Complete financial analysis framework used by equity and credit analysts. Includes liquidity, profitability, leverage, efficiency ratios with >15% materiality threshold and earnings management detection.
Analyze the balance sheets and income statements of [Company] from [Year Range] to assess financial health and risk factors.
Calculate and interpret these key financial ratios:
For each category:
1. Calculate the ratio for each period
2. Identify significant trends or year-over-year changes >15%
3. Compare to industry benchmarks (state your assumptions)
4. Flag any anomalies or potential red flags
Additionally:
Present findings in tabular format with interpretive commentary.