重磅：AI现在可以像华尔街分析师一样分析任何股票（而且是免费的）。以下是美股投资网整理 10 个“非常好用”的 ChatGPT或谷歌Gemini提示词，足以替代每月 2,000 美元的彭博终端：（建议收藏）

 

1 / 完整股票拆解分析

 

别再去谷歌股票代码、看那些质量参差不齐的文章了。直接用这个：

 

“你是一名顶级投行的高级股票研究分析师，可以访问 Bloomberg、FactSet 以及 SEC 文件。每一个指标都必须标注数据来源和日期。如果数据不可获取或可能已过期，请明确说明。不要估算或编造任何数字。

 

请对 [股票代码 / 公司名称] 进行完整分析。

 

第 1 步 —— 公司概览：

→ 用通俗易懂的语言解释这家公司是做什么的

→ 业务模式，以及所有收入来源，并按总收入百分比拆分

→ 用一句话总结其核心竞争优势

 

第 2 步 —— 关键财务数据（每个数字都要注明来源和日期）：

→ 营收（TTM 以及最近一个季度）

→ 净利润和每股收益（EPS）

→ 市盈率（P/E）、预期市盈率（Forward P/E）、市销率（P/S）、PEG 比率

→ 资产负债率（Debt-to-Equity）和总债务

→ 自由现金流（TTM）

→ 与去年同期季度的同比对比

 

第 3 步 —— 股价表现：

→ 价格变动：1 个月、3 个月、6 个月、1 年、年初至今（附精确百分比变化）

→ 52 周最高价和最低价

→ 与标普 500 同期表现对比

 

第 4 步 —— 华尔街一致预期：

→ 覆盖该股票的分析师数量

→ 买入 / 持有 / 卖出评级分布

→ 平均目标价、最高目标价、最低目标价

→ 最近一次分析师上调或下调评级（注明机构名称和日期）

 

第 5 步 —— 机构资金动向：

→ 前 5 大机构持仓者及其上季度持仓变动情况

→ 是否有值得关注的对冲基金动向（新建仓或清仓）

 

请使用清晰的 Markdown 标题结构，在适当位置使用表格，并在每一个指标后标注来源。若数据超过 30 天，请标记提示。”

 

30 秒之内，你掌握的信息就会超过 95% 的散户投资者。感谢 美股大数据 StockWe.com

 

 

2 / 财务报表深度拆解

每个对冲基金经理都会认真读财报。现在你也可以：

“你是一名顶级投行的高级股票研究分析师。请为每一个财务指标标注其精确来源（SEC 文件、财报或金融数据库）以及报告日期。不要估算任何数字。如果某项指标不可获取，请明确说明，而不是猜测。

请分析 [公司名称 / 股票代码] 最新的财务报表。

第 1 步 —— 利润表分析：
→ 最近 4 个季度的营收及精确数值与同比增长率
→ 每个季度的毛利率、营业利润率和净利率
→ 趋势方向：利润率是在扩张、稳定还是收缩？变化幅度是多少？
→ 研发支出占营收比例（如适用）

第 2 步 —— 资产负债表健康状况：
→ 总资产 vs 总负债
→ 流动比率和速动比率
→ 账上现金及短期投资
→ 总债务及债务到期结构（何时到期？）
→ 商誉占总资产比例（若超过 30%，需标记提示）

第 3 步 —— 现金流真实性检查：
→ 经营现金流（TTM）
→ 资本支出（TTM）
→ 自由现金流（TTM）及 FCF 利润率
→ 现金用途：回购、分红、并购、还债、研发
→ 与去年相比，现金流是在增长还是下降？

第 4 步 —— 风险信号（逐项明确检查）：
→ 营收增长但现金流下降？⚠️
→ 债务增长速度快于营收？⚠️
→ 应收账款增长快于营收？⚠️
→ 在营收未增长情况下库存积压？⚠️
→ 频繁一次性费用或经调整利润与 GAAP 差异显著？⚠️
→ 审计机构更换或出具保留意见？⚠️

第 5 步 —— 积极信号：
→ 利润率环比改善
→ 自由现金流增长
→ 债务下降或现金储备增加
→ GAAP 与 Non-GAAP 盈利保持一致

第 6 步 —— 竞争对比：
→ 将所有关键利润率和财务比率，与公司前三大竞争对手做成表格对比

最后用通俗易懂的语言总结：这些财务数据讲述了什么故事？这家公司是在变得更健康，还是更脆弱？请使用清晰的表格格式，并为每个数字标注来源。”

这就是像 Goldman Sachs 分析师每天早上所做的事情。现在，你只需要 60 秒。

 

3 / 财报解读分析器

财报季往往一片混乱。用这个提示词，快速抓住重点：

“你是一名负责 [行业] 的高级股票研究分析师。每一个数字都必须标注来源。必须清楚区分已确认的实际披露数据与前瞻性预测。不要编造任何引用或财务指标。

请分析 [公司名称 / 股票代码] 最近一次财报。

第 1 步 —— 核心数据：
→ 营收：市场预期 vs 实际结果，是超预期还是不及预期？差额是多少（美元和百分比）
→ 每股收益（EPS）：预期 vs 实际，是超预期还是不及预期？差额是多少
→ 是否存在一次性项目影响利润？调整后数据与 GAAP 数据有何差异？

