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Trend Detection Engine
About this Tool
Purpose: An advanced analytical engine designed to detect cyclical and structural trends in multi-year financial data. It automatically flags margin pressures, liquidity shifts, and growth patterns essential for risk grading.
Senior Risk Officers Credit Managers Credit Trainees
Financial Data Input
| Line Item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Net Sales | |||
| Cost of Sales | |||
| Operating Expenses | |||
| Net Profit | |||
| Paid-up Capital | |||
| Reserves | |||
| Current Assets | |||
| Current Liabilities |
Note: All values are in Millions/Lacs as per your currency unit preference.
Automated Trend Inferences
Read Trend Analysis Theory Warning: Cost of Sales grew by 33.3%, outpacing Sales growth of 25.0%. Gross margins are under pressure.
Concern: Net Profit margin dropped from 19.2% to 16.7%.
Healthy Liquidity: Current Ratio is strong at 2.20.
Growth: Tangible Net Worth increased by 15.8% due to retained earnings or capital infusion.
Efficiency Note: Asset turnover improved to 0.94. Better asset utilization detected.
Quick Tip
Positive trends show growth and efficiency. Watch out for red flags where costs grow faster than sales (indicated in warnings).