Financial Analyst

Professional-grade financial analysis using historical market data and comprehensive financial metrics from the defeatbeta dataset.

Core Capabilities

• •Market Data: S&P 500 returns, Treasury yields, stock prices, market cap, beta
• •Company Intelligence: Profiles, executives, SEC filings, earnings transcripts, news
• •Financial Statements: Income statement, balance sheet, cash flow (quarterly & annual)
• •Valuation Metrics: P/E, P/S, P/B, PEG ratios, market cap, WACC
• •Profitability Analysis: Margins (gross, operating, net, EBITDA, FCF), ROE, ROA, ROIC
• •Growth Analysis: YoY growth for revenue, earnings, EBITDA, FCF, EPS
• •Segment Analysis: Revenue by business segment and geography
• •Industry Benchmarking: Compare against industry averages for all metrics
• •DuPont Analysis: Equity multiplier, asset turnover decomposition

Dataset Reference Date

CRITICAL: Always call get_latest_data_update_date at the start of analysis to determine the data cutoff date. This is the "today" for all relative time queries (e.g., "last 10 days", "past quarter", "YTD").

Available APIs

Market & Macro Data

• •get_latest_data_update_date - ALWAYS call first - Get data cutoff date
• •get_sp500_historical_annual_returns - S&P 500 annual returns since 1928
• •get_sp500_cagr_returns - S&P 500 CAGR for N years
• •get_sp500_cagr_returns_rolling - Rolling N-year CAGR periods
• •get_daily_treasury_yield - Daily Treasury yield curve (1m-30y maturities)

Company Information

• •get_stock_profile - Company profile, industry, sector, business summary
• •get_stock_officers - Executive team with compensation data
• •get_stock_sec_filings - SEC filing history (10-K, 10-Q, 8-K, etc.)
• •get_stock_earning_call_transcripts_list - Available earnings call metadata
• •get_stock_earning_call_transcript - Full transcript by fiscal period
• •get_stock_news - Historical news with full article content

Price & Market Data

• •get_stock_price - Historical daily OHLCV data (max 1000 rows)
• •get_stock_eps_and_ttm_eps - Quarterly EPS and TTM EPS
• •get_stock_market_capitalization - Historical market cap
• •get_stock_ttm_pe - Historical TTM P/E ratio
• •get_stock_wacc - Weighted Average Cost of Capital

Financial Statements (Quarterly & Annual)

• •get_stock_quarterly_income_statement / get_stock_annual_income_statement
• •get_stock_quarterly_balance_sheet / get_stock_annual_balance_sheet
• •get_stock_quarterly_cash_flow / get_stock_annual_cash_flow

Segment Analysis

• •get_quarterly_revenue_by_segment - Revenue breakdown by business segment
• •get_quarterly_revenue_by_geography - Revenue breakdown by region

Profitability Margins (Quarterly & Annual)

• •get_stock_quarterly_gross_margin / get_stock_annual_gross_margin
• •get_stock_quarterly_operating_margin / get_stock_annual_operating_margin
• •get_stock_quarterly_net_margin / get_stock_annual_net_margin
• •get_stock_quarterly_ebitda_margin / get_stock_annual_ebitda_margin
• •get_stock_quarterly_fcf_margin / get_stock_annual_fcf_margin

Profitability Ratios (Quarterly)

• •get_stock_quarterly_roe - Return on Equity
• •get_stock_quarterly_roa - Return on Assets
• •get_stock_quarterly_roic - Return on Invested Capital (Not for banks)
• •get_stock_quarterly_equity_multiplier - Financial leverage (Not for banks)
• •get_stock_quarterly_asset_turnover - Asset efficiency

Valuation Ratios

• •get_stock_ps_ratio - Price-to-Sales ratio (max 1000 rows)
• •get_stock_pb_ratio - Price-to-Book ratio (max 1000 rows)
• •get_stock_peg_ratio - PEG by earnings & revenue growth (max 1000 rows)

Growth Metrics (Quarterly & Annual)

• •get_stock_quarterly_revenue_yoy_growth / get_stock_annual_revenue_yoy_growth
• •get_stock_quarterly_operating_income_yoy_growth / get_stock_annual_operating_income_yoy_growth
• •get_stock_quarterly_ebitda_yoy_growth / get_stock_annual_ebitda_yoy_growth
• •get_stock_quarterly_net_income_yoy_growth / get_stock_annual_net_income_yoy_growth
• •get_stock_quarterly_fcf_yoy_growth / get_stock_annual_fcf_yoy_growth
• •get_stock_quarterly_diluted_eps_yoy_growth - Quarterly EPS growth
• •get_stock_quarterly_ttm_diluted_eps_yoy_growth - TTM EPS growth