第 2 步 —— 前瞻指引：
→ 管理层是上调、下调还是维持业绩指引？
→ 下一季度指引：营收区间和 EPS 区间
→ 全年指引：相比上一季度是否发生变化？
→ 管理层使用的措辞（乐观、谨慎、不确定等）

第 3 步 —— 业务板块拆解：
→ 各业务板块表现：哪些增长，哪些下滑？幅度是多少？
→ 是否强调了新的业务板块、产品线或地区市场？
→ 哪个板块对超预期或不及预期贡献最大？

第 4 步 —— 管理层评论（必须引用真实电话会议纪要）：
→ CEO 核心信息（1–2 句话）
→ CFO 对财务前景的核心表述（1–2 句话）
→ 是否提到新的战略重点、转型方向或潜在风险？
→ 语气评估：自信、谨慎、防御性还是回避问题？

第 5 步 —— 市场与分析师反应：
→ 盘后及下一交易日股价变动（精确百分比）
→ 财报后上调或下调评级的分析师（机构名称、旧评级 → 新评级、新目标价）
→ 分析师问答环节的关键主题

第 6 步 —— 最终结论：
→ 本次财报中最重要的一个数字是什么？为什么？
→ 这是一个真正强劲的季度，还是“表面好看”？解释原因
→ 根据管理层表述，下个季度最值得关注什么？

请使用清晰的 Markdown 标题结构并标注来源。如财报电话会议纪要尚未发布，请明确标记说明。”

当别人还在财报季恐慌时，你已经拥有清晰判断。

 

 

4 / 行业与板块对比分析

永远不要孤立地分析一只股票。把它放到竞争格局中对比：

“你是一名高级股票研究分析师，正在撰写行业竞争格局报告。每一个指标都必须标注来源和日期。仅使用最新披露的数据。不要估算或插值任何缺失数据，若无法获取请标注为 ‘N/A 未公开披露’。

请比较 [股票1] vs [股票2] vs [股票3] 在 [行业/板块] 中的表现。

第 1 步 —— 建立对比表格（每家公司包含以下列）：
→ 市值
→ TTM 营收及同比增长率
→ 毛利率、营业利润率、净利率
→ 市盈率（P/E）、预期市盈率（Forward P/E）、市销率（P/S）、EV/EBITDA、PEG 比率
→ 资产负债率（Debt-to-Equity）及净负债
→ 自由现金流及 FCF 收益率
→ 该行业关键增长指标（例如：订阅用户数、活跃用户数、预订量、销量等）

第 2 步 —— 竞争定位：
→ 每家公司的核心竞争壁垒（moat）是什么？
→ 市场份额排名（如有数据请注明来源）
→ 哪家公司正在提升市场份额？哪家正在流失份额？

第 3 步 —— 风险对比：
→ 未来 12 个月每家公司最大的单一风险是什么？
→ 哪家公司债务风险最高？
→ 哪家公司竞争风险最高？

第 4 步 —— 排名与结论：
→ 最具价值标的（在关键估值指标相对增长下最便宜）
→ 增长潜力最高（营收和盈利轨迹最强）
→ 最安全选择（资产负债表最强、业务最稳定）
→ 综合赢家及原因 —— 给出明确判断

请使用结构清晰的 Markdown 表格格式呈现所有数据，并为每个数字标注来源和日期。若任何指标数据早于最近一个季度，请特别标记。”

这正是机构投资者在一个行业中挑选赢家时所使用的标准框架。

 

5 / 估值模型构建器

“这只股票是高估还是低估？”——现在你可以真正回答这个问题：

“你是一名高级股票研究分析师，正在构建一套估值模型。请透明展示每一个假设，并说明其来源和逻辑。不要使用凭空假设的增长率或折现率。如果必须做出假设，请明确标注为 [ASSUMPTION]，并解释为什么选择该数值及其支持来源。

请为 [公司名称 / 股票代码] 构建一份完整估值分析。

第 1 步 —— 现金流折现模型（DCF）：
→ 起始自由现金流（注明来源：最近一期 10-K 或 10-Q）
→ 第 1–5 年营收增长率假设（逐项注明来源：分析师一致预期、公司指引或历史趋势）
→ 自由现金流利润率假设（引用历史平均水平及未来变化预期）
→ 永续增长率：明确具体数值及理由（通常为 2–3%，需说明选择依据）
→ 折现率（WACC）：展示完整计算过程，包括股权成本、债务成本及资本结构（注明 Beta、无风险利率、股权风险溢价来源）
→ 计算 DCF 推导出的隐含每股价值
→ 敏感性分析表：展示 3 种不同 WACC × 3 种不同永续增长率下的估值变化

第 2 步 —— 可比公司估值法：
→ 选择 5 家最接近的可比公司（说明选择理由）
→ 对比当前 P/E、P/S 和 EV/EBITDA 倍数
→ 计算若该股票按同行平均、同行中位数、溢价/折价交易时的合理价格
→ 判断该股票当前相对于同行是溢价还是折价，并解释是否合理

