AI-Powered Financial Deep Dive

Financial Reports Intelligence

Complete income statement, balance sheet & cash flow analysis with AI scoring, institutional valuation metrics and 10-year historical evolution — for any public company

50+
Financial Metrics
10 yrs
Historical Data
4
Company Types
0–100
AI Score
Complete Analytics Engine

9 Modules, 1 Complete Financial Picture

Every dimension of a company's financial health — from raw statements to institutional-grade scoring

Income Statement

Auto-structured

Complete P&L with Revenue, COGS, Gross Profit, R&D, SG&A, EBIT, EBT and EPS. Auto-adapts to Standard, Bank, Insurance & REIT formats with sector-specific line items.

Balance Sheet

4 Structures

Full assets, liabilities & equity breakdown. Banks include Deposits, Loans & Trading Assets. Insurance adds Reserves & Separate Accounts. REITs show Real Estate Investments & FFO.

Cash Flow Statement

3 Sections

Operating, Investing & Financing activities with sector-specific adjustments. Calculates Free Cash Flow (OCF − Capex) and highlights non-cash items.

Financial Ratios

17 Ratios

4 categories: Profitability (Gross/Operating/Net Margin, ROE, ROA), Liquidity (Current/Quick), Leverage (D/E, Interest Coverage), Efficiency (Asset Turnover, Inventory Turnover).

Advanced Valuation

9 Multiples

Market Cap, Enterprise Value, P/E with classification, P/B, P/S, EV/EBITDA, EV/Revenue, PEG Ratio, Dividend Yield + toggle between live price and historical price at earnings release.

AI Recommendation

0–100 Score

6-dimension scoring: Profitability, Financial Health, Liquidity, Leverage, Growth & Valuation. Generates STRONG BUY / BUY / HOLD / SELL with Key Strengths, Concerns & Investment Horizon.

Quality of Earnings

4 Dimensions

Accruals Ratio (cash-backed earnings), Cash Conversion (OCF vs Net Income), Earnings Persistence (CV over 10 years) & Revenue Quality (growth consistency).

Year-over-Year Comparison

Instant Delta

Side-by-side comparison of Revenue, Net Income, Operating Margin, ROE, Free Cash Flow & Debt-to-Equity vs prior year with % change indicators and color-coded performance signals.

10-Year Evolution Charts

4 Highcharts

Revenue & Net Income trends, Profitability Metrics (ROE + Operating Margin), Free Cash Flow Area chart with negative zones, Debt-to-Equity spline with risk bands.

AI Recommendation Interpretation

75–100
STRONG BUY
Exceptional fundamentals across all dimensions
60–74
BUY
Solid financial profile with upside potential
40–59
HOLD
Mixed signals — monitor closely
0–39
SELL
Weak fundamentals — elevated risk
Live Demo

See Financial Deep Dive in Action

Microsoft Corporation (MSFT) — FY2024 Complete Analysis

financial-deep-dive — Microsoft Corporation (MSFT) — AlphaVault AI
Microsoft Logo
Microsoft Corporation
MSFT Deep Dive Analysis 10 Years Data
Fiscal Year
FY 2024
Total Revenue
$245.1B
+15.7% YoY
Net Income
$88.1B
+21.8% YoY
Operating Margin
44.6%
+2.9pts YoY
Free Cash Flow
$74.1B
+25.4% YoY
Market Cap
$3.31T
Live Price
Standard Income Statement — FY2024
Line Item Amount % Rev
Revenue
Total Revenue $245.1B 100.0%
Cost of Revenue
Cost of Revenue $63.4B 25.9%
Gross Profit $181.7B 74.1%
Operating Expenses
Research & Development $29.5B 12.0%
Selling, General & Admin $29.5B 12.0%
Operating Income $109.4B 44.6%
Net Income $88.1B 35.9%
Diluted EPS $11.80 —
Valuation Metrics
P/E Ratio
35.8x
Premium
EV/EBITDA
27.4x
High Multiple
P/B Ratio
12.9x
Asset-Light
FCF Yield
2.24%
Cash Rich
Key Financial Ratios
ROE
37.9%
Gross Margin
74.1%
Current Ratio
1.27x
Asset Turnover
0.54x
AI-Powered Recommendation
STRONG BUY
Confidence: Very High
Risk: Low-Medium
Horizon: Long-term (3–5 yr)
Overall Score
87
/ 100
Profitability
19
/ 20
Fin. Health
18
/ 20
Liquidity
8
/ 10
Leverage
13
/ 15
Growth
14
/ 15
Valuation
15
/ 20
Key Strengths
  • World-class operating margins (44.6%)
  • $74B+ annual free cash flow generation
  • Azure cloud growing at 29% annually
  • AI integration across all product lines
Key Concerns
  • Premium valuation (P/E ~36x)
  • Increasing regulatory scrutiny (EU)
  • OpenAI partnership concentration risk
Quality of Earnings
Accruals Ratio
91 High
Cash Conversion
84 High
Persistence
88 High
Rev. Quality
79 Good
Graham Number
$89.42
Intrinsic Value
4.71x
⚠ Growth Premium
WACC Analysis
Cost of Equity
8.4%
Cost of Debt
3.2%
WACC
7.8%
Piotroski F-Score
8 / 9
✅ Strong Financial Position
Altman Z-Score
6.2
🏆 Safe Zone (> 2.99)

Works with any US-listed public company (SEC EDGAR)

Smart Auto-Detection

One Platform, All Company Types

The engine auto-detects the company type from XBRL tags and applies the correct financial structure

Standard Company

Traditional P&L structure with Revenue → COGS → Gross Profit → EBIT → Net Income. Supports manufacturing, tech, retail, and all non-financial companies.

Apple
Amazon
Tesla
COGS & Gross Margin R&D & SG&A breakdown Inventory & Receivables

Investment / Commercial Bank

Full banking P&L with Interest Income, Non-Interest Income, Trading Revenue, Asset Management Fees, Provision for Credit Losses & NIM calculation.

JPMorgan
Goldman Sachs
Morgan Stanley
Net Interest Income Trading & Advisory Fees Credit Loss Provisions

Insurance Company

Insurance-specific structure with Premiums Earned, Policyholder Benefits, DAC amortization, Reinsurance Recoverables & Separate Account Assets/Liabilities.

MetLife
AIG
Prudential
Premiums & Claims Policy Reserves Separate Accounts

Real Estate Investment Trust

REIT-specific P&L with Rental Income, Real Estate Operating Expenses, Depreciation, FFO calculation, and Partnership/Operating Unit equity structure.

Prologis
Simon Property
Welltower
Rental Income FFO & AFFO Real Estate Book Value
How It Works

Institutional Analysis in 3 Simple Steps

From ticker symbol to complete financial deep dive in under 30 seconds

1

Enter a Ticker Symbol

Type any US-listed company ticker (e.g., MSFT, AAPL, JPM, BRK.B). The engine fetches 10 years of SEC EDGAR XBRL filings automatically, detects the company type and maps all financial line items to the correct structure.

2

Select Year & Explore

Choose any fiscal year from the selector. Navigate through 9 analytics tabs: Income Statement, Balance Sheet, Cash Flow, Ratios, Advanced Metrics, Quality of Earnings, YoY Comparison, Evolution Charts and more.

3

Get AI-Powered Insights

Receive a 0–100 AI score with STRONG BUY / BUY / HOLD / SELL recommendation, institutional valuation multiples, Graham Number, WACC, Altman Z-Score, Piotroski F-Score and a complete investment thesis.

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