COGS | | | | | | |
| **Gross Profit** | | | | | | |
| Gross Margin % | | | | | | |
| SG&A | | | | | | |
| **EBITDA** | | | | | | |
| EBITDA Margin % | | | | | | |
| D&A | | | | | | |
| **EBIT** | | | | | | |
| Interest Expense | | | | | | |
| **EBT** | | | | | | |
| Taxes | | | | | | |
| **Net Income** | | | | | | |
| Net Margin % | | | | | | |

---

## Balance Sheet Projection

| ($M) | Base | Y1 | Y2 | Y3 | Y4 | Y5 |
|------|------|-----|-----|-----|-----|-----|
| **ASSETS** | | | | | | |
| Cash | | | | | | |
| Accounts Receivable | | | | | | |
| Inventory | | | | | | |
| **Current Assets** | | | | | | |
| PP&E (net) | | | | | | |
| Other Assets | | | | | | |
| **Total Assets** | | | | | | |
| | | | | | | |
| **LIABILITIES** | | | | | | |
| Accounts Payable | | | | | | |
| Short-term Debt | | | | | | |
| **Current Liabilities** | | | | | | |
| Long-term Debt | | | | | | |
| **Total Liabilities** | | | | | | |
| | | | | | | |
| **EQUITY** | | | | | | |
| Common Stock | | | | | | |
| Retained Earnings | | | | | | |
| **Total Equity** | | | | | | |
| **Total L + E** | | | | | | |

✓ Balance Check: Assets = Liabilities + Equity

---

## Cash Flow Statement

| ($M) | Y1 | Y2 | Y3 | Y4 | Y5 |
|------|-----|-----|-----|-----|-----|
| **Operating Activities** | | | | | |
| Net Income | | | | | |
| D&A | | | | | |
| Change in AR | | | | | |
| Change in Inventory | | | | | |
| Change in AP | | | | | |
| **Cash from Operations** | | | | | |
| | | | | | |
| **Investing Activities** | | | | | |
| Capex | | | | | |
| **Cash from Investing** | | | | | |
| | | | | | |
| **Financing Activities** | | | | | |
| Debt Changes | | | | | |
| Dividends | | | | | |
| **Cash from Financing** | | | | | |
| | | | | | |
| **Net Change in Cash** | | | | | |
| Beginning Cash | | | | | |
| **Ending Cash** | | | | | |

---

## Key Metrics Summary

| Metric | Base | Y1 | Y2 | Y3 | Y4 | Y5 |
|--------|------|-----|-----|-----|-----|-----|
| Revenue Growth | | | | | | |
| Gross Margin | | | | | | |
| EBITDA Margin | | | | | | |
| Net Margin | | | | | | |
| ROE | | | | | | |
| Debt/Equity | | | | | | |
| FCF | | | | | | |

```

## Tips for Better Results

- **Provide clean historical data** in a consistent format

- **Be specific about growth drivers** (volume vs price, organic vs acquisition)

- **Specify industry context** for appropriate benchmarks

- **Ask for scenario analysis** to understand range of outcomes

- **Request sensitivity tables** for key assumptions

## Limitations

- Projections are only as good as the assumptions

- Cannot model complex corporate structures

- Does not account for one-time items automatically

- Simplified tax calculations

- Currency assumed constant (no FX modeling)

*Built by the Claude Office Skills community. Contributions welcome!*
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*Source: https://skills.yangsir.net/skill/daily-financial-modeling*
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