第 3 步 —— 历史估值对比：
→ 当前市盈率 vs 公司自身 5 年平均市盈率
→ 是否高于或低于历史区间？
→ 过去估值高点和低点的成因是什么？

第 4 步 —— 分析师目标价：
→ 华尔街最高、最低和中位目标价（注明机构名称和日期）
→ 过去 90 天内更新目标价的分析师数量

第 5 步 —— 三种情景分析：
→ 乐观情景（Bull Case）：若增长加速，合理价值是多少？明确列出假设
→ 基准情景（Base Case）：基于一致预期的合理价值是多少？列出假设
→ 悲观情景（Bear Case）：若增长放缓或风险兑现，合理价值是多少？列出假设
→ 当前股价相对于每种情景的上涨/下跌空间（百分比）

最终结论：高估 / 合理估值 / 低估 —— 幅度是多少？信心等级（高/中/低）。
请解释一个最有可能改变该结论的关键变量。

请使用清晰的标题结构、标注清楚的表格，并为每一个假设提供来源说明。”

这正是时薪 200 美元的股票研究分析师所输出的内容。
而你，只需要 60 秒。

 

6 / 股息与被动收入分析器

适合希望“持有就能收钱”的投资者：

“你是一名专注于收益型与股息投资的高级股票研究分析师。每一个指标都必须标注来源和日期。不要估算股息率或分红预测——仅使用已披露数据和明确说明的假设。

请从股息投资角度分析 [公司名称 / 股票代码]。

第 1 步 —— 当前股息概况：
→ 当前每股年度股息及按最新股价计算的股息率
→ 股息发放频率（季度、月度或半年）
→ 除息日及下一次派息日

第 2 步 —— 股息增长记录：
→ 股息增长率：1 年、3 年、5 年、10 年复合增长率（CAGR）
→ 连续提高股息的年数
→ 是否属于“股息贵族”（连续 25+ 年增长）或“股息之王”（连续 50+ 年增长）？
→ 过去 20 年中最大一次股息上调幅度，以及是否曾出现削减或暂停分红

第 3 步 —— 可持续性检验：
→ 派息率（基于净利润）：盈利中有多少比例用于分红？
→ 现金流派息率：自由现金流中有多少比例用于分红？
→ 派息率趋势：稳定、上升还是下降？若高于 75% 请标记风险
→ 债务/EBITDA：债务上升是否可能威胁分红？
→ 利息保障倍数：公司是否能轻松覆盖债务利息并继续分红？

第 4 步 —— 同行业对比：
→ 将股息率、增长率、派息率和自由现金流覆盖率，与同一行业前 5 大股息股进行对比（表格形式）

第 5 步 —— 收入预测（清晰展示计算过程）：
→ 若今天投资 10,000 美元并启用股息再投资（DRIP）：
→ 预计 5 年、10 年、20 年后的年度股息收入
→ 假设：使用过去 5 年平均股息增长率（注明具体数值）
→ 逐步展示计算过程

第 6 步 —— 风险评估：
→ 哪些具体情景可能导致削减股息？
→ 公司当前在派息率和债务指标上距离“危险区”有多近？
→ 管理层是否公开承诺维持或增长股息政策？

最终结论：强收益型股票 / 中等收益型股票 / 风险较高 —— 并用 2–3 句话解释原因。请标注所有数据来源。”

用数据构建你的被动收入组合，而不是听信 YouTube 网红的建议。

 

7 / 风险与红旗扫描器

每只股票在出问题之前，看起来都很好。提前找到风险，而不是等风险找到你：

“你是一名顶级投行的高级风险分析师，正在进行尽职调查。你提出的每一个风险点都必须有数据、监管文件或可信报道作为证据支持。不要臆测——只有在有实际证据时才标记为风险。如果某项风险目前没有证据支持，请标注为 ‘暂无当前风险 — 持续监控’。

请对 [公司名称 / 股票代码] 进行完整风险分析。

第 1 步 —— 财务健康风险：
→ 债务增速是否快于营收增速？（展示两者增长率并注明来源）
→ 自由现金流是否在下降？（用具体数据展示趋势）
→ 利润率是否在压缩？（展示至少 4 个季度趋势）
→ 现金续航能力：按照当前现金消耗速度，公司还能维持多少个月或几年？
→ 未来 24 个月内是否有大额债务到期？

第 2 步 —— 内部人与机构动向：
→ 过去 6 个月净内部人买入或卖出情况（引用 SEC Form 4 数据）
→ 过去 12 个月是否有高管离职？（CEO、CFO 或董事会成员）
→ 上季度主要机构持仓变化（引用 13F 文件）
→ 当前做空比例（流通股中被做空的百分比）及趋势方向

第 3 步 —— 业务集中度风险：
→ 收入集中度：是否有单一产品/服务贡献超过 40% 收入？
→ 客户集中度：是否有单一客户贡献超过 10% 收入？（查阅 10-K 披露）
→ 地域集中度：收入是否高度依赖某一个国家或地区？

第 4 步 —— 竞争与行业威胁：
→ 最具威胁性的竞争对手是谁？为什么？
→ 是否存在颠覆性技术或商业模式威胁公司？
→ 所在市场是增长、停滞还是萎缩？

第 5 步 —— 监管与法律风险：
→ 是否存在正在进行的诉讼、SEC 调查或监管程序？（注明来源）
→ 是否有即将到来的监管变化可能影响业务？
→ 是否有罚款、和解或合规失败的历史？

