The prescan is free and runs entirely in your browser: it recognizes your line items and computes every ratio the figures allow, with no account and no upload. The AI analysis is the metered part — a worst-case amount is reserved before the run and only what the run actually uses is charged.

What can I paste into it?

An income statement, a balance sheet, a cash flow statement, or all three, as labeled lines such as 'Revenue: 412,800', as CSV rows, or as a multi-period table with the newest period first. Any currency and any scale; negatives written as (6,400) or ($1.2B) and suffixes such as 4.2M all parse. You can also drop .csv, .tsv or .txt files onto the box.

Is this investment advice?

No. It is analysis of the figures as pasted. Every number cited must come from your paste or be arithmetic on it, benchmark ranges are stated as typical ranges rather than looked-up data, and the app never presents its reading as a recommendation to buy, sell or lend.

What happens to an analysis after the run?

Analyses are saved to your SkillSafe account when you are signed in and mirrored on the device, so a run made on one machine is there when you open the app signed in on another. You can restore any past analysis back into the form, and compare any two to see the posture change, which ratios moved and which findings were resolved, added or persisted.

Ratio Lens — financial statement analysis

The statements

Or pick files: they are read locally, nothing uploads until you run.

Whose decision is this for?

Analysis emphasis

Context — industry, scale, one-offs, the decision at hand

The analysis

Executive summary

Assumptions & open questions

Ratio table

Category	Metric	Value	Reading

Findings

Each finding names the metric, what the figures show, what it means for the decision and what to check next — with the arithmetic shown where it helps.

Prescan coverage

Prescan flag	Why it matters	Addressed	The analysis says

What to check next

Follow-up request list Open in email

Every follow-up the analysis produced, assembled into the list you send to the borrower, the target or your own team. Tick what you have already collected — the ticks stay on this device.

Focus areas

Area	Why	Related findings

Summary

Result

How it works

Nothing to hand? Load the — two periods of declining revenue, a current ratio below 1, interest coverage under 2x and positive earnings against negative operating cash flow — or the , where the correct posture is sound and the useful output is what to monitor next.

Paste the figures — the prescan is free

No upload, no AI: the prescan recognizes your line items (revenue, margins, assets, liabilities, equity, debt, cash flow) across labeled lines, CSV rows and multi-period tables, and computes every ratio the figures allow — margins, ROE, ROA, current/quick/cash ratios, debt-to-equity, interest coverage, turnover, P/E — right in your browser. Deterministic flags fire on negative equity, a current ratio below 1, coverage under 2x, leverage above 2x, a balance-sheet identity that does not hold, declining revenue and positive earnings with negative operating cash flow. Each flag explains why it matters. This part costs nothing and happens while you type.

The AI reads them — this is the metered part

A senior analyst's pass: a financial-health posture with the single most important number named, the ratio table with a one-sentence reading of each value in this company's context, and prioritized findings across profitability, liquidity, leverage, efficiency, earnings quality and valuation — each with what the figures show, what it means for your decision, what to check next, and the arithmetic written out. Every prescan flag is confirmed or explicitly set aside, and every number cited must come from your paste. Pricing is honest: a worst-case amount is reserved before the run and only what the run actually uses is charged — the meter next to the button shows both.

Check, export, re-run

The follow-up request list assembles every check, fix and open question into one numbered list you can copy or email. Focus areas link to the findings behind them. Export the findings and the ratio table as CSV, the whole analysis as Markdown or JSON, or a short decision memo. Analyses are saved to your SkillSafe account when you are signed in — and mirrored on this device — so a run from your laptop is there when you open the app on another machine. Compare any two: fix a mislabeled line, re-run, and the diff shows the posture change, which ratios moved and which findings were resolved, added or persisted. Analysis of the figures as pasted — not investment advice.

Derived from the @anthropics/analyzing-financial-statements skill (MIT license).