What (One-liner)
Calculates 30+ financial metrics + V composite score (0-100) from yfinance three statements (income / balance / cashflow), displaying in 9 categories + hard constraint warnings. It is the V-dimension input for the BLCV composite score.
How to use
Drag blcv_financials_v1 into Canvas, fill in symbol. Output displays 9 categories of metrics (liquidity / solvency / profitability / growth / cashflow / valuation / efficiency / asset structure / liability structure) + v_score + warnings (soft: high leverage) + errors (hard: bankruptcy risk).
Core formulas
V_score is the weighted composite of 9 sub-metric categories clamped to [0, 100]. Key ratios:
- Current Ratio = current_assets / current_liabilities
- Debt/Asset = total_debt / total_assets
- ROIC = NOPAT / invested_capital
- FCF Yield = free_cash_flow / market_cap
Assumptions & applicability
Assumptions: yfinance standard field names for three statements; latest quarter represents current status; V-dimension sub-weights are empirically allocated (not learned).
Applicability: Developed market equities; real economy sectors like manufacturing / consumer / tech / pharma; medium-to-long term holding horizon.
Not Applicable: Banks / Insurance (special capital structures); REITs / Funds (AUM metrics); early-stage pre-revenue; crypto.
Input / Output contract
symbol: str → large dict containing 9 categories of nested sub-dictionaries + v_score: float + warnings: list + errors: list + logic_lineage: list. See frontmatter for details.
Known limitations
- Quarterly lag (data before earnings reflects previous quarter)
- yfinance row names drift occasionally → heuristic mapping might miss
- Extreme value auto-clamp might mask real issues
- AAPL Current Ratio<1 triggering error is a false positive → rules need to be context-aware (follow-up)
References
Graham-Dodd (1934) + Altman (1968) bankruptcy prediction + Damodaran (2012) Investment Valuation. See frontmatter for details.
Golden Test
tests/golden/fixtures/tier1/blcv_financials/, integration_regression type (pickled yfinance raw-data snapshot for AAPL 2026-04-20 replayed). Tolerance 1e-6 absolute. 4 tests: matches_snapshot + v_score_in_0_100 + determinism + top_level_field_set.
Changelog
- 1.1.0 (2026-04-20) — 0-100 scale alignment + lineage sync
- 1.0.0 (2026-04-19) — Initial production (0-1)