finance-calculator-pro 1.0.5 → 1.1.0

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Files changed (6) hide show
  1. package/README.md +319 -260
  2. package/dist/index.d.mts +442 -8
  3. package/dist/index.d.ts +442 -8
  4. package/dist/index.js +418 -38
  5. package/dist/index.mjs +403 -38
  6. package/package.json +46 -8
package/README.md CHANGED
@@ -1,348 +1,407 @@
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  # finance-calculator-pro
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  [![NPM Version](https://img.shields.io/npm/v/finance-calculator-pro.svg)](https://www.npmjs.com/package/finance-calculator-pro)
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- 📖 **[View the Official Documentation](https://boffincoders.github.io/finance-calculator/)**
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+ [![NPM Downloads](https://img.shields.io/npm/dm/finance-calculator-pro.svg)](https://www.npmjs.com/package/finance-calculator-pro)
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+ [![TypeScript](https://img.shields.io/badge/TypeScript-ready-blue.svg)](https://www.typescriptlang.org/)
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+ [![Zero Dependencies](https://img.shields.io/badge/dependencies-zero-brightgreen.svg)](https://www.npmjs.com/package/finance-calculator-pro?activeTab=dependencies)
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+ [![License: MIT](https://img.shields.io/badge/License-MIT-yellow.svg)](https://opensource.org/licenses/MIT)
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+
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+ 📖 **[View the Official Documentation & Live Playground →](https://boffincoders.github.io/finance-calculator/)**
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  ![finance-calculator-pro banner](https://raw.githubusercontent.com/boffincoders/finance-calculator/refs/heads/master/.github/assets/finance-calculator-pro.png)
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- A highly modular, fully independent fundamental financial calculation engine. Whether you're building a stock screener or tracking your portfolio, this library calculates the metrics tracking a company's valuation, profitability, liquidity, efficiency, and risk flawlessly.
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+ > **Zero-dependency financial analysis engine for JavaScript and TypeScript.**
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+ > Calculate 30+ fundamental analysis metrics — valuation ratios, profitability metrics, liquidity ratios, solvency indicators, efficiency metrics, earnings quality signals, and bankruptcy risk scores — from raw financial data. No API calls. No heavy dependencies. Works in Node.js, browsers, and edge runtimes.
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+
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+ ---
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+
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+ ## What is finance-calculator-pro?
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10
- It accepts raw numeric data—no dependency on heavy financial APIs. It pairs amazingly well with normalized data structures (like those from `yahoo-finance2`), or simply your own math.
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+ `finance-calculator-pro` is a modular financial metrics library that transforms raw company fundamentals (income statement, balance sheet, cash flow data) into structured analysis — complete with computed values, signal ratings (`Good` / `Bad` / `Neutral`), and human-readable insights.
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+
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+ Built for:
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+ - 📊 **Stock screener** and equity research tools
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+ - 💼 **Portfolio analysis** dashboards
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+ - 🏦 **FinTech applications** and investment platforms
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+ - 🔍 **Fundamental analysis** pipelines (pairs naturally with [`yahoo-finance2`](https://www.npmjs.com/package/yahoo-finance2))
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+ - 🎓 **Financial education** tools and calculators
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+
29
+ ---
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  ## Installation
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32
 
