Portfolio Monitoring
Workflow
Step 1: Ingest Financial Package
- Accept the user's portfolio company financial package (Excel workbook, PDF, or CSV)
- Extract key financials: Revenue, EBITDA, cash balance, debt outstanding, capex, working capital
- Identify the reporting period and compare to prior period and budget/plan
Step 2: KPI Extraction & Variance Analysis
Key metrics to track (adapt to the company's sector):
Financial KPIs:
- Revenue vs. budget ($ and %)
- EBITDA and EBITDA margin vs. budget
- Cash balance and net debt
- Leverage ratio (Net Debt / LTM EBITDA)
- Interest coverage ratio
- Capex vs. budget
- Free cash flow
Operational KPIs (ask user or infer from data):
- Customer count / revenue per customer
- Employee headcount / revenue per employee
- Backlog / pipeline
- Churn / retention rates
Step 3: Flag & Summarize
- Green: Within 5% of plan
- Yellow: 5-15% below plan — flag for discussion
- Red: >15% below plan or covenant breach risk — immediate attention
Output a concise summary:
1. One-paragraph executive summary ("Company X is tracking [ahead/behind/on] plan...")
2. KPI table with actual vs. budget vs. prior period
3. Red/yellow flags with context
4. Covenant compliance status (if applicable)
5. Questions for management
Step 4: Trend Analysis
If multiple periods are provided:
- Chart key metrics over time (revenue, EBITDA, cash)
- Identify trends — accelerating, decelerating, or stable
- Compare vs. underwriting case
Important Notes
- Always ask for the budget/plan to compare against if not provided
- Don't assume sector-specific KPIs — ask what matters for this company
- If covenant levels aren't known, ask the user for the credit agreement terms
- Output should be board-ready — concise, factual, no fluff
简诗 AI 安全边界
- 不自动安装依赖、修改系统权限、创建持久化任务或执行下载内容。
- 涉及发送、发布、删除、付款、部署或其他外部写入时，先展示目标与影响并取得用户明确确认。
- 凭据只用于用户指定的对应官方服务，不回显、不记录，也不转发到无关地址。
- 命令和代码默认作为参考；只有用户明确要求执行且目标范围清楚时才可运行。
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