financial-modeling

Este extracto es una copia guardada durante la revisión. La fuente externa contiene la versión completa y actual.

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# CLAUDE OFFICE SKILL - Financial Modeling
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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

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## 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

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## 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 Rece