RATIO CHECKER: START HERE
From Christian Brinkley (christianbuildswealth)

What it is
A small Python tool that reads a company's income statement and balance sheet
and shows you ten standard ratios, in plain English. It flags things like
shrinking margins, tighter cash, and numbers that do not add up. It runs on
your own computer. Nothing is uploaded anywhere.

What you need
Python 3 (free, python.org). No installs, no extra packages.

Run it in 3 steps
1. Unzip this folder.
2. Open a terminal inside it.
   Windows: open the folder, click the address bar, type cmd, press Enter.
   Mac: right-click the folder, choose New Terminal at Folder.
3. Type this and press Enter:
      Windows:  python analyzer.py
      Mac:      python3 analyzer.py

You will see a report for a made-up company called Blue Ridge Manufacturing.
That is your example of what a finished report looks like.

Use your own numbers
1. Open data/income_statement.csv and data/balance_sheet.csv in Excel.
2. Replace the sample numbers with a real company's, one row per year.
   Keep the column names in the top row exactly as they are.
   Public companies publish these in their annual reports (10-K).
3. Save both files as CSV, then run the command above again.

Save the report
   python analyzer.py --out report.html     (a formatted web page)
   python analyzer.py --out ratios.csv      (just the ratio table)

Good to know
- It checks your data first. If the balance sheet does not balance, it tells you.
- A ratio is a clue, not a verdict. Always check the real financial statements.
- This is a learning tool. It is general education, not investment, tax or
  legal advice, and it does not recommend any security.

Questions? christianbrinkleync.com
