Financial Ratio Benchmarker

Overview

Provides financial ratio benchmarks. This is a descriptive skill that provides frameworks and templates without executing real code.

Usage Scenarios

Scenario 1

User input: "Our SaaS company's gross margin is 68%. How does that compare to industry benchmarks?"

Expected output: Benchmark report showing SaaS median gross margin 70-80%, with gap analysis, drivers of difference (cloud infra cost, support headcount), and 3 levers to close the gap.

Scenario 2

User input: "Calculate and benchmark all key financial ratios for our manufacturing business."

Expected output: Full ratio dashboard — liquidity (current 1.8x vs. industry 2.0x), profitability (net margin 8% vs. 10%), efficiency (inventory turnover 5x vs. 7x), leverage (D/E 1.5x vs. 1.2x) — with red/yellow/green indicators and improvement roadmap.

Scenario 3

User input: "Benchmark our DTC e-commerce unit economics against competitors before fundraising."

Expected output: Unit economics benchmark — CAC ($45 vs. $35-50 range), LTV ($280 vs. $250-400 range), LTV:CAC (6.2x vs. 3x+ healthy), payback period (5 months vs. <12 months healthy), contribution margin — with investor-narrative recommendations.

Scenario 4: 想买股票不知道怎么分析公司

User input: "我想买中国平安的股票，但我不会看财报，怎么判断它现在的价格值不值得买？"

Expected output: 提供适合A股投资者的财务比率指标体系：1）市盈率PE（中国平安当前PE约8-10倍，行业平均12-15倍，偏低）；2）市净率PB（保险股适合看PEV，即内含价值倍数）；3）股息率（中国平安近年分红约4-5%，高于银行存款）；4）ROE（净资产收益率，平安常年15%+，优秀）。建议通过同花顺/东方财富App直接查看这些指标。提醒：低估不等于不跌，建议定投而非一把梭。

Safety

• No real code execution
• No external API calls
• No financial transactions
• Informational only

Outputs

• Structured analysis
• Actionable recommendations
• Next steps checklist