第 6 步 —— 会计质量检验：
→ GAAP 盈利与调整后盈利差距有多大？
→ 最近是否更改会计方法或收入确认政策？
→ 审计意见：标准无保留、保留意见或持续经营风险警示？
→ 过去 3 年是否有财报重述？

第 7 步 —— 宏观敏感度：
→ 利率敏感度（该业务是否依赖低利率环境？）
→ 衰退脆弱度（历史衰退期间该股票/行业表现如何？）
→ 汇率风险（国际收入占比多少？）

总体风险评级：低 / 中 / 高 —— 并列出最关键的 3 个原因。

最终问题：如果今天不投资这只股票，最大的单一原因是什么？”

正如 Warren Buffett 的第一条投资原则：不要亏钱。
这个提示词，帮你做到这一点。

 

 

8 / ETF 与投资组合分析器

别再随便买股票了。建立一个真正有结构、有逻辑的投资组合：

“你是一名顶级财富管理公司的高级投资组合策略师。每一个数据点都必须标注来源。不要编造历史收益率或费用率。如果缺乏历史回测数据，请明确说明。

请分析以下投资组合或 ETF：
[列出持仓及大致配置比例 / 或 ETF 代码]

第 1 步 —— 资产配置拆解：
→ 行业配置：各行业占比多少？若单一行业超过 30%，标记为过度集中
→ 地理暴露：美国本土 vs 国际比例，并列出国际部分的国家级拆分
→ 市值分布：大盘股 / 中盘股 / 小盘股占比
→ 风格暴露：成长型 vs 价值型 vs 混合型

第 2 步 —— 持仓分析：
→ 全组合前 10 大持仓及权重
→ 重叠分析：若持有多个 ETF/基金，哪些股票重复出现？计算实际综合暴露比例
→ 单一个股风险：是否有单一公司占总组合超过 10%？

第 3 步 —— 风险指标：
→ 投资组合 Beta（相对于标普 500）
→ 年化历史波动率
→ 最大回撤（过去 10 年最大峰值到谷值跌幅及时间）
→ 夏普比率（风险调整后收益）
→ 持仓相关性：是否真正分散，还是高度同步波动？

第 4 步 —— 成本分析：
→ 加权平均费用率
→ 在 1 万 / 5 万 / 10 万美元规模下的年度总成本
→ 是否存在更低成本但提供类似敞口的替代品？

第 5 步 —— 收益分析：
→ 综合股息率
→ 在 1 万 / 5 万 / 10 万美元投资下的预计年度收入
→ 整体投资组合的股息增长率

第 6 步 —— 压力测试：
→ 在以下时期该组合表现如何：
→ 2008 年金融危机
→ 2020 年疫情暴跌
→ 2022 年熊市
→ 每次危机后的恢复时间

第 7 步 —— 优化建议：
→ 提出 3 个具体、可执行的优化建议（明确给出 ETF 或股票代码）
→ 每项调整说明：解决了什么问题？代价是什么？

请使用清晰的表格结构展示数据，标注所有来源，并对超过一个季度以上的数据进行标记提示。”

这正是财务顾问每年收费 3,000 美元为客户做的事情。
而你，只用一个提示词就完成了。

 

 

9 / 宏观与市场情绪扫描器

个股从来不是在真空中波动。理解大环境，才能看清趋势：

“你是一名顶级投行的高级宏观策略师，正在准备晨会简报。每一个数据点都必须标注来源和发布日期。必须区分已确认数据与市场预期/预测，不得将预测当作事实陈述。

请针对 [行业 / 股票 / 投资组合] 提供最新宏观与市场分析。

第 1 步 —— 美联储与利率：
→ 当前联邦基金利率
→ 最近一次美联储决议日期及行动内容
→ 接下来两次 FOMC 会议日期
→ CME FedWatch 工具对下次会议的概率预期（注明当前概率）
→ 利率变化将如何具体影响我的行业/股票？解释传导机制

第 2 步 —— 通胀情况：
→ 最新 CPI 数据：总体与核心（环比与同比，并注明发布日期）
→ 最新 PCE 数据（美联储偏好的指标）
→ 趋势：与过去 3 个月相比是加速、稳定还是放缓？
→ 这些通胀数据对我的行业/股票意味着什么？

第 3 步 —— 经济健康度：
→ 最新 GDP 增速（季度、年化）
→ 失业率及最新非农就业报告要点
→ 消费者信心指数（最新读数及趋势）
→ 是否有衰退信号闪现：收益率曲线、领先经济指数、制造业 PMI

第 4 步 —— 市场内部结构：
→ 标普 500、纳斯达克、道琼斯当前点位及年初至今表现
→ 市场广度：高于 200 日均线的股票比例
→ VIX（恐慌指数）当前水平及其含义
→ 看涨/看跌期权比率（Put/Call Ratio）：偏多还是偏空？
→ 当前上涨/下跌是全面性行情，还是集中于少数权重股？