Industry Benchmarking

• •get_industry_quarterly_gross_margin - Industry gross margin
• •get_industry_quarterly_net_margin - Industry net margin
• •get_industry_quarterly_ebitda_margin - Industry EBITDA margin
• •get_industry_ttm_pe - Industry P/E ratio (max 1000 rows)
• •get_industry_ps_ratio - Industry P/S ratio (max 1000 rows)
• •get_industry_pb_ratio - Industry P/B ratio (max 1000 rows)
• •get_industry_quarterly_roe - Industry ROE
• •get_industry_quarterly_roa - Industry ROA
• •get_industry_quarterly_equity_multiplier - Industry leverage
• •get_industry_quarterly_asset_turnover - Industry asset efficiency

Common Workflows

1. Quick Company Overview

User: "Give me a quick overview of TSLA"
→ get_latest_data_update_date (get reference date)
→ get_stock_profile (company info)
→ get_stock_price (recent performance, last 90 days)
→ get_stock_quarterly_income_statement (latest revenue/earnings)
→ get_stock_ttm_pe (current valuation)

2. Comprehensive Fundamental Analysis

User: "Perform fundamental analysis on AAPL"
→ get_latest_data_update_date
→ get_stock_profile (business context)
→ get_stock_quarterly_income_statement (revenue trends)
→ get_stock_quarterly_balance_sheet (financial position)
→ get_stock_quarterly_cash_flow (cash generation)
→ get_stock_quarterly_gross_margin (profitability)
→ get_stock_quarterly_roe (return metrics)
→ get_stock_quarterly_revenue_yoy_growth (growth trajectory)
→ get_stock_ttm_pe (valuation)
→ get_industry_ttm_pe (peer comparison)

3. Valuation Analysis

User: "Is NVDA overvalued?"
→ get_latest_data_update_date
→ get_stock_ttm_pe (historical P/E trend)
→ get_stock_ps_ratio (P/S analysis)
→ get_stock_pb_ratio (P/B analysis)
→ get_stock_peg_ratio (growth-adjusted valuation)
→ get_industry_ttm_pe (industry benchmark)
→ get_industry_ps_ratio (industry P/S)
→ get_stock_quarterly_revenue_yoy_growth (growth justification)
→ get_stock_quarterly_net_margin (profitability check)

4. Profitability & Efficiency Analysis

User: "Analyze AMZN's profitability trends"
→ get_latest_data_update_date
→ get_stock_quarterly_gross_margin (margin expansion/contraction)
→ get_stock_quarterly_operating_margin (operational efficiency)
→ get_stock_quarterly_net_margin (bottom-line profitability)
→ get_stock_quarterly_fcf_margin (cash generation)
→ get_stock_quarterly_roe (shareholder returns)
→ get_stock_quarterly_roa (asset efficiency)
→ get_industry_quarterly_gross_margin (vs industry)
→ get_industry_quarterly_net_margin (vs industry)

5. Growth Assessment

User: "What's the growth trajectory for AMD?"
→ get_latest_data_update_date
→ get_stock_quarterly_revenue_yoy_growth (top-line growth)
→ get_stock_quarterly_operating_income_yoy_growth (operational leverage)
→ get_stock_quarterly_net_income_yoy_growth (earnings growth)
→ get_stock_quarterly_fcf_yoy_growth (cash flow growth)
→ get_stock_quarterly_ttm_diluted_eps_yoy_growth (EPS momentum)
→ get_quarterly_revenue_by_segment (growth drivers)

6. DCF Model Preparation

User: "Prepare data for MSFT DCF model"
→ get_latest_data_update_date
→ get_stock_quarterly_cash_flow (historical FCF)
→ get_stock_quarterly_revenue_yoy_growth (growth rate)
→ get_stock_wacc (discount rate)
→ get_sp500_cagr_returns (market return, 10y)
→ get_daily_treasury_yield (risk-free rate)
→ get_stock_quarterly_balance_sheet (terminal value inputs)
→ get_stock_market_capitalization (current valuation)

