financial-report-analysis

上市公司财务报表智能分析 - 自动解析资产负债表、利润表、现金流量表，生成专业财务分析报告

Security Scan

The skill's files, instructions, and requirements are internally consistent: it is an instruction-only financial analysis tool that currently uses local sample data and does not request credentials or perform network activity.

Purpose & Capability

Name/description promise (financial statement analysis) aligns with the provided SKILL.md and the included Python script which implements ratio calculations, risk checks, report formatting and CLI invocation. The SKILL.md mentions optional real-time data sources (Eastmoney/Wind/SEC/Yahoo), which is reasonable as an optional enhancement; the shipped code uses only embedded SAMPLE_DATA, which is consistent with an initial/instruction-only release.

Instruction Scope

SKILL.md describes using external data sources and an optional config for a 'data_source' and cache, but the runtime instructions and the included script do not access network, files, or environment variables: get_financial_data() currently returns SAMPLE_DATA and has TODO comments for API integration. This is a scope note (the skill claims it can pull live data, but the provided code does not yet implement that).

Install Mechanism

No install spec is provided (instruction-only plus a single Python script). Nothing is downloaded or written to disk by an installer; therefore install risk is low.

Credentials

The skill declares no required environment variables or credentials. SKILL.md mentions optional API keys / config for real-time data, but these are not required and not implemented in the shipped code. If you later enable live data, you should expect to provide service-specific API keys—only provide keys you trust and review the integration code first.

Persistence & Privilege

The skill is not marked always:true and is user-invocable only. It does not request persistent system-level presence or modify other skills. Autonomous invocation (disable-model-invocation=false) is the platform default and is not combined with other red flags here.

Assessment

This skill appears coherent and low-risk in its current form: it runs local calculations on embedded sample data, does not contact external endpoints, and asks for no credentials. Before using it for real-time analysis or providing API keys: 1) verify and/or implement the data-source integration code (currently TODO) and confirm which endpoints it will call; 2) never paste production API keys into a skill unless you inspected the code that will use them; 3) if you plan to pay the developer, independently verify the vendor (company name, contact, and payment channels) to avoid scams; and 4) treat outputs as advisory only (the skill includes a disclaimer)—do not rely on it for investment decisions without independent verification.

财报分析

专业级上市公司财务报表分析工具，支持A股、港股、美股上市公司财务数据解析与评估。

功能特性

• 📊 三大报表分析: 资产负债表、利润表、现金流量表全面解析
• 📈 财务指标计算: ROE、ROA、毛利率、净利率、资产负债率等20+指标
• ⚠️ 风险识别: 自动识别财务风险点，提供风险等级评估
• 📋 报告生成: 一键生成专业分析报告，支持多种格式导出
• 🔍 对比分析: 支持多公司财务数据对比
• 📅 趋势分析: 多年度财务趋势追踪

使用方式

# 单公司分析
分析 贵州茅台 2025年年报

# 指定报告期
分析 腾讯控股 2024年三季报

# 对比分析
对比分析 比亚迪 和 蔚来 2025年财报

# 行业分析
分析白酒行业龙头企业财报对比

# 趋势分析
分析 贵州茅台 近5年盈利趋势

配置要求

必需配置

无特殊配置要求，开箱即用。

可选配置

如需更实时数据，可配置以下API密钥：

{
  "skills": {
    "entries": {
      "financial-report-analysis": {
        "config": {
          "data_source": "eastmoney",
          "cache_enabled": true
        }
      }
    }
  }
}

数据来源

• A股: 东方财富、同花顺、Wind
• 港股: 港交所、东方财富
• 美股: SEC EDGAR、Yahoo Finance

输出示例

========================================
           财务分析报告
========================================

【公司信息】
  公司名称: 贵州茅台
  股票代码: 600519
  所属行业: 白酒
  报告期: 2025年年报

【财务指标】
  盈利能力:
    - ROE(净资产收益率): 32.50%
    - ROA(总资产收益率): 27.37%
    - 毛利率: 89.66%
    - 净利率: 53.79%

  偿债能力:
    - 资产负债率: 15.79%
    - 流动比率: 4.74
    - 速动比率: 4.74

  运营能力:
    - 总资产周转率: 0.51

  现金流:
    - 经营现金流/净利润: 1.09

【风险提示】
  - [低] 偿债风险: 资产负债率低，偿债能力强
  - [低] 现金流风险: 经营现金流充裕，利润质量高

【投资建议】
  综合评分: 95分
  评级: 优秀
  建议: 公司财务状况优秀，盈利能力强，现金流健康

========================================
免责声明: 本报告仅供参考，不构成投资建议
========================================

注意事项

1. 财务数据仅供参考，不构成投资建议
2. 数据可能存在延迟，请以官方披露为准
3. 分析结果受数据质量和模型限制
4. 建议结合行业研究和实地调研

更新日志

v1.0.0 (2026-04-01)

• 初始版本发布
• 支持A股、港股、美股财报分析
• 实现核心财务指标计算
• 支持报告自动生成

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开发者: 盈指量杭州科技有限公司
定价: ¥99/次 或 ¥299/月订阅
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