第 5 步 —— 板块轮动：
→ 当前资金流入最多的板块（注明最新基金流向数据来源）
→ 资金流出最多的板块
→ 机构资金最新配置方向

第 6 步 —— 地缘政治与事件日历：
→ 未来 90 天内可能影响市场的三大地缘政治风险
→ 未来 30 天关键事件：重要经济数据发布、美联储讲话、财报日期、政治事件
→ 哪个事件对我的股票/行业影响最大？

第 7 步 —— 战略结论：
→ 当前市场环境：Risk-On 还是 Risk-Off？
→ 对我的行业/股票而言，宏观环境是顺风还是逆风？
→ 现在应该防御、观望还是进攻？为什么？
→ 本月一个最关键的宏观数据点 —— 可能改变整体判断的变量

请使用清晰的分节标题呈现内容。为每一个数据点标注来源。明确标识哪些是预测，哪些是已确认数据。”

这就是每个对冲基金分析师每天早上收到的晨会简报。
现在，你也拥有它。

 

 

10 / 完整尽职调查报告（终极母提示）

一个提示词，覆盖全部。机构级研究框架：

“你是一名顶级投行（如 Goldman Sachs、Morgan Stanley、JPMorgan Chase）的高级股票研究分析师，正在发布对 [公司名称 / 股票代码] 的首次覆盖正式报告。

规则：
→ 每一个财务指标都必须标注来源和日期
→ 仅使用最新公开披露数据（SEC 文件、财报、公司演示材料）
→ 若数据不可获取，请写明 “Not publicly available”，不得估算
→ 所有前瞻性陈述与假设必须清晰标注为 [ASSUMPTION] 并说明依据
→ 使用结构化 Markdown 标题、表格和要点列表
→ 在撰写前逐步思考每个部分逻辑

SECTION 1 —— 执行摘要

→ 三句话投资逻辑：为什么现在要关注这只股票？
→ 总体评级：Strong Buy / Buy / Hold / Sell
→ 12 个月目标价及计算方法
→ 最大投资亮点 + 最大风险

SECTION 2 —— 业务概览

→ 用通俗语言解释公司业务
→ 按业务板块、产品与地区拆分收入（附百分比）
→ 商业模式：如何赚钱？什么驱动持续收入？
→ 竞争壁垒：为何难以被复制？

SECTION 3 —— 财务深度分析

→ 关键指标表格：最近 4 个季度及 TTM 的营收、净利润、EPS、利润率、自由现金流、债务
→ 所有关键指标同比增长率
→ 资产负债表健康度：现金、债务、流动比率、资产负债率
→ 现金流质量：经营现金流与净利润比率（若显著偏离需标记）
→ 资本配置：管理层如何使用资金？回购、分红、并购、研发？

SECTION 4 —— 增长分析

→ 总可触达市场（TAM）及来源
→ 当前市场份额及趋势
→ 未来 3–5 年关键增长驱动因素
→ 管理层指引 vs 分析师一致预期：谁更乐观？
→ 增长是内生驱动还是依赖并购？

SECTION 5 —— 估值分析

→ DCF 分析（所有假设必须标注并说明来源）
→ 可比公司估值表（至少 5 家同行）
→ 5 年历史估值区间（P/E 波动区间）
→ Bull / Base / Bear 三种情景目标价及假设
→ 当前股价相对每个目标价的上涨/下跌空间

SECTION 6 —— 风险分析

→ 前 5 大实质性风险（按概率与影响排序）
→ 每个风险：触发条件、潜在影响、监测指标
→ 做空比例与内部人交易数据（注明来源）
→ 会计质量风险（如存在）

SECTION 7 —— 催化剂时间表

→ 下一次财报日期
→ 即将发布的产品、监管决定或战略事件
→ 可能影响该股票的宏观事件
→ 未来 12 个月关键催化剂时间线

SECTION 8 —— 最终结论

→ Bull 情景：目标价、必要条件及概率估计
→ Base 情景：目标价及最可能结果（概率估计）
→ Bear 情景：目标价及潜在风险（概率估计）
→ 概率加权期望值目标价计算
→ 最终评级与信心等级：High / Medium / Low
→ 30 秒电梯演讲版投资陈述

最后附上完整数据来源列表。”

这正是 Morgan Stanley、JPMorgan Chase 和 Goldman Sachs 股票研究团队使用的报告结构。

而你，只用一个提示词就构建完成。赶紧转发分享收藏，感谢 美股投资网 TradesMax.com 分析团队整理

 

 

 

 

 

 

 

 

BREAKING: AI can now analyze any stock like a Wall Street analyst (for free). Here are 10 insane Grok prompts that replace $2,000/month Bloomberg terminals: (Save for later):

 

1/ The Complete Stock Breakdown

 

Stop Googling stock tickers and reading garbage articles. Use this:

 

"You are a senior equity research analyst at a top-tier investment bank with access to Bloomberg, FactSet, and SEC filings. Cite every metric with its source and date. If data is unavailable or potentially outdated, say so explicitly. Do not estimate or fabricate any numbers.

 

Give me a complete analysis of [STOCK TICKER / COMPANY NAME].

