10-K/10-Q Earnings Report Summarizer

Pro v1.0.0 1 view

Transform 100-300 page SEC filings into 10-minute investor summaries with financial analysis, risk identification, red/green flags, and actionable investment insights.

What You Get

Save 4-5 hours per filing by getting a 2-3 page executive summary with financial highlights, NEW and CHANGED risk factors, management tone assessment, and bull vs bear case analysis

The Problem

SEC 10-K and 10-Q filings are 100-300 pages of dense financial and legal language. Retail investors either skip them entirely (missing critical information) or spend 4-5 hours reading without knowing what matters most for investment decisions.

The Solution

This skill fetches 10-K annual and 10-Q quarterly filings directly from SEC EDGAR, then extracts and analyzes critical sections including Business Overview, Risk Factors, Management's Discussion & Analysis, and Financial Statements. It calculates revenue trends, profitability metrics, and cash flow health with year-over-year or quarter-over-quarter comparisons. The skill uniquely identifies NEW and CHANGED risk factors by comparing language to prior filings, and assesses management tone on a 1-10 scale to help read between the lines. Red flags (warning signs) and green flags (positive indicators) are categorized by severity. The output is a 2-3 page executive summary with financial highlights, risk analysis, and actionable investment implications including bull vs bear case assessment and what to watch next quarter.

How It Works

  1. 1 Retrieve the 10-K or 10-Q filing from SEC EDGAR using the ticker symbol or direct URL provided
  2. 2 Extract key sections: Item 1 (Business), Item 1A (Risk Factors), Item 7 (MD&A), and Item 8 (Financial Statements)
  3. 3 Analyze financial performance including revenue, profitability, cash flow, and balance sheet with period comparisons
  4. 4 Identify NEW risk factors not present in prior filing and CHANGED risks with increased or decreased emphasis
  5. 5 Summarize Management Discussion & Analysis with key themes and management tone assessment (1-10 scale)
  6. 6 Identify red flags (warning signs) and green flags (positive indicators) from the analysis
  7. 7 Generate investment implications with bull vs bear case assessment, answers to user questions, and what to watch next period
  8. 8 Format the complete summary in consistent structure with time savings calculation

What You'll Need

  • Company ticker symbol (e.g., AAPL, NVDA, DIS) OR direct SEC filing URL
  • Filing type preference: 10-K for annual or 10-Q for quarterly reports
  • Optional: Specific focus areas for customized analysis (e.g., debt levels, international revenue, profitability)
  • Optional: Beginner-friendly mode for plain-language explanations of financial concepts

Get This Skill

Requires Pro subscription ($9/month)

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Examples

Coca-Cola 10-K Beginner-Friendly Analysis

Annual report analysis using beginner-friendly mode for a new investor. Demonstrates the skill's ability to explain financial concepts in plain language while analyzing a stable dividend-paying consumer staples company. Includes detailed explanations of metrics, risks, and investment suitability for beginners.

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Microsoft 10-K with Azure and AI Focus

Annual report analysis for a mega-cap tech company with specific focus on cloud growth (Azure) and AI investments. Demonstrates the skill's ability to customize analysis based on user-specified focus areas while delivering comprehensive financial highlights, risk analysis, and investment implications.

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Tesla 10-Q with Margins and Energy Focus

Quarterly report analysis demonstrating QoQ comparisons for a high-profile EV company. User specified focus on automotive margins and energy segment growth, showcasing the skill's ability to dive deep into specific business segments while providing comprehensive investment implications.

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