14
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  ```bash
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34
  npm install finance-calculator-pro
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+ # or
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+ yarn add finance-calculator-pro
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+ # or
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+ pnpm add finance-calculator-pro
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39
  ```
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+ Works with **Node.js ≥ 16**. Ships as **CJS + ESM + TypeScript type declarations**. Zero runtime dependencies.
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+
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43
  ---
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44
 
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45
  ## 🏢 Enterprise Support & FinTech Development
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46
 
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- **finance-calculator-pro** is engineered and maintained by **Boffin Coders**, a premier software development agency specializing in FinTech, custom dashboards, and enterprise-grade software solutions.
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+ **finance-calculator-pro** is engineered and maintained by **[Boffin Coders](https://boffincoders.com)**, a software development agency specialising in FinTech, financial dashboards, and enterprise-grade data platforms.
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24
- Are you building a stock screener, a neo-bank, or an internal financial tool? We can help you accelerate development.
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- 👉 **[Let's talk about your next project!](https://boffincoders.com)**
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+ Building a stock screener, neo-bank, or internal financial analysis tool? [Let's talk →](https://boffincoders.com)
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51
  ---
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52
 
29
- ## Complete List of Available Metrics
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-
31
- The engine can calculate the following metrics natively from basic fundamental variables:
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-
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- ### 🏦 Valuation
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- - **Price-to-Earnings (P/E)**: `price / eps`
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- - **Price-to-Book (P/B)**: `price / bookValuePerShare`
36
- - **Price-to-Sales (P/S)**: `price / revenuePerShare`
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- - **Price/Earnings-to-Growth (PEG)**: `pe / expectedEarningsGrowthRate`
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- - **Enterprise Multiple (EV/EBITDA)**: `enterpriseValue / ebitda`
39
- - **Dividend Yield**: `annualDividendPerShare / price`
40
- - **Discounted Cash Flow (DCF)**: Calculates Enterprise Present Value from terminal rates and sequential FCFs.
41
- - **Graham Number**: `sqrt(22.5 * eps * bookValuePerShare)`
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-
43
- ### 📈 Profitability
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- - **Return on Assets (ROA)**: `netIncome / totalAssets`
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- - **Return on Equity (ROE)**: `netIncome / totalEquity`
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- - **Return on Invested Capital (ROIC)**: `nopat / investedCapital`
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- - **Gross Margin**: `grossProfit / revenue`
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- - **Operating Margin**: `operatingIncome / revenue`
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- - **Net Profit Margin**: `netIncome / revenue`
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- - **Free Cash Flow Margin**: `fcf / revenue`
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-
52
- ### 💧 Liquidity & Solvency
53
- - **Current Ratio**: `totalAssets / totalLiabilities` (Using broader snapshot)
54
- - **Quick Ratio**: `(totalAssets - inventory) / totalLiabilities`
55
- - **Debt-to-Equity**: `totalDebt / totalEquity`
56
- - **Interest Coverage**: `ebit / interestExpense`
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-
58
- ### ⚙️ Efficiency
59
- - **Asset Turnover**: `revenue / totalAssets`
60
- - **Inventory Turnover**: `costOfRevenue / inventory`
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-
62
- ### ⚠️ Risk & Insights
63
- - **Altman Z-Score**: Fundamental bankruptcy risk predictor combining 5 variables.
64
- - **Sharpe Ratio**: ROI vs Risk-free rate adjusted for standard deviation.
65
- - **Target Upside**: `%` potential from current `price` to `analystTargetPrice`.
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-
67
- ### 📊 Growth (Timeseries)
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- - **YoY / QoQ Growth Rates**: Automatically tracks sequential growth of Revenue, Net Income, EPS, and Cash Flows.
69
- - **CAGR**: Compound Annual Growth Rate over multi-period arrays.
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+ ## Metrics Reference — 30+ Fundamental Analysis Metrics
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+
55
+ ### Valuation Ratios
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+ | Metric | Function | Formula |
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+ |---|---|---|
58
+ | Price-to-Earnings (P/E) | `pe()` | `Price / EPS` |
59
+ | Price-to-Book (P/B) | `pb()` | `Price / Book Value Per Share` |
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+ | Price-to-Sales (P/S) | `ps()` | `Price / Revenue Per Share` |
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+ | Price/Earnings-to-Growth (PEG) | `peg()` | `P/E / Earnings Growth Rate` |
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+ | EV/EBITDA (Enterprise Multiple) | `evEbitda()` | `Enterprise Value / EBITDA` |
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+ | EV / Revenue | `evRevenue()` | `Enterprise Value / Revenue` |
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+ | EV / Free Cash Flow | `evFcf()` | `Enterprise Value / FCF` |
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+ | Price-to-Cash-Flow (P/CF) | `priceToCashFlow()` | `Market Cap / Operating Cash Flow` |
