This section is about reading a company from its financial statements: is it healthy, is it heading toward bankruptcy, how much cash is stuck in operations, what it is worth, and what its own executives do with its shares. All templates run on real reports from three very different companies — Apple, Walmart, and Coca-Cola.
Every template is a live walkthrough on demo data: open it in the Templates section of Analytics Agent and press “Use this template” to run it on your own data.
Financial Ratios (Is This Company Healthy?)
Shows: eight health metrics for each of 24 quarters — ability to pay its bills, profitability, debt, efficiency — with common normal ranges and four rules for reading them together, so one metric alone doesn’t cause panic.
You get: a first check of a counterparty, supplier, or issuer against real financial statements — and a clear “healthy / watch” verdict instead of a table of numbers with no conclusion.
Altman Z-Score (Bankruptcy-Shaped, or Not?)
Shows: a number proven over decades for how closely a company resembles a bankrupt, broken into five components, with safe, gray, and crisis zones marked right on the chart.
You get: a quick way to screen out a risky counterparty before signing a contract — and an understanding of what drives the total, so you never read a single number blind.
Working Capital (How Much Cash Is Trapped in Operations?)
Shows: the cash cycle in days — how long the company waits to collect from customers, how long it holds inventory, and when it pays suppliers — quarter by quarter, with a breakdown of which part of the cycle shifted and why.
You get: profitable companies die on working cash — here you see how much money is stuck between buying goods and getting paid by the customer, and how much of your own money you are lending to suppliers.
DCF Valuation (What Is It Worth by Its Cash Flows?)
Shows: the fair value of a company as a range, built from its own financial statements, with a sensitivity table for the assumptions and the discount rate the market itself has priced into the current price.
You get: the “expensive or cheap” argument moves onto paper with numbers — and you see exactly what you have to believe to justify today’s price.
Insider Trades (What Do the People Who Know Best Do With Their Own Money?)
Shows: a journal of executives’ trades in their own company’s shares — purchases with personal money separated from scheduled sales and awarded compensation, with a tally for each person.
You get: the headline “insiders sold $748 million” stops being scary: the sales followed a pre-announced plan, and there were no real purchases with their own money at all.
Credit Barometer (Is the Debt Market Tight or Loose — and Which Way?)
Shows: the mood of the debt market on one screen — the risk premium, where that value stands in its own history, the yield spread between long and short government bonds, and a stated rule for “tight / loose / mixed”.
You get: the debt market turns before the news writes about it — here you see whether borrowing is expensive or cheap right now, and which way things are heading.