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Prompt Gemini to Analyze a Financial Balance Sheet

Analyzing a financial balance sheet is a complex exercise that requires a deep understanding of accounting items, financial ratios, and the economic dynamics of a company. Gemini, with its advanced reasoning and structured data processing capabilities, becomes a valuable assistant for deciphering the information contained in a balance sheet. Whether you are a business leader assessing your company's financial health, an investor analyzing an opportunity, or an accounting student seeking to deepen your understanding, Gemini can turn columns of numbers into actionable insights. The AI excels particularly in identifying trends, automatically calculating key ratios, and putting data into perspective relative to industry standards. By formulating a precise and structured prompt, you will obtain a rigorous analysis covering solvency, liquidity, profitability, and capital structure, all in seconds.

The prompt

Gemini

Act as a senior financial analyst with 15 years of experience in auditing and analyzing financial balance sheets. I will provide you with the data from a financial balance sheet. Perform a complete and structured analysis following this plan:

  1. Overview: Summarize the overall financial situation of the company in 3-4 sentences.

  2. Balance Sheet Structure Analysis:

    • Breakdown of fixed assets vs. current assets
    • Structure of equity vs. debt
    • Evolution of working capital, working capital requirement, and net cash

  3. Key Financial Ratios (calculate and interpret each):

    • Liquidity ratios (current, quick, cash)
    • Solvency ratios (financial autonomy, debt)
    • Profitability ratios (ROE, ROA)
    • Fixed asset coverage ratio

  4. Points of Attention: Identify 3 to 5 warning signals or risk areas.

  5. Strengths: Identify 3 to 5 financial strengths of the company.

  6. Recommendations: Propose 3 to 5 concrete actions to improve the financial situation.

Present the ratios in a comparative table with industry norms where relevant. Use a professional yet accessible tone. Here are the balance sheet data:

[PASTE BALANCE SHEET DATA HERE]

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Why it works

This prompt is effective because it assigns a precise expert role to Gemini, which guides the quality and depth of the analysis. The structure in six numbered sections forces an exhaustive and organized response, covering all critical aspects of a balance sheet analysis. The explicit request for ratio calculation with interpretation and industry comparison fully leverages Gemini's quantitative reasoning capabilities.

Expected result

You will obtain a complete and structured financial analysis report, including an overall diagnosis, calculated and interpreted ratio tables, and a list of strengths, risks, and actionable recommendations. The result will be comparable to a summary note produced by an audit firm, presented clearly and professionally, directly usable for decision-making or presentation to a management committee.

Variants by level

FAQ

In what format should I provide the balance sheet data to Gemini?
Gemini can process data in several formats. The most effective way is to copy and paste a structured table with items in rows and amounts in columns (year N and N-1 if available). You can also directly import a PDF file or an image of the balance sheet into Gemini, which will be able to extract the data thanks to its multimodal capabilities. For best results, ensure the data is legible and includes the names of accounting items, amounts in euros, and the relevant fiscal year.
Can Gemini compare my balance sheet with industry norms?
Yes, Gemini has knowledge of average ratios by industry sector and can contextualize your analysis. To get a relevant comparison, specify the company's industry sector, size (micro-enterprise, SME, mid-cap, large corporation), and country in your prompt. Gemini will rely on known sector benchmarks to assess whether your ratios are above or below norms. However, keep in mind that these norms are indicative and may vary by source.
Are the results of the financial analysis by Gemini reliable for making decisions?
Gemini provides a professional-quality analysis that serves as an excellent starting point, but it does not replace the expertise of a certified accountant or financial analyst. Ratio calculations are reliable if the provided data is accurate and complete. However, contextual interpretation (economic conditions, regulatory specifics, exceptional events) may require human judgment. Use Gemini's analysis as a decision-support and pre-diagnosis tool, then validate critical conclusions with a professional before making any major strategic decisions.

How to use this prompt

  1. Copy the prompt with the button above.
  2. Paste it into ChatGPT, Claude or your favorite AI assistant.
  3. Replace the bracketed variables with your details, then refine the result.

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