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+ | Earnings Yield | `earningsYield()` | `EPS / Price` |
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+ | Dividend Yield | `dividendYield()` | `Annual Dividend / Price` |
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+ | Discounted Cash Flow (DCF) | `calculateDCF()` | Terminal value + discounted FCF streams |
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+ | Graham Number | `grahamNumber()` | `√(22.5 × EPS × Book Value)` |
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+
71
+ ### Profitability Metrics
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+ | Metric | Function | Formula |
73
+ |---|---|---|
74
+ | Return on Assets (ROA) | `roa()` | `Net Income / Total Assets` |
75
+ | Return on Equity (ROE) | `roe()` | `Net Income / Total Equity` |
76
+ | Return on Invested Capital (ROIC) | `roic()` | `NOPAT / Invested Capital` |
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+ | Gross Margin | `grossMargin()` | `Gross Profit / Revenue` |
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+ | Operating Margin | `operatingMargin()` | `Operating Income / Revenue` |
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+ | Net Profit Margin | `netProfitMargin()` | `Net Income / Revenue` |
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+ | Free Cash Flow Margin | `fcfMargin()` | `FCF / Revenue` |
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+
82
+ ### Liquidity Ratios
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+ | Metric | Function | Formula |
84
+ |---|---|---|
85
+ | Current Ratio | `currentRatio()` | `Current Assets / Current Liabilities` |
86
+ | Quick Ratio (Acid-Test) | `quickRatio()` | `(Current Assets − Inventory) / Current Liabilities` |
87
+ | Debt-to-Equity | `debtToEquity()` | `Total Debt / Total Equity` |
88
+ | Interest Coverage Ratio | `interestCoverage()` | `EBIT / Interest Expense` |
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+
90
+ ### Solvency & Leverage Metrics
91
+ | Metric | Function | Formula |
92
+ |---|---|---|
93
+ | Net Debt | `netDebt()` | `Total Debt − Cash & Equivalents` |
94
+ | Net Debt / EBITDA | `netDebtToEbitda()` | `(Debt − Cash) / EBITDA` |
95
+ | Debt-to-Assets | `debtToAssets()` | `Total Debt / Total Assets` |
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+
97
+ ### Efficiency Metrics
98
+ | Metric | Function | Formula |
99
+ |---|---|---|
100
+ | Asset Turnover | `assetTurnover()` | `Revenue / Average Assets` |
101
+ | Inventory Turnover | `inventoryTurnover()` | `COGS / Average Inventory` |
102
+ | Receivables Turnover | `receivablesTurnover()` | `Revenue / Trade Receivables` |
103
+ | Days Sales Outstanding (DSO) | `daysSalesOutstanding()` | `365 / Receivables Turnover` |
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+
105
+ ### Earnings Quality Metrics
106
+ | Metric | Function | Formula |
107
+ |---|---|---|
108
+ | Payout Ratio | `payoutRatio()` | `Annual Dividend / EPS` |
109
+ | Cash Conversion Ratio (CCR) | `cashConversionRatio()` | `Operating Cash Flow / Net Income` |
110
+
111
+ ### Risk & Bankruptcy Prediction
112
+ | Metric | Function | Notes |
113
+ |---|---|---|
114
+ | Altman Z-Score | `altmanZScore()` | Z > 2.99 = safe, 1.81–2.99 = grey zone, < 1.81 = distress |
115
+ | Piotroski F-Score | `piotroski()` | 9-signal scorecard; 8–9 = strong, 0–2 = weak |
116
+ | Sharpe Ratio | `sharpe()` | Risk-adjusted return vs risk-free rate |
117
+ | Target Upside | `targetUpside()` | % gap to analyst target price |
118
+
119
+ ### Growth & Timeseries Analysis
120
+ - **YoY Growth** — Year-over-year revenue, net income, EPS growth rates
121
+ - **QoQ Growth** — Quarter-over-quarter sequential growth
122
+ - **CAGR** — Compound Annual Growth Rate over any period
123
+ - **Fundamental Trends** — Multi-period margin trends, FCF conversion tracking
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124
 
71
125
  ---
72
126
 
73
- ## 🏗 Data Inputs: What the API Accepts
74
-
75
- To use the massive aggregator functions (like `analyzeCompany` or `analyzeValuation`), you just pass an object of shape `CompanySnapshotInput`.
76
-
77
- **EVERY FIELD IS OPTIONAL**. If you omit a field, the engine simply skips the metric that calculates it and safely returns `null` for that metric!
78
-
79
- ### `CompanySnapshotInput` (Used for Snapshot Analyzers)
80
- ```typescript
81
- interface CompanySnapshotInput {
82
- price?: number;
83
- marketCap?: number;
84
- totalRevenue?: number;
85
- grossProfit?: number;
86
- operatingIncome?: number;
87
- netIncome?: number;
88
- freeCashFlow?: number;
89
- eps?: number;
90
- bookValuePerShare?: number;
91
- revenuePerShare?: number;
92
- totalAssets?: number;
93
- totalLiabilities?: number;
94
- totalEquity?: number;
95
- totalDebt?: number;
96
- cashAndEquivalents?: number;
97
- inventory?: number;
98
- interestExpense?: number;
99
- costOfRevenue?: number;
100
- annualDividendPerShare?: number;
101
- expectedEarningsGrowthRate?: number;
102
- ebitda?: number;
103
- workingCapital?: number;
104
- retainedEarnings?: number;
105
- ebit?: number;
106
- taxRate?: number;
107
- returns?: number; // for sharpe
108
- riskFree?: number; // for sharpe
109
- stdDev?: number; // for sharpe
110
- analystTargetPrice?: number;
111
- }
112
- ```
113
-
114
- ### `FundamentalTimeseriesInput` (Used for Trend Analyzers)
115
- These metrics look at arrays chronologically from **oldest** to **newest**.
116
- ```typescript
117
- interface FundamentalTimeseriesInput {
118
- revenue: number[];
119
- netIncome: number[];
120
- costOfRevenue?: number[];
121
- operatingIncome?: number[];
122
- freeCashFlow?: number[];
123
- eps?: number[];
124
- }
125
- ```
126
-
127
- ---
127
+ ## Quick Start
128
128
 
129
- ## 🛠 Complete Usage Guide
129
+ ### The All-in-One API: `analyzeCompany()`
130
130
 
131
- ### 1. The Super Analyzer: `analyzeCompany`
132
- Pass your raw snapshot of a company, and let the engine derive everything at once. Setting `withInsights = true` will automatically translate numbers into human-readable recommendations ("Good", "Bad", "Neutral").
131
+ Pass any subset of a company's fundamentals and get structured analysis across all 7 categories at once:
133
132
 
134
133
  ```typescript
135
134
  import { analyzeCompany } from 'finance-calculator-pro';
136
135
 
