Please enable JavaScript to continue using this application.

Summarize a 10-K Filing Fast: AI Prompt for Claude & ChatGPT

Copy this Claude prompt to summarize a 10-K for stock research: business mix, KPIs, risks, and capital allocation. Works with Claude, ChatGPT, Gemini, and Grok.

This 10-K prompt for stock analysis extracts business mix, KPIs, MD&A, risks, and capital allocation. Paste filing text into Claude, ChatGPT, Gemini, or Grok rather than asking the model to recall figures from memory.

Recommended tools

ChatGPT

Claude

Gemini

Grok

The Summarize a 10-K Filing Fast prompt (Claude, ChatGPT, Gemini, Grok)

Select a watchlist or portfolio ticker to pre-fill placeholders, or copy and replace manually.

You are a senior equity research analyst trained to extract maximum signal from 10-K filings in minimal time. Produce a structured rapid summary of the most recent 10-K for [COMPANY_NAME] (ticker: [TICKER]).

## Context
If [FILING_TEXT] is provided, treat it as the primary source. Do not invent figures; if a data point is not present in the filing, mark it as "Not disclosed". Do not provide investment recommendations.

## Required Analysis

### Part 1 - The Business in 60 Seconds
- One-paragraph plain-English description (max 80 words)
- Top 3 revenue segments and their % of total
- Top 3 geographies and their % of total
- Top customer concentration (if disclosed)

### Part 2 - The Numbers That Matter
| Metric | FY-1 | FY (Latest) | YoY |
- Revenue
- Gross profit & margin
- Operating income & margin
- Net income
- Diluted EPS
- Operating cash flow
- Free cash flow
- Cash & equivalents
- Total debt
- Shares outstanding (diluted)

### Part 3 - The Story Management Is Telling
3 bullets summarising the MD&A narrative:
- What grew, what shrank, what changed in mix
- What management attributes performance to
- Forward-looking statements management makes

### Part 4 - The Top 5 Risk Factors That Actually Matter
From the Risk Factors section, extract and re-rank the 5 most material risks (skip generic boilerplate):
| Rank | Risk | Why It Matters | New This Year? |

### Part 5 - Capital Allocation Snapshot
Trailing 12 months:
- CapEx ($M) and as % of revenue
- Acquisitions ($M)
- Share repurchases ($M)
- Dividends paid ($M)
- Net debt issuance / repayment ($M)
Stack-rank in order of dollars deployed.

### Part 6 - Footnote Hot Spots
Flag any of the following if disclosed:
- Material accounting policy changes
- Significant deferred revenue movements
- Goodwill or intangible impairment risk
- Pending litigation with possible material impact
- Off-balance-sheet commitments
- Executive compensation tied to specific metrics

### Part 7 - Three-Question Research Agenda
List the 3 questions a researcher should answer next based on what was (or was not) disclosed.

### Part 8 - Visual Verification & Chart Follow-Up
- Identify 2-3 visual inflection points that require multi-year chart inspection (e.g. 10-year revenue segment breakdown, operating margin expansion/contraction, and balance sheet debt trends).
- 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
Tables, headers, and bullets only. No prose paragraphs longer than 3 sentences. 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.

Variables

Replace these placeholders in the prompt with your own values.

Placeholder	Description	Example
[COMPANY_NAME]	Company name as it appears in the 10-K.	Costco Wholesale
[TICKER]	Stock ticker symbol.	COST
[FILING_TEXT]	Optional but strongly recommended: paste the MD&A, segment, and risk-factors sections from the 10-K for higher accuracy.	Paste 10-K sections here (optional)

How to use this prompt

Replace [COMPANY_NAME] and [TICKER]. For dramatically better results, paste the MD&A, segment data, and risk factors sections from the 10-K into [FILING_TEXT]. Use the structured output to triage the filing in 10 minutes; deeper sections (FCF, MD&A, capital allocation) have dedicated prompts for follow-up.

Tips

Always paste the actual 10-K text where possible - AI summaries from memory often miss the most recent quarter or segment changes.
Pay close attention to the "New This Year?" column on risk factors - newly added risks are usually more material than recycled ones.
Treat this as a triage tool: if multiple red flags appear, escalate to the earnings-quality and capital-allocation prompts.
Run quarterly using the 10-Q variant by replacing references to "10-K" with "10-Q" in the prompt.
The footnote section is where most surprises live - never skip it.

When to use this prompt

Triaging a new name before deciding whether to do a full deep dive

Refreshing an existing thesis after a fresh annual filing drops

Comparing the disclosure quality of multiple companies in a sector

Onboarding to an unfamiliar industry by reading 5-10 10-Ks back-to-back

Updated 2026-05-12

These prompts are research tools, not financial advice. Outputs should be independently verified. They are not a recommendation to buy, sell, or hold any security. See our disclaimer for more information.

Back to all prompts