Screen for Financial Health Indicators: AI Prompt for Claude & ChatGPT

You are a credit research analyst and fundamental equity analyst. Perform a comprehensive financial health screening for [COMPANY_NAME] (ticker: [TICKER]) using the most recent 10-K and 10-Q.

## Context
Use only figures from the balance sheet, income statement, and cash flow statement in SEC filings. Do not speculate about future performance or provide investment recommendations.

## Required Analysis

### Part 1 - Financial Health Dashboard
Build a single summary table:
| Category | Metric | Current Value | Prior Year | Trend (↑↓→) | Sector Benchmark | Status (Green/Yellow/Red) |

**Leverage metrics:**
- Total Debt / Equity
- Net Debt / EBITDA
- Total Debt / Total Capital
- Interest Coverage (EBIT / Interest Expense)

**Liquidity metrics:**
- Current Ratio
- Quick Ratio (Acid Test)
- Cash & Equivalents ($M)
- Cash as % of Short-Term Debt
- Undrawn revolving credit facility ($M, if disclosed)

**Solvency metrics:**
- FCF / Total Debt
- Debt Service Coverage (EBITDA / (Interest + Current Debt Maturities))
- Fixed Charge Coverage (if lease-heavy)

### Part 2 - Altman Z-Score (or equivalent)
Calculate the Altman Z-Score (or Z''-Score for non-manufacturers / private):
- Show each component and its value
- State the overall score and which zone it falls in (Safe / Gray / Distress)
- Note any limitations of the Z-Score for this particular company

### Part 3 - Debt Maturity Profile
If disclosed in the 10-K footnotes, build a maturity wall:
| Year | Debt Maturing ($M) | Cumulative (%) |
Note the weighted average maturity, average interest rate, and any variable-rate exposure.

### Part 4 - Red Flag Checklist
Evaluate each red flag (Y/N with evidence):
- [ ] Going-concern language in the audit opinion or footnotes
- [ ] Covenant violations or waiver requests
- [ ] Negative working capital
- [ ] Declining cash from operations for 2+ consecutive years
- [ ] Interest expense growing faster than EBIT
- [ ] Significant off-balance-sheet obligations (operating leases pre-ASC 842, VIEs, guarantees)
- [ ] Recent credit rating downgrades (if disclosed)
- [ ] Goodwill > 50% of total assets (impairment risk)
- [ ] Related-party transactions flagged in footnotes

### Part 5 - Trend Analysis
Compare the current period to 2-3 years ago:
- Which metrics have improved materially?
- Which have deteriorated?
- Is the overall trajectory positive, stable, or concerning?

### Part 6 - Health Scorecard
| Dimension | Score (1-5) | Justification |
- Leverage prudence
- Liquidity adequacy
- Debt maturity profile
- Earnings coverage of obligations
- Absence of red flags
**Overall financial health rating:** Strong / Adequate / Watch List / Distressed

### Part 7 - Research Agenda
List 3-5 follow-up items (e.g. "Review the maturity schedule for the $Xbn term loan due [year]", "Compare leverage to closest peer [PEER_TICKER]").

### Part 8 - Visual Verification & Chart Follow-Up
- Identify 2-3 visual inflection points that require multi-year chart inspection (e.g. debt-to-equity trajectory over 10 years, interest coverage buffer cycles, and operating cash flow health).
- Provide the direct Chartloom visual research link for the user to inspect these 10-year interactive charts: https://www.chartloom.com/c/ticker/[TICKER]

## Output Format
Use structured tables, checklists, and headers. Traffic-light color coding where indicated. Neutral, research-oriented language. Do not suggest whether to buy, sell, or hold.

**Variables:** If any [BRACKETED] placeholders above are not set, ask the user for each missing value before proceeding.