137
- // You ONLY need to provide the fields you care about!
138
- const rawData = {
136
+ const data = {
139
137
  price: 150,
140
- eps: 5,
138
+ eps: 5,
141
139
  bookValuePerShare: 20,
142
140
  marketCap: 150000,
143
141
  totalDebt: 20000,
144
142
  cashAndEquivalents: 5000,
143
+ ebitda: 9000,
145
144
  netIncome: 5000,
145
+ operatingCashFlow: 7500,
146
+ totalRevenue: 50000,
146
147
  totalAssets: 100000,
147
148
  totalLiabilities: 60000,
148
149
  totalEquity: 40000,
149
150
  };
150
151
 
151
- // With Insights (Best for Beginners & UI)
152
- const insightAnalysis = analyzeCompany(rawData, true);
153
-
154
- console.log(JSON.stringify(insightAnalysis.valuation, null, 2));
155
- /*
156
- {
157
- "pe": {
158
- "value": 30,
159
- "status": "Bad",
160
- "insight": "Expensive. High growth is priced in."
161
- },
162
- "pb": {
163
- "value": 7.5,
164
- "status": "Bad",
165
- "insight": "Trading at a high premium to book value."
166
- },
167
- "ps": {
168
- "value": null,
169
- "status": "N/A",
170
- "insight": "Sales data unavailable."
171
- }
172
- }
173
- */
174
- ```
152
+ // withInsights: true → returns { value, status, insight } for every metric
153
+ const analysis = analyzeCompany(data, true);
175
154
 
176
- ### 2. Categorical Evaluation
177
- If you only want to process a specific category instead of all metrics at once, you can explicitly call categorical analyzers! They accept the exact same `CompanySnapshotInput`.
155
+ // Valuation
156
+ console.log(analysis.valuation.pe);
157
+ // { value: 30, status: "Bad", insight: "Expensive. High growth is priced in." }
178
158
 
179
- Available Categorical Analyzers:
180
- - `analyzeValuation(data, withInsights?)`
181
- - `analyzeProfitability(data, withInsights?)`
182
- - `analyzeLiquidity(data, withInsights?)`
183
- - `analyzeEfficiency(data, withInsights?)`
184
- - `analyzeRisk(data, withInsights?)`
159
+ console.log(analysis.valuation.evEbitda);
160
+ // { value: 18.33, status: "Bad", insight: "Expensive relative to cash earnings." }
185
161
 
186
- ```typescript
187
- import { analyzeProfitability } from 'finance-calculator-pro';
162
+ // Solvency
163
+ console.log(analysis.solvency.netDebtToEbitda);
164
+ // { value: 1.5, status: "Good", insight: "Low leverage. Manageable debt load." }
165
+
166
+ // Earnings Quality
167
+ console.log(analysis.quality.cashConversionRatio);
168
+ // { value: 1.5, status: "Good", insight: "Cash-backed earnings. Strong quality." }
188
169
 