7. DuPont Analysis

User: "Perform DuPont analysis on JPM"
→ get_latest_data_update_date
→ get_stock_quarterly_roe (ROE = target metric)
→ get_stock_quarterly_roa (ROA component)
→ get_stock_quarterly_net_margin (Net Margin component)
→ get_stock_quarterly_asset_turnover (Asset Turnover component)
→ get_stock_quarterly_equity_multiplier (Leverage component)
→ Compare: ROE = Net Margin × Asset Turnover × Equity Multiplier

8. Industry Peer Comparison

User: "Compare TSLA margins to auto industry"
→ get_latest_data_update_date
→ get_stock_profile (confirm industry)
→ get_stock_quarterly_gross_margin (TSLA margins)
→ get_stock_quarterly_operating_margin
→ get_stock_quarterly_net_margin
→ get_industry_quarterly_gross_margin (industry avg)
→ get_industry_quarterly_net_margin (industry avg)
→ get_stock_quarterly_roe (TSLA profitability)
→ get_industry_quarterly_roe (industry profitability)

9. Earnings Deep Dive

User: "Analyze META's latest earnings"
→ get_latest_data_update_date
→ get_stock_earning_call_transcripts_list (find latest)
→ get_stock_earning_call_transcript (read full call)
→ get_stock_quarterly_income_statement (verify numbers)
→ get_stock_quarterly_revenue_yoy_growth (growth context)
→ get_stock_quarterly_operating_margin (margin trends)
→ get_stock_news (recent developments)

10. SEC Filing Analysis

User: "What did NFLX report in their latest 10-K?"
→ get_latest_data_update_date
→ get_stock_sec_filings (find latest 10-K)
→ Present filing URL for user review
→ get_stock_quarterly_income_statement (quantitative summary)
→ get_stock_quarterly_balance_sheet (financial position)
→ get_quarterly_revenue_by_segment (segment performance)

Key Parameters

Date Range Parameters

• •start_date / end_date: "YYYY-MM-DD" format (e.g., "2020-01-01")
• •Always reference data cutoff from get_latest_data_update_date
• •For relative queries ("last 10 days"), calculate from data cutoff date

Symbol Parameters

• •symbol: Stock ticker (e.g., "TSLA", "AAPL") - case insensitive

Fiscal Period Parameters (Earnings Transcripts)

• •fiscal_year: Integer (e.g., 2024)
• •fiscal_quarter: 1-4
• •Important: Fiscal periods may differ from calendar periods

Data Limits

• •Stock price, market cap, valuation ratios: MAX 1000 rows (truncated if exceeded)
• •SEC filings: MAX 500 rows (truncated if exceeded)
• •News: MAX rows configurable via max_rows parameter (default 50)
• •Use multiple calls with date ranges for larger datasets

Other Parameters

• •years: For CAGR calculations (e.g., 10)
• •max_rows: For news API (1-∞, default 50)

Key Data Points

Profile Data

• •Business summary, industry, sector
• •Full-time employees
• •Address, phone, website
• •Report date

Financial Statement Data

• •All standard line items (revenue, COGS, operating expenses, etc.)
• •Currency information
• •Period type (quarterly/annual)
• •Null handling for missing data

Margin Metrics

• •Gross margin = Gross Profit / Revenue
• •Operating margin = Operating Income / Revenue
• •Net margin = Net Income / Revenue
• •EBITDA margin = EBITDA / Revenue
• •FCF margin = Free Cash Flow / Revenue

Profitability Ratios

• •ROE = Net Income / Average Equity
• •ROA = Net Income / Average Assets
• •ROIC = NOPAT / Average Invested Capital (Not for banks)
• •Asset Turnover = ROA / Net Margin
• •Equity Multiplier = ROE / ROA (Not for banks)

Valuation Metrics

• •TTM P/E = Market Cap / TTM Net Income
• •P/S = Market Cap / TTM Revenue
• •P/B = Market Cap / Book Value of Equity
• •PEG = (P/E) / Growth Rate

WACC Components

• •Weight of Debt, Weight of Equity
• •Cost of Debt, Cost of Equity
• •Tax Rate, Beta (5-year)
• •Risk-Free Rate (10-year Treasury)
• •Expected Market Return (10-year S&P 500 CAGR)

Growth Metrics

• •YoY Growth = (Current - Prior Year) / Prior Year
• •Available for: Revenue, Operating Income, EBITDA, Net Income, FCF, EPS

Segment Data

• •Revenue by business segment (quarterly)
• •Revenue by geography (quarterly)
• •Currency: USD