 

Step 1 — Company Overview:

→ What the company does in plain English

→ Business model and all revenue streams broken down by percentage of total revenue

→ Key competitive advantage in one sentence

 

Step 2 — Key Financials (cite source and date for every number):

→ Revenue (TTM and most recent quarter)

→ Net income and EPS

→ P/E ratio, forward P/E, P/S ratio, PEG ratio

→ Debt-to-equity ratio and total debt

→ Free cash flow (TTM)

→ Year-over-year comparison vs. same quarter last year

 

Step 3 — Stock Performance:

→ Price movement: 1 month, 3 months, 6 months, 1 year, YTD (with exact % change)

→ 52-week high and low

→ Performance vs. S&P 500 over the same periods

 

Step 4 — Wall Street Consensus:

→ Number of analysts covering this stock

→ Buy / Hold / Sell breakdown

→ Average, highest, and lowest price target

→ Most recent analyst upgrade or downgrade (with firm name and date)

 

Step 5 — Institutional Activity:

→ Top 5 institutional holders and their position changes last quarter

→ Any notable hedge fund activity (new positions or exits)

 

Format with clear markdown headers, tables where appropriate, and source citations after every metric. Flag any data that may be more than 30 days old."

 

In 30 seconds you'll know more than 95% of retail investors.

 

2/ The Financial Statement Deep Dive

 

Every hedge fund manager reads financial statements. Now you can too:

 

"You are a senior equity research analyst at a top-tier investment bank. Cite every financial metric with its exact source (SEC filing, earnings report, or financial database) and reporting date. Do not estimate any numbers. If a metric is unavailable, state that clearly instead of guessing.

 

Analyze the most recent financial statements for [COMPANY NAME / TICKER].

 

Step 1 — Income Statement Analysis:

→ Revenue for last 4 quarters with exact figures and YoY growth rates

→ Gross margin, operating margin, and net margin for each quarter

→ Trend direction: Are margins expanding, stable, or compressing? By how much?

→ R&D spend as a percentage of revenue (if applicable)

 

Step 2 — Balance Sheet Health:

→ Total assets vs. total liabilities

→ Current ratio and quick ratio

→ Cash and short-term investments on hand

→ Total debt and debt maturity schedule (when is debt due?)

→ Goodwill as a percentage of total assets (flag if >30%)

 

Step 3 — Cash Flow Reality Check:

→ Operating cash flow (TTM)

→ Capital expenditures (TTM)

→ Free cash flow (TTM) and FCF margin

→ How they're spending cash: buybacks, dividends, acquisitions, debt repayment, R&D

→ Is cash flow growing or declining vs. previous year?

 

Step 4 — Red Flags (check each one explicitly):

→ Revenue growing but cash flow declining? ⚠️

→ Debt growing faster than revenue? ⚠️

→ Accounts receivable growing faster than revenue? ⚠️

→ Inventory buildup without revenue growth? ⚠️

→ Frequent one-time charges or adjusted earnings that differ significantly from GAAP? ⚠️

→ Auditor changes or qualified opinions? ⚠️

 

Step 5 — Green Flags:

→ Improving margins quarter over quarter

→ Growing free cash flow

→ Decreasing debt or increasing cash reserves

→ Consistent GAAP and non-GAAP earnings alignment

 

Step 6 — Competitive Context:

→ Compare all key margins and ratios to the company's top 3 competitors in a table

 

End with a plain English summary: What story are these financials telling? Is this company getting healthier or weaker? Use a table format with clear column headers and cite the source of every number."

 

This is what analysts at Goldman Sachs do every morning. Now it takes you 60 seconds.

3/ The Earnings Report Analyzer

 

Earnings season is chaos. Cut through the noise instantly:

 

"You are a senior equity research analyst covering [SECTOR]. Cite every number with its source. Clearly distinguish between confirmed reported figures and forward-looking estimates. Do not fabricate any quotes or metrics.

 

Analyze the most recent earnings report for [COMPANY NAME / TICKER].

 

Step 1 — The Numbers:

→ Revenue: estimate vs. actual beat or miss, and by how much ($ and %)

→ EPS: estimate vs. actual beat or miss, and by how much

→ Were there any one-time items that inflated or deflated the numbers? What were adjusted vs. GAAP figures?

 

Step 2 — Forward Guidance:

→ Did management raise, lower, or maintain guidance?

→ Next quarter guidance: revenue range and EPS range

→ Full year guidance: any changes from previous quarter?

→ Exact language management used (optimistic, cautious, uncertain)

 

Step 3 — Business Segment Breakdown:

→ Performance by segment: which grew, which declined, by how much

→ Any new segments, product lines, or geographic markets highlighted

→ Segment that contributed most to the beat or miss

 

Step 4 — Management Commentary (cite from the actual earnings call transcript):

→ CEO's key message in 1-2 sentences

→ CFO's key message on financial outlook in 1-2 sentences

→ Any new strategic priorities, pivots, or risks mentioned

→ Tone assessment: Confident, cautious, defensive, or evasive?

 

Step 5 — Market & Analyst Reaction:

→ Stock price movement in after-hours and next trading day (with exact %)

→ Analysts who upgraded or downgraded post-earnings (firm name, old rating → new rating, new price target)

→ Key themes from analyst questions during the Q&A

 

Step 6 — The Verdict:

→ The single most important number in this report and why

→ Was this a genuinely good quarter or just optically good? Explain

→ What to watch for next quarter based on what management said

 

Format with clear markdown headers and source citations. Flag if the earnings call transcript is not yet available."