189
- const profitabilityMetrics = analyzeProfitability(rawData, true);
190
- console.log(profitabilityMetrics.roe.insight); // "Strong return on shareholder equity."
170
+ // Risk
171
+ console.log(analysis.risk.altmanZScore);
172
+ // { value: 3.71, status: "Good", insight: "Safe zone. Low bankruptcy risk." }
191
173
  ```
192
174
 
193
- ### 3. Individual Metric Insights
194
- If you only need to calculate and evaluate a **single metric** (like P/E), you can combine the pure math modules directly with the `evaluate` engine to get insights without building a full company snapshot!
175
+ Returns 7 analysis categories: `valuation` · `profitability` · `liquidity` · `solvency` · `efficiency` · `risk` · `quality`
195
176
 
196
- ```typescript
197
- import { pe, evaluate } from 'finance-calculator-pro';
177
+ Every field in the input is **optional** — missing fields cause their dependent metrics to return `null` safely. The engine never throws.
198
178
 
199
- // 1. Calculate the raw numerical value
200
- const ratio = pe(150 /* price */, 5 /* eps */); // -> 30
179
+ ---
201
180
 
202
- // 2. Pass it natively to the Evaluator for automated context
203
- const insight = evaluate.pe(ratio);
181
+ ### Categorical Analyzers
204
182
 
205
- console.log(JSON.stringify(insight, null, 2));
206
- /*
207
- {
208
- "value": 30,
209
- "status": "Bad",
210
- "insight": "Expensive. High growth is priced in."
211
- }
212
- */
183
+ Run analysis on a single dimension — useful for dashboards, screeners, or compute-sensitive environments:
184
+
185
+ ```typescript
186
+ import {
187
+ analyzeValuation,
188
+ analyzeProfitability,
189
+ analyzeLiquidity,
190
+ analyzeSolvency,
191
+ analyzeEfficiency,
192
+ analyzeRisk,
193
+ analyzeQuality,
194
+ } from 'finance-calculator-pro';
195
+
196
+ const solvency = analyzeSolvency(data, true);
197
+ console.log(solvency.netDebtToEbitda);
198
+ // { value: 1.5, status: "Good", insight: "..." }
199
+
200
+ const quality = analyzeQuality(data, true);
201
+ console.log(quality.cashConversionRatio);
202
+ // { value: 1.5, status: "Good", insight: "Cash-backed earnings. Strong quality." }
213
203
  ```
214
204
 
215
- ### 4. Batch Analysis (Screening)
216
- Evaluate hundreds of companies seamlessly in a single line.
205
+ ---
206
+
207
+ ### Batch Analysis — Stock Screener
208
+
209
+ Evaluate an entire watchlist in one call:
217
210
 
218
211
  ```typescript
219
212
  import { analyzeBatch } from 'finance-calculator-pro';
220
213
 
221
- const multipleCompanies = [ company1, company2, company3 ];
222
- const batchResults = analyzeBatch(multipleCompanies, true);
214
+ const results = analyzeBatch([appleData, msftData, nvidiaData, tcsData], true);
215
+
216
+ // Sort by P/E ascending — cheapest first
217
+ const byPe = results
218
+ .filter(r => r.valuation.pe?.value !== null)
219
+ .sort((a, b) => (a.valuation.pe!.value as number) - (b.valuation.pe!.value as number));
223
220
  ```
224
221
 
225
- ### 5. Timeseries / Trend Analysis
226
- Pass arrays of data (oldest to newest) to get automated sequential growth rates and historical margins over time.
222
+ ---
223
+
224
+ ### Timeseries & Growth Trend Analysis
225
+
226
+ Pass chronological arrays (oldest → newest) to compute growth rates and margin trends automatically:
227
227
 
228
228
  ```typescript
229
229
  import { analyzeFundamentalTrends } from 'finance-calculator-pro';
230
230
 
231
- const timeseriesData = {
232
- revenue: [40000, 45000, 50000],
233
- netIncome: [4000, 5000, 6000]
234
- };
231
+ const trends = analyzeFundamentalTrends({
232
+ revenue: [365_817, 394_328, 383_285],
233
+ netIncome: [ 94_680, 99_803, 96_995],
234
+ }, 'annual');
235
235
 
236
- // Pass "annual" or "quarterly" depending on data density
237
- const trends = analyzeFundamentalTrends(timeseriesData, "annual");
238
-
239
- console.log(JSON.stringify(trends, null, 2));
240
- /*
241
- {
242
- "periodType": "annual",
243
- "growth": {
244
- "revenueGrowth": [0.125, 0.111111],
245
- "netIncomeGrowth": [0.25, 0.20],
246
- "revenueCagr": 0.118,
247
- "netIncomeCagr": 0.224
248
- },
249
- "margins": {
250
- "netMargins": [0.1, 0.111, 0.12]
251
- }
252
- }
253
- */
236
+ console.log(trends.growth.revenueCagr); // -0.022 (-2.2% CAGR)
237
+ console.log(trends.growth.revenueGrowth); // [0.0777, -0.0282]
238
+ console.log(trends.margins.netProfitMargin); // [0.259, 0.253, 0.253]
239
+ console.log(trends.quality.fcfConversion); // FCF / Net Income per period
254
240
  ```
255
241
 
