Overview

Finoscop is a command-line financial analysis tool designed for investors and analysts. It provides comprehensive financial analysis capabilities including valuation models, risk assessment, and automated report generation.

Key Features

10+ valuation models including Graham formulas
Automatic risk scoring system
Multi-currency support (USD, RUB, CNY)
Bilingual interface (English/Russian)
Comprehensive report generation
Sustainable Growth Rate (SGR) calculation
Fair value range estimation
Industry-specific risk assessment
Altman Z-Score bankruptcy risk metric

System Requirements

Windows 10/11 (64-bit)
4 GB RAM minimum, 8 GB recommended
50 MB free disk space
x64 compatible processor
UTF-8 console support

What's New in v1.0.3

Version 1.0.3 brings new features, performance improvements, and expanded technical details.

Validated numerical calculations for valuation, profitability, liquidity, debt, and risk metrics
Improved CLI debugging with the --debug option
Improved risk scoring with weighted metrics and better handling of negative earnings
EUR currency support
Precision improvements and stable numerical algorithms (Kahan summation for aggregation)
Multi-issue bond input with weighted debt yield and maturity calculations
Added Altman Z-Score bankruptcy risk metric (interactive input and display)

Installation

Download and run Finoscop-Setup-v1.0.3.exe
Choose the installation folder in the installer; the default is C:\\Program Files\\Finoscop
Choose whether to create a desktop shortcut; a Start menu shortcut is also created.
No extra runtime is required for end users; the program is a native x64 Windows executable.

Developer/build dependencies (only required if you compile from source):

GCC/MinGW-w64 (g++) or MSVC toolset to compile from source
Optional: Git to fetch repository and build scripts

Note: The distributed binary does not require .NET or Visual C++ runtimes. On older Windows versions enable ANSI/VT processing for proper colored output.

Command Line Options

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Command	Description	Example
Show help message with all available options	`finoscop.exe --help`
`--version`, `-v`	Display program version information	`finoscop.exe --version`
`--license`, `-l`	Show license information	`finoscop.exe --license`
`--no-color`, `-nc`	Disable colored output (plain text)	`finoscop.exe --no-color`
`--lang=<ru\|en>`	Force program language (ru or en)	`finoscop.exe --lang=ru`
`--debug`	Enable debug logging	`finoscop.exe --debug`

Usage Guide

Starting the Program

Open Command Prompt and navigate to the Finoscop directory:

cd C:\\Finoscop

Start the program:

finoscop.exe

Or start with specific language:

finoscop.exe en

License Agreement

Upon first launch, you'll be presented with a license agreement. You must accept it to continue using the program.

Interactive Analysis Process

Finoscop guides you through a step-by-step analysis process:

Language Selection (if not specified)
Currency Selection
Basic Financial Data Input
Industry Sector Selection
Extended Financial Data Input
Historical Data Input
Data Review and Edit
Analysis Results Display
Report Generation (Optional)

Required Data for Analysis

To perform a complete financial analysis, Finoscop requires the following company data:

Basic Information

Company ticker symbol (optional)
Current market price per share
Earnings per share (EPS) - last 12 months
Expected earnings growth rate (%)
Weighted yield from entered bond issues (%)
Dividend per share
Book Value per Share (BVPS) or equity components
(Altman) Retained earnings, EBIT, Sales, Market value of equity (or price & shares)

Balance Sheet Data (in millions)

Total assets
Current assets
Inventory
Current liabilities
Total debt or multiple bond issues
Total equity
Intangible assets
Shares outstanding (millions)

Bond Issues

Issue name or ISIN
Principal amount in millions of the selected currency
Coupon rate and yield to maturity
Years to maturity and secured status
Total debt, yield, and maturity are weighted by principal amount

Income Statement Data

Net income for the year (millions)

Historical Data

Annual profit for last 10 years (millions)
Dividend payment history for 20 years (yes/no per year)

💡 Important Notes:

All financial data should be entered in the selected currency
Large numbers are entered in millions for convenience
For loss years, enter negative numbers
Both '.' and ',' are accepted as decimal separators

Currency Support

Finoscop supports three major currencies with adaptive thresholds:

