Advanced Financial Analysis
Advanced financial analysis with DuPont, predictive scoring and Big 4-quality AI narrative.
Multi-level DuPont decomposition, Piotroski F-Score, Altman Z-Score, liquidity, leverage and solvency ratios. Understand the complete financial story with AI-generated narratives.
Why surface-level financial analysis is not enough
Basic ratios don't tell the whole story. Professionals need analytical depth.
Analysis limited to basic ratios
Most tools only show standard ratios (current, debt-to-equity, ROE) without decomposing which drivers are moving performance.
No early warning signals
Detecting financial deterioration before it becomes evident in statements requires predictive models like Altman, Piotroski or Beneish.
Cannot explain results to stakeholders
Ratio tables are not enough. Committees, investors and clients need narratives that explain what the numbers mean.
Comprehensive financial analysis with Big 4 depth
From balance sheet reclassification to predictive scoring, all connected with intelligent narratives.
Multi-level DuPont decomposition
ROE decomposed into operating margin, asset turnover and leverage. Penman-Millet model with ROAN, spread and leverage effect.
Balance sheet reclassification
Automatic reclassification from local GAAP to analytical format: net operating assets, adjusted equity and net financial debt.
Margin cascade
Multi-year evolution of gross margin, EBITDA, EBIT and net profit with compression/expansion analysis.
Historical growth analysis
Revenue, EBITDA and asset CAGR with organic vs inorganic growth decomposition.
Liquidity, leverage & solvency ratios
Complete battery: current ratio, quick ratio, acid test, debt-to-equity, NFD/EBITDA, interest coverage, static and dynamic solvency.
Piotroski F-Score
9-signal binary scoring evaluating profitability, capital efficiency and leverage. Buy/sell signal for investors.
Altman Z-Score
Predictive insolvency risk model with safe zone, grey zone and distress zone classification.
Beneish M-Score
Accounting manipulation detection using 8 financial variables. Flags whether financial statements are consistent.
Cash flow ratios
Cash conversion, FCF yield, capex-to-revenue and earnings quality measured from operating cash flow.
Vertical & horizontal analysis
Relative weight of each item over total (vertical) and year-over-year variation rate per line (horizontal).
DCF bridge
EBITDA to Free Cash Flow reconciliation with tax, capex, working capital change and debt adjustments.
SofIA narrative (AI)
Every report section includes professional AI-generated narrative with Big 4 Transaction Services tone.
Penman-Millet financial analysis methodology
Academic-professional framework for financial performance decomposition.
Modified DuPont decomposition
ROE = ROAN + (ROAN - CFO) x NFD/Equity. 5-level decomposition connecting operating margin, asset efficiency, cost of debt and financial leverage.
Predictive scoring (3 models)
Piotroski F-Score (financial health), Altman Z-Score (insolvency risk) and Beneish M-Score (manipulation detection) calculated simultaneously.
Analytical GAAP reclassification
Financial statements automatically reclassified to operating format (NOA, NFD, WC) with integrity checks: NOA = Equity + NFD.
How it works
From financial statements to advanced analysis report in 5 steps.
Import data
Upload financial statements from Excel or import from an existing valuation.
Map accounts
The engine automatically reclassifies GAAP to analytical format with integrity checks.
Run analysis
Calculate DuPont, scorings, liquidity, leverage, solvency and cash flow ratios.
Generate narrative
SofIA writes professional narrative for each report section.
Export report
Download the complete report in PDF or DOCX with all tables, charts and narratives.
Use case: Credit risk assessment
How a risk department evaluated the solvency of a corporate borrower.
Financial institution evaluating the renewal of a €5M credit line for an industrial company with 3 years of financial data.
45-page AFA report generated in 30 minutes with Altman Z-Score in safe zone, Piotroski 7/9 and improving trend in solvency ratios.
Financial analysis report sample
Reports with tables, charts, scorings and professional narrative per section.
Executive summary & scorings
DuPont & margin cascade
Liquidity & solvency ratios
Conclusions & trends
Who is it for?
For professionals who need to go beyond basic ratios.
Analysts & FP&A
Explain performance with multi-level DuPont, not just headline EBITDA. Reports ready to present to management.
Credit risk & lending
Early warning signals via Z-Score, Piotroski and solvency ratios. Quantitative support for credit decisions.
Consultants & auditors
Reclassified statements and independent scoring for financial due diligence and special audits.
iValuate AFA vs manual analysis
Compare depth and speed of iValuate against spreadsheet-based analysis.
| Feature | Traditional approach | iValuate |
|---|---|---|
| Ratios calculated | 5–10 basic | 20+ with multi-level DuPont |
| Predictive scoring | Manual or non-existent | Piotroski + Altman + Beneish |
| Report narrative | Manual writing (hours) | Automatic AI (minutes) |
| Multi-year analysis | Manual Excel tables | Automatic with trends |
| Balance sheet reclassification | Manual and error-prone | Automatic with checks |
| Time per analysis | 1–2 days | < 30 minutes |
Frequently asked questions
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