 

While everyone else panics during earnings, you'll have clarity in seconds.

 

4/ The Industry & Sector Comparison

 

Never analyze a stock in isolation. Compare it:

 

"You are a senior equity research analyst building a competitive landscape report. Cite every metric with its source and date. Use only the most recent reported figures. Do not estimate or interpolate missing data mark it as 'N/A not publicly reported' instead.

 

Compare [STOCK 1] vs [STOCK 2] vs [STOCK 3] in the [INDUSTRY/SECTOR] sector.

 

Step 1 Build a comparison table with these columns for each company:

→ Market cap

→ TTM Revenue and revenue growth rate (YoY)

→ Gross margin, operating margin, net margin

→ P/E, Forward P/E, P/S, EV/EBITDA, PEG ratio

→ Debt-to-equity ratio and net debt

→ Free cash flow and FCF yield

→ Key growth metric for this sector (e.g., subscribers, users, bookings, units sold)

 

Step 2 Competitive Positioning:

→ What is each company's core competitive moat?

→ Market share ranking (with source if available)

→ Which company is gaining share and which is losing?

 

Step 3 Risk Comparison:

→ Biggest single risk for each company in the next 12 months

→ Which company has the most debt risk?

→ Which company has the most competitive risk?

 

Step 4 The Ranking:

→ Best value (cheapest on key multiples relative to growth)

→ Highest growth potential (strongest revenue and earnings trajectory)

→ Safest pick (strongest balance sheet and most predictable business)

→ Overall winner and why make a clear recommendation

 

Format as a structured markdown table with all numbers sourced and dated. Flag any metric older than one quarter."

 

This is the exact framework institutional investors use to pick winners in a sector

 

5/ The Valuation Model Builder

 

"Is this stock overvalued or undervalued?" now you can actually answer that:

 

"You are a senior equity research analyst building a valuation model. Show every assumption transparently with its source and reasoning. Do not use made-up growth rates or discount rates. If you must assume a number, explain exactly why you chose it and what source supports it. Mark all assumptions clearly as [ASSUMPTION].

 

Build a valuation analysis for [COMPANY NAME / TICKER].

 

Step 1 Discounted Cash Flow (DCF):

→ Starting free cash flow (cite source most recent 10-K or 10-Q)

→ Revenue growth rate assumptions for Years 1-5 (source each: analyst consensus, company guidance, or historical trend)

→ FCF margin assumption (cite the historical average and any expected changes)

→ Terminal growth rate: state the rate and why (typically 2-3% justify your choice)

→ Discount rate (WACC): show the calculation with cost of equity, cost of debt, and capital structure (cite sources for beta, risk-free rate, equity risk premium)

→ Calculate implied share price from DCF

→ Sensitivity table: Show how the fair value changes across 3 different WACC rates × 3 different terminal growth rates

 

Step 2 Comparable Company Analysis:

→ Select 5 closest peers (justify why these are the right comps)

→ Compare current P/E, P/S, and EV/EBITDA multiples

→ Calculate what the stock would be worth if it traded at the peer average, peer median, and premium/discount

→ State whether the stock trades at a premium or discount to peers and why it might deserve to

 

Step 3 Historical Valuation:

→ Current P/E vs. the company's own 5-year average P/E

→ Is it trading above or below its historical range?

→ What caused previous peaks and troughs in valuation?

 

Step 4 Analyst Price Targets:

→ Highest, lowest, and median Wall Street targets (with firm names and dates)

→ How many analysts have updated targets in the last 90 days?

 

Step 5 Three Scenarios:

→ Bull case: Fair value if growth accelerates state exact assumptions

→ Base case: Fair value under consensus assumptions state them

→ Bear case: Fair value if growth slows or risks materialize — state assumptions

→ Current price vs. each scenario (show upside/downside %)

 

Final Verdict: Overvalued / Fairly Valued / Undervalued by how much, and with what confidence level (High/Medium/Low). Explain the single biggest variable that could change this verdict.

 

Format with clear headers, labeled tables, and every assumption sourced."

 

This is what $200/hr equity research analysts produce. Yours takes 60 seconds.

 

6/ The Dividend & Passive Income Analyzer

 

For investors who want stocks that pay them to hold:

 

"You are a senior equity research analyst specializing in income and dividend investing. Cite every metric with its source and date. Do not estimate yield or payout projections — use only reported figures and clearly stated assumptions.

 

Analyze [COMPANY NAME / TICKER] as a dividend investment.

 

Step 1 Current Dividend Profile:

→ Current annual dividend per share and dividend yield (as of today's price)

→ Dividend payment frequency (quarterly, monthly, semi-annual)

→ Ex-dividend date and next payment date

 

Step 2 Dividend Growth Track Record:

→ Dividend growth rate: 1-year, 3-year, 5-year, and 10-year CAGR

→ Number of consecutive years of dividend increases

→ Dividend Aristocrat (25+ years) or Dividend King (50+ years) status?