Currency	Symbol	Threshold Multiplier	Notes
US Dollars	$	1.0	Base currency for calculations
Russian Rubles	₽	100.0	Adjusted for \~100:1 USD ratio
Chinese Yuan	¥	7.0	Adjusted for \~7:1 USD ratio
Euro	€	0.85	Experimental support; adjusted for ≈0.85:1 USD ratio

Program Interface Examples

1. Program Startup

═══════════════════════════════════════════════════════════════════════════════ FINOSCOP v1.0.3 Professional Financial Analysis Tool © Chernikov Aleksei, 2025-2026 ═══════════════════════════════════════════════════════════════════════════════ Build: build date and time License: Finoscop — Proprietary License 1.1 Email: support@finoscop.com Website: https://finoscop.com ═══════════════════════════════════════════════════════════════════════════════ Your choice (1-2) → 1 Language set to: English

2. License and Main Menu

License Agreement 1. This software is provided "as is", without warranty of any kind. 2. Personal analytical use only is permitted. Do you agree to the license terms? (y/n): y License accepted. Welcome to Finoscop! FINOSCOP / INVESTMENT DESK 1. New Stock Analysis 2. Help - What are the metrics? 3. Exit Action [1-3] > 1

3. Industry Sector Selection

Select company sector for more accurate risk assessment: 1. Technology (IT, SaaS, software) 2. Financial (banks, insurance) 3. Healthcare (pharma, medtech) 4. Industrial (manufacturing) 5. Consumer goods (retail) 6. Energy (oil, gas) 7. Utilities 8. Materials (metals, chemicals) 9. Telecommunications 10. Real Estate (REIT) 11. Other/Unknown Your choice (1-11): 1 Selected sector: Technology Asset requirements multiplier: 0.3x ℹ Reduced physical asset requirements

4. Data Input Process

Basic Financial Data ──────────────────────────── Enter ticker (or press Enter to skip): Noname Current market price per share ($): 185.64 Do you have Book Value per Share (BVPS)? (y/n): y Enter Book Value per share (BVPS) ($): 4.85 Enter EPS (earnings per share, last 12 months): 6.16 Enter expected earnings growth percent (e.g. 5): 8 Number of bond issues (0 if unavailable): 2 Bond issue #1 - Name or ISIN: TSLA 2028 Face amount (millions): 500 Coupon rate (%): 5.3 Yield to maturity (%): 5.8 Years to maturity: 2 Is the issue secured? (y/n): n Bond issue #2 - Name or ISIN: TSLA 2030 Face amount (millions): 300 Coupon rate (%): 5.7 Yield to maturity (%): 6.1 Years to maturity: 4 Is the issue secured? (y/n): n Enter dividend per share for the year ($): 0.96

5. Data Review Screen

Current Entered Data: ───────────────────── 1. Ticker: Noname 2. Market price: $185.64 3. BVPS: $4.85 4. EPS: 6.16 5. Expected growth (%): 8.00 6. Bond yield (%): 5.91 7. Dividend per share: $0.96 8. Sector: (see selection) 9. Total assets (M): 352.6 10. Current assets (M): 143.7 11. Inventory (M): 6.3 12. Current liabilities (M): 145.1 13. Total debt (M): 800.0 14. Bond issues: 2 15. Total equity (M): 62.2 16. Net income (M): 100.0 17. Profits for 10 years: [Entered] 18. Dividends for 20 years: [Entered] 19. Retained Earnings (Altman): [Not specified] 20. EBIT (Altman): [Not specified] 21. Sales (Altman): [Not specified] 22. Shares Outstanding (Altman): [Not specified] Enter field number to edit (or 0 / Enter to continue) > 0

6. Analysis Results

Financial Report ───────────────────── Ticker: Noname Market price: $185.64 Book value per share (BVPS): $4.85 Bond Debt Structure TSLA 2028 500.00M $ Yield: 5.80% | maturity: 2 years TSLA 2030 300.00M $ Yield: 6.10% | maturity: 4 years Total: 800.00M $ | weighted yield: 5.91% | weighted maturity: 2.75 years Key Ratios Total Assets $352.6M ◯ SAFE Current Ratio 0.99 ◐ MODERATE Quick Ratio 0.95 ◯ SAFE Debt-to-Equity 1.79 ◉ RISK Return on Equity (ROE) 160.77% ◯ SAFE Return on Assets (ROA) 28.36% ◯ SAFE P/E Ratio 30.14 ◐ MODERATE P/B Ratio 38.28 ◉ RISK Altman Z-Score 3.95 ◯ SAFE Intrinsic Value Graham Basic $159.36 Graham Modified $146.10 Margin of Safety Basic Margin -14.22% ▼ Overvalued Modified Margin -21.34% ▼ Overvalued Additional Analysis Sustainable Growth Rate (SGR) 112.54% ◯ Excellent Fair Value Range $5.82 - $14.55 Average Fair Value $10.18 Historical Stability Profitable 10 Years ◯ Yes Dividends 20 Years ◯ Yes Risk Assessment Overall Risk Level ◑ High Risk Issues Found 3/10 Recommendation ◉ Not Recommended High risk or overvaluation detected

7. Report Generation

Save report to file? (y/n): y Report saved to file: finoscop_report_Noname_2025-12-07_15-30-45.txt Do you want to perform another analysis? (y/n): n Thank you for using Finoscop! Goodbye!

Risk Assessment System

Finoscop automatically evaluates multiple financial metrics and provides an overall risk assessment.

Risk Assessment Categories

Financial Health

Total Assets (industry-specific)
Current Ratio
Quick Ratio
Debt-to-Equity

Profitability

Return on Equity - ROE (≥15%)
Return on Assets - ROA

Valuation Metrics

Price-to-Earnings - P/E
Price-to-Book - P/B

Historical Stability

10-Year Profit Consistency
20-Year Dividend History

Altman Z-Score

Altman Z-Score is a classical bankruptcy prediction metric. Finoscop supports the original Altman formula (suitable for listed companies) and provides an interpretation band.

Formula (original): Z = 1.2*(WorkingCapital/TotalAssets) + 1.4*(RetainedEarnings/TotalAssets) + 3.3*(EBIT/TotalAssets) + 0.6*(MarketValueEquity/TotalLiabilities) + 1.0*(Sales/TotalAssets)
Interpretation: Z > 3.0 (Safe); 1.8 < Z <= 3.0 (Gray zone); Z <= 1.8 (High bankruptcy risk)
Working capital = Current assets - Current liabilities. Market value of equity is computed as price per share * shares outstanding (ensure units match, use millions if other data is in millions).
Interactive input: Altman data is requested during the standard input flow (y/n). There is no separate --altman or configuration-file option.
Notes: For non-manufacturing or private firms, coefficients and interpretation may be adjusted; Finoscop treats Altman as an advisory metric combined with other risk checks.

Risk Levels

◯ Low Risk

0-2 issues

Excellent financial health

◐ Moderate Risk

3-4 issues

Good with some concerns

◑ High Risk

5-6 issues

Multiple warning signs

◉ Critical Risk

7+ issues

Significant financial issues

Report Generation

Finoscop can generate comprehensive text reports that include all analysis results. Reports are automatically saved with timestamps and ticker symbols.

Report Structure

Header with company information
Key financial ratios with risk assessment
Intrinsic value estimates (Graham basic and modified)
Margin of safety calculations
Additional analysis (SGR, fair value range)
Altman Z-Score (bankruptcy risk assessment)
Historical stability analysis
Overall risk assessment
recommendation
Footer with program information and license

File Naming Convention

Reports are saved with the following format:

finoscop_report\_\[TICKER\]\_YYYY-MM-DD_HH-MM-SS.txt

If no ticker is provided, the filename starts with 'finoscop_report\_':

finoscop_report_2025-12-07_15-30-45.txt

Technical Reference

This section provides technical details about calculation methods, data formats, and developer notes.

Calculation Methods

Graham formulas: basic and modified implementations as described in program settings; modified uses 22.5 multiplier and adjusted EPS smoothing.
SGR: Sustainable Growth Rate computed with ROE and retention ratio; capped to avoid unrealistic projections.
Fair value range: ensemble of models (Graham, P/E-based, DCF-lite) averaged with outlier-resistant statistics.
Risk scoring: weighted checklist of metrics; thresholds are industry- and currency-adjusted.

Finoscop v1.0.3 Documentation