256
- ### 6. Individual Mathematical Metrics (API Reference)
257
- Because this is fundamentally a generic node package, if you only need a single lightweight calculation without any object-mapping overhead, you can import and execute the mathematical functions directly.
242
+ ---
243
+
244
+ ### Individual Math Functions
258
245
 
259
- Every function returns a `number | null` (returning `null` implicitly if any division goes to zero or infinity, guaranteeing runtime safety).
246
+ Import any function directly for lightweight single-metric use. Every function returns `number | null` — `null` means a required input was absent; the library never throws:
260
247
 
261
- #### Valuation
262
248
  ```typescript
263
- import { pe, pb, ps, peg, evEbitda, calculateEnterpriseValue, dividendYield, calculateDCF } from 'finance-calculator-pro';
264
-
265
- pe(150 /* price */, 5 /* eps */); // -> 30
266
- pb(150 /* price */, 20 /* bookValuePerShare */); // -> 7.5
267
- ps(150 /* price */, 50 /* revenuePerShare */); // -> 3
268
- peg(30 /* peRatio */, 0.15 /* earningsGrowthRate */); // -> 200
269
- calculateEnterpriseValue(150000 /* marketCap */, 20000 /* debt */, 5000 /* cash */); // -> 165000
270
- evEbitda(165000 /* enterpriseValue */, 10000 /* ebitda */); // -> 16.5
271
- dividendYield(1.5 /* annualDividendPerShare */, 150 /* price */); // -> 0.01 (1%)
272
-
273
- // DCF Example
274
- calculateDCF(
275
- [3000, 3500, 4000, 4500, 5000] /* projectedFCF */,
276
- 0.10 /* discountRateWACC */,
277
- 0.025 /* terminalGrowthRate */
278
- );
249
+ import {
250
+ pe, pb, ps, peg, evEbitda, evRevenue, evFcf,
251
+ priceToCashFlow, earningsYield, grahamNumber, calculateDCF,
252
+ roa, roe, roic, grossMargin, operatingMargin, netProfitMargin,
253
+ currentRatio, quickRatio, debtToEquity, interestCoverage,
254
+ netDebt, netDebtToEbitda, debtToAssets,
255
+ assetTurnover, receivablesTurnover, daysSalesOutstanding,
256
+ payoutRatio, cashConversionRatio,
257
+ altmanZScore, piotroski, sharpe, targetUpside,
258
+ evaluate,
259
+ } from 'finance-calculator-pro';
260
+
261
+ // Valuation
262
+ pe(150, 5); // → 30
263
+ priceToCashFlow(150_000, 7_000); // → 21.43
264
+ earningsYield(5, 150); // → 0.0333 (3.33%)
265
+ grahamNumber(5, 20); // → 47.43 (null if EPS or book ≤ 0)
266
+
267
+ // Solvency
268
+ netDebtToEbitda(20_000, 5_000, 10_000); // → 1.5
269
+ debtToAssets(20_000, 100_000); // → 0.20
270
+
271
+ // Efficiency
272
+ daysSalesOutstanding(50_000, 6_250); // → 45.6 days
273
+
274
+ // Earnings Quality
275
+ cashConversionRatio(7_000, 5_000); // → 1.4
276
+
277
+ // Risk
278
+ altmanZScore(15_000, 20_000, 7_500, 250_000, 50_000, 100_000, 60_000); // → 3.71
279
+ sharpe(0.12, 0.04, 0.15); // → 0.533
280
+
281
+ // Piotroski F-Score
282
+ const result = piotroski({
283
+ netIncome: 5_000, totalAssets: 100_000, operatingCashFlow: 7_000,
284
+ priorNetIncome: 4_000, priorTotalAssets: 100_000,
285
+ });
286
+ result.score; // → 4
287
+ result.maxScore; // → 5
288
+
289
+ // Pair raw math with the Insights Engine
290
+ const ratio = pe(150, 5); // → 30
291
+ evaluate.pe(ratio);
292
+ // { value: 30, status: "Bad", insight: "Expensive. High growth is priced in." }
279
293
  ```
280
294
 