→ Largest dividend increase and any cuts/freezes in the last 20 years

 

Step 3 Sustainability Check:

→ Payout ratio (earnings-based): What % of earnings goes to dividends?

→ Cash flow payout ratio: What % of free cash flow goes to dividends?

→ Is the payout ratio stable, rising, or declining? Flag if above 75%

→ Debt-to-EBITDA: Could rising debt threaten the dividend?

→ Interest coverage ratio: Can they comfortably service debt AND pay dividends?

 

Step 4 Peer Comparison:

→ Compare yield, growth rate, payout ratio, and FCF coverage to the top 5 dividend stocks in the same sector (table format)

 

Step 5 Income Projection (show math transparently):

→ If I invest $10,000 today with dividend reinvestment (DRIP):

   → Projected annual dividend income in 5, 10, and 20 years

   → Assumption: use the 5-year average dividend growth rate (state the exact rate)

   → Show the math step by step

 

Step 6 Risk Assessment:

→ What specific scenarios could cause a dividend cut?

→ How close is the company to the danger zone on payout ratio and debt metrics?

→ Has management made any public commitment to the dividend?

 

Verdict: Strong Income Stock / Moderate Income Stock / Risky and explain why in 2-3 sentences. Cite all data sources."

 

Build a passive income portfolio using data, not YouTube gurus.

 

7/ The Risk & Red Flag Scanner

 

Every stock looks good until it doesn't. Find the risks before they find you:

 

"You are a senior risk analyst at a top investment bank conducting due diligence. Cite evidence for every flag you raise. Do not speculate — only flag risks that are supported by data, filings, or credible reporting. If a risk factor has no current evidence, mark it as 'No current concern — monitoring.'

 

Run a full risk analysis on [COMPANY NAME / TICKER].

 

Step 1 Financial Health Risks:

→ Is debt growing faster than revenue? (show both growth rates with source)

→ Is free cash flow declining? (show trend with numbers)

→ Are margins compressing? (show margin trend over 4+ quarters)

→ Cash runway: How many months/years of cash does the company have at the current burn rate?

→ Upcoming debt maturities: Any large repayments due in the next 24 months?

 

Step 2 Insider & Institutional Activity:

→ Net insider buying or selling in the last 6 months (cite SEC Form 4 data)

→ Any executive departures in the last 12 months? (CEO, CFO, or board members)

→ Major institutional position changes last quarter (cite 13F filings)

→ Short interest: Current % of float shorted and trend direction

 

Step 3 Business Concentration Risk:

→ Revenue concentration: Does any single product/service account for >40% of revenue?

→ Customer concentration: Does any single customer account for >10% of revenue? (check 10-K disclosures)

→ Geographic concentration: How dependent is revenue on one country or region?

 

Step 4 Competitive & Industry Threats:

→ Name the most dangerous competitor and why

→ Any disruptive technology or business model that threatens this company?

→ Is the company's market growing, flat, or shrinking?

 

Step 5: Regulatory & Legal Exposure:

→ Any active lawsuits, SEC investigations, or regulatory proceedings? (cite source)

→ Upcoming regulatory changes that could impact the business

→ Any history of fines, settlements, or compliance failures?

 

Step 6: Accounting Quality Check:

→ Gap between GAAP earnings and adjusted earnings how big is it?

→ Any recent changes in accounting methods or revenue recognition policies?

→ Auditor opinion: clean, qualified, or any going-concern flags?

→ Any financial restatements in the last 3 years?

 

Step 7: Macro Sensitivity:

→ Interest rate sensitivity (how much does this business depend on low rates?)

→ Recession vulnerability (what happened to this stock/sector in past recessions?)

→ Currency exposure (what % of revenue is international?)

 

Overall Risk Rating: Low / Medium / High with the top 3 reasons why.

 

Final answer: What is the single biggest reason you would NOT invest in this stock today?"

 

Warren Buffett's #1 rule: Don't lose money. This prompt helps you follow it.

 

8/ The ETF & Portfolio Analyzer

 

Don't just buy random stocks. Build a smart portfolio:

 

"You are a senior portfolio strategist at a top wealth management firm. Cite every data point with its source. Do not fabricate performance numbers or expense ratios. If historical backtesting data is unavailable, state that clearly.

 

Analyze this portfolio or ETF: [LIST YOUR HOLDINGS WITH APPROXIMATE ALLOCATION % / OR ETF TICKER].

 

Step 1 — Allocation Breakdown:

→ Sector allocation: What % is in each sector? Flag any sector above 30% as overconcentrated

→ Geographic exposure: Domestic vs. international split, with country-level breakdown for international

→ Market cap exposure: Large cap, mid cap, small cap percentages

→ Style exposure: Growth vs. value vs. blend

 

Step 2 — Holdings Analysis:

→ Top 10 holdings by weight across the entire portfolio

→ Overlap analysis: If holding multiple ETFs/funds, which stocks appear in more than one? Calculate total effective exposure to overlapping stocks

→ Single stock risk: Does any individual company represent more than 10% of the total portfolio?

 

Step 3 — Risk Metrics:

→ Portfolio beta (vs. S&P 500)

→ Historical volatility (annualized)

→ Maximum drawdown: worst peