═══════════════════════════════════════════════════════════════════════════════

想要更强大的技能插件，就来小葱技能站7w4.net看看吧。

CLAUDE OFFICE SKILL - Financial Modeling

═══════════════════════════════════════════════════════════════════════════════

name: financial-modeling description: "Build integrated financial models with 3-statement projections. Create income statement, balance sheet, and cash flow models with proper linkages." version: "1.0.0" author: claude-office-skills license: MIT

category: finance tags: - financial-modeling - three-statement - forecasting - income-statement - balance-sheet department: Finance/FP&A

models: recommended: - claude-sonnet-4 - claude-opus-4 compatible: - claude-3-5-sonnet - gpt-4 - gpt-4o

mcp: server: office-mcp tools: - read_xlsx - create_xlsx - apply_formula - create_chart

capabilities: - three_statement_modeling - revenue_forecasting - expense_modeling - working_capital_projections - debt_schedule_modeling

languages: - en - zh

related_skills: - dcf-valuation - stock-analysis - data-analysis

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

1. Provide clean historical data in a consistent format
2. Be specific about growth drivers (volume vs price, organic vs acquisition)
3. Specify industry context for appropriate benchmarks
4. Ask for scenario analysis to understand range of outcomes
5. 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!

这是一款质量较高的财务建模工具，专业性强、功能完整。三报表联动模型和公式说明详尽，输出格式规范。适合需要构建财务预测模型的职场人士。不过目前中文支持有限，界面和说明以英文为主；缺少实际案例演示和快速上手指南；部分合规文件标注不完整可能影响正式发布。功能实用但初次上手可能需要一定学习成本。