281
- #### Profitability
282
- ```typescript
283
- import { roa, roe, roic, grossMargin, operatingMargin, netProfitMargin, fcfMargin } from 'finance-calculator-pro';
295
+ ---
284
296
 
285
- roa(5000 /* netIncome */, 100000 /* totalAssets */); // -> 0.05
286
- roe(5000 /* netIncome */, 40000 /* totalEquity */); // -> 0.125
287
- roic(7000 /* operatingIncome */, 0.2 /* taxRate */, 20000 /* debt */, 40000 /* equity */, 5000 /* cash */); // -> 0.1018
297
+ ### Works with any data source
288
298
 
289
- // Margins
290
- grossMargin(50000 /* revenue */, 20000 /* costOfRevenue */); // -> 0.60
291
- operatingMargin(7000 /* operatingIncome */, 50000 /* revenue */); // -> 0.14
292
- netProfitMargin(5000 /* netIncome */, 50000 /* revenue */); // -> 0.10
293
- fcfMargin(3000 /* freeCashFlow */, 50000 /* revenue */); // -> 0.06
294
- ```
299
+ `finance-calculator-pro` accepts plain numbers — no proprietary data format required. Feed it data from `yahoo-finance2`, Alpha Vantage, Financial Modeling Prep, Polygon.io, your own database, or manually entered values. If you can get the numbers, the engine handles the rest.
295
300
 
296
- #### Liquidity
297
- ```typescript
298
- import { currentRatio, quickRatio, debtToEquity, interestCoverage } from 'finance-calculator-pro';
301
+ ---
299
302
 
300
- currentRatio(100000 /* currentAssets */, 60000 /* currentLiabilities */); // -> 1.66
301
- quickRatio(100000 /* currentAssets */, 10000 /* inventory */, 60000 /* currentLiabilities */); // -> 1.5
302
- debtToEquity(20000 /* totalDebt */, 40000 /* totalEquity */); // -> 0.5
303
- interestCoverage(7500 /* ebit */, 500 /* interestExpense */); // -> 15
304
- ```
303
+ ## TypeScript Support
304
+
305
+ Full type declarations included. All input fields are optional:
305
306
 
306
- #### Efficiency
307
307
  ```typescript
308
- import { assetTurnover, inventoryTurnover } from 'finance-calculator-pro';
308
+ import type { CompanySnapshotInput, FundamentalTimeseriesInput } from 'finance-calculator-pro';
309
309
 
310
- assetTurnover(50000 /* revenue */, 100000 /* averageTotalAssets */); // -> 0.5
311
- inventoryTurnover(20000 /* costOfRevenue */, 10000 /* averageInventory */); // -> 2.0
310
+ const snapshot: CompanySnapshotInput = {
311
+ price: 150,
312
+ eps: 5,
313
+ // Every field is optional — add only what you have
314
+ };
312
315
  ```
313
316
 
314
- #### Risk & Insights
317
+ **`CompanySnapshotInput` fields:**
318
+
315
319
  ```typescript
316
- import { altmanZScore, sharpe, targetUpside, grahamNumber } from 'finance-calculator-pro';
317
-
318
- // Altman Z-Score
319
- altmanZScore(
320
- 15000 /* workingCapital */,
321
- 20000 /* retainedEarnings */,
322
- 7500 /* ebit */,
323
- 150000 /* marketValueEquity */,
324
- 50000 /* sales */,
325
- 100000 /* totalAssets */,
326
- 60000 /* totalLiabilities */
327
- ); // -> 2.707
328
-
329
- sharpe(0.12 /* return */, 0.04 /* riskFree */, 0.15 /* stdDev */); // -> 0.533
330
- targetUpside(150 /* currentPrice */, 180 /* targetPrice */); // -> 0.20 (20% upside)
331
- grahamNumber(5 /* eps */, 20 /* bookValuePerShare */); // -> 47.43
320
+ interface CompanySnapshotInput {
321
+ // Pricing
322
+ price?: number;
323
+ marketCap?: number;
324
+ eps?: number;
325
+ bookValuePerShare?: number;
326
+ revenuePerShare?: number;
327
+ annualDividendPerShare?: number;
328
+ analystTargetPrice?: number;
329
+
330
+ // Income Statement
331
+ totalRevenue?: number;
332
+ grossProfit?: number;
333
+ operatingIncome?: number;
334
+ netIncome?: number;
335
+ freeCashFlow?: number;
336
+ operatingCashFlow?: number;
337
+ ebitda?: number;
338
+ ebit?: number;
339
+ costOfRevenue?: number;
340
+ interestExpense?: number;
341
+ expectedEarningsGrowthRate?: number;
342
+
343
+ // Balance Sheet
344
+ totalAssets?: number;
345
+ totalLiabilities?: number;
346
+ totalEquity?: number;
347
+ totalDebt?: number;
348
+ longTermDebt?: number;
349
+ cashAndEquivalents?: number;
350
+ inventory?: number;
351
+ tradeReceivables?: number;
352
+ workingCapital?: number;
353
+ retainedEarnings?: number;
354
+ sharesOutstanding?: number;
355
+ taxRate?: number;
356
+
357
+ // Risk / Portfolio
358
+ returns?: number;
359
+ riskFree?: number;
360
+ stdDev?: number;
361
+ }
332
362
  ```
333
363
 
