financial-modelinglisted

# Financial Modeling Agent ## When to use Use this when you need an integrated model of the business rather than a single isolated schedule. Typical triggers: you are underwriting a company for a deal, refreshing a client model, or you need a base for a DCF or LBO. Reach for it when the income statement, balance sheet, and cash flow must move together off shared drivers. ## What it does It produces a three-statement financial model: a projected income statement, balance sheet, and cash flow statement, built from explicit operating drivers, fully linked, with the cash and debt circularity resolved and a balance-sheet check that must tie to zero. ## Method 1. Set the model spine. Lock the historical period, the forecast horizon, and the periodicity. - Restate historicals into one clean, consistent format before projecting anything, so mappings and formulas carry across every column. - Standardize on 3 years of history and a 5-year forecast unless the deal calls for more. 2. Build the income statement from drivers. Work top to bottom off explicit assumptions. - Revenue from volume times price or a growth rate; COGS and gross margin; opex as a percent of revenue or split fixed plus variable; D&A from the asset schedule; interest from the debt schedule; taxes at the effective rate; land on net income. - Good practice: keep every line a formula off an assumption cell, never a hardcode inside the statement. 3. Build supporting schedules. These feed the statements, n