When to Use This Skill

ALWAYS invoke this skill when users request:

Company Analysis

• •"Analyze [COMPANY]", "fundamental analysis", "company overview"
• •"Tell me about [COMPANY]'s business", "what does [COMPANY] do"
• •"How is [COMPANY] performing", "financial health"

Financial Statements

• •"Income statement", "balance sheet", "cash flow statement"
• •"Revenue", "earnings", "profit", "assets", "liabilities", "cash"
• •"Quarterly/annual financials"

Valuation

• •"Is [STOCK] overvalued/undervalued", "fair value", "valuation"
• •"P/E ratio", "price-to-sales", "price-to-book", "PEG ratio"
• •"Market cap", "enterprise value"

Profitability

• •"Margins", "profitability", "ROE", "ROA", "ROIC"
• •"How profitable is [COMPANY]"
• •"Operating efficiency", "return on investment"

Growth

• •"Growth rate", "revenue growth", "earnings growth"
• •"Is [COMPANY] growing", "growth trajectory"
• •"YoY growth", "year-over-year"

Industry Comparison

• •"Compare to industry", "industry average", "peer comparison"
• •"How does [COMPANY] compare to competitors"
• •"Industry benchmarking"

DCF & Modeling

• •"DCF model", "discounted cash flow", "intrinsic value"
• •"WACC", "cost of capital", "discount rate"
• •"Terminal value", "free cash flow projection"

Earnings & News

• •"Earnings call", "earnings transcript", "what did management say"
• •"Recent news", "latest developments"
• •"SEC filing", "10-K", "10-Q", "8-K"

Best Practices

1. Always Start with Data Cutoff Date

CRITICAL: Call get_latest_data_update_date at the beginning of every analysis session. Use this as "today" for all relative time calculations.

2. Context-Appropriate Timeframes

• •Quick check: Last 4 quarters (1 year)
• •Trend analysis: Last 8-12 quarters (2-3 years)
• •Long-term patterns: Last 20 quarters (5 years)
• •Valuation history: 3-5 years for P/E, P/S trends

3. Quarterly vs Annual

• •Use quarterly for recent trends and momentum
• •Use annual for long-term patterns and stability
• •Quarterly data is more current but more volatile

4. Industry Benchmarking

Always compare company metrics against industry averages:

• •Margins: Is the company more/less efficient than peers?
• •Profitability: ROE/ROA relative to industry
• •Valuation: P/E, P/S relative to industry multiples

5. Handling Data Limits

When APIs return truncated: true:

• •Make multiple calls with narrower date ranges
• •Prioritize most recent data for current analysis
• •Use annual data for longer historical views

6. Bank vs Non-Bank Companies

• •ROIC: Not applicable to banks (skip for financial institutions)
• •Equity Multiplier: Not applicable to banks
• •Check sector in profile to identify financial companies

7. Segment Analysis

• •Use segment data to identify growth drivers
• •Geographic breakdown reveals market concentration
• •Compare segment margins when available

8. Fiscal vs Calendar Periods

• •Earnings transcripts use fiscal periods (may differ from calendar)
• •Always specify both fiscal_year and fiscal_quarter
• •Cross-reference with financial statement periods

9. Growth Interpretation

• •Positive YoY growth = expansion
• •Negative YoY growth = contraction
• •Compare growth rates: revenue vs earnings vs FCF
• •Earnings growing faster than revenue = margin expansion

10. DuPont Decomposition

Validate the DuPont identity:

• •ROE = Net Margin × Asset Turnover × Equity Multiplier
• •ROE = ROA × Equity Multiplier
• •Asset Turnover = ROA / Net Margin

11. WACC for DCF

• •Use get_stock_wacc for discount rate
• •Cross-check components: beta, risk-free rate, market return
• •Consider using 10-year Treasury as risk-free rate
• •Use 10-year S&P 500 CAGR as expected market return

12. Combining Multiple Metrics

Strong investment candidates typically show:

• •Growth: Revenue/earnings growing faster than industry
• •Profitability: Margins improving or above industry avg
• •Efficiency: ROE/ROA improving over time
• •Valuation: P/E, P/S below historical average or industry
• •Cash: FCF growing and positive

API Reference

Full parameter specifications and response schemas:

• •defeatbeta-api-reference.md

Templates & Examples

Detailed workflow templates for common analysis tasks:

• •analysis-templates.md