334
- #### Timeseries / Growth Trends
335
- The growth modules return chronological arrays representing growth from the previous period. For $N$ inputs, they return an array of length $N-1$.
364
+ ---
365
+
366
+ ## API Summary
367
+
368
+ | Function | Category | Description |
369
+ |---|---|---|
370
+ | `analyzeCompany(data, insights?)` | All-in-one | All 7 categories at once |
371
+ | `analyzeValuation(data, insights?)` | Valuation | P/E, P/B, P/S, PEG, EV/EBITDA, Graham, P/CF, EY, EV/Rev, EV/FCF |
372
+ | `analyzeProfitability(data, insights?)` | Profitability | ROA, ROE, ROIC, all margins |
373
+ | `analyzeLiquidity(data, insights?)` | Liquidity | Current, Quick, D/E, Interest Coverage |
374
+ | `analyzeSolvency(data, insights?)` | Solvency | Net Debt, Net Debt/EBITDA, Debt/Assets |
375
+ | `analyzeEfficiency(data, insights?)` | Efficiency | Asset Turnover, Inventory, Receivables, DSO |
376
+ | `analyzeRisk(data, insights?)` | Risk | Altman Z-Score, Sharpe, Piotroski F-Score |
377
+ | `analyzeQuality(data, insights?)` | Quality | Payout Ratio, Cash Conversion Ratio |
378
+ | `analyzeBatch(dataArray, insights?)` | Batch | Array of snapshots → array of analyses |
379
+ | `analyzeFundamentalTrends(data, period)` | Timeseries | YoY/QoQ growth, CAGR, margin trends |
336
380
 
337
- ```typescript
338
- import { calculateGrowthRate, yoyGrowth, qoqGrowth, cagr } from 'finance-calculator-pro';
381
+ ---
339
382
 
340
- // Base YoY historical array mapping
341
- yoyGrowth([40000, 45000, 50000] /* chronologicalDataPoints */); // -> [0.125, 0.1111]
383
+ ## Why finance-calculator-pro?
342
384
 
343
- // Base QoQ trailing historical array mapping
344
- qoqGrowth([10000, 10500, 12000, 11000] /* chronologicalDataPoints */); // -> [0.05, 0.1428, -0.0833]
385
+ | Feature | finance-calculator-pro |
386
+ |---|---|
387
+ | Dependencies | **Zero** |
388
+ | Bundle size | **< 20 KB** (tree-shakeable) |
389
+ | TypeScript | **Full types included** |
390
+ | Return type | `number \| null` (never throws) |
391
+ | Insights engine | **Built-in** (value + status + insight) |
392
+ | Batch processing | **Yes** |
393
+ | Timeseries / growth | **Yes** |
394
+ | Browser / Edge compatible | **Yes** |
395
+ | ESM + CJS | **Both** |
345
396
 
346
- // CAGR (Beginning Value, Ending Value, Periods)
347
- cagr(40000 /* beginningValue */, 50000 /* endingValue */, 2 /* periods */); // -> 0.118 (11.8%)
348
- ```
397
+ ---
398
+
399
+ ## License
400
+
401
+ MIT © [Boffin Coders](https://boffincoders.com)
402
+
403
+ ---
404
+
405
+ ## Keywords
406
+
407
+ financial ratios · stock analysis · fundamental analysis · valuation metrics · P/E ratio · price-to-earnings · price-to-book · EV/EBITDA · enterprise value · DCF · discounted cash flow · Graham number · Altman Z-Score · Piotroski F-Score · Sharpe ratio · ROE · ROA · ROIC · profit margin · liquidity ratio · debt-to-equity · solvency · current ratio · quick ratio · asset turnover · days sales outstanding · payout ratio · cash conversion ratio · earnings yield · stock screener · investment analysis · equity analysis · portfolio analysis · FinTech · financial calculator · TypeScript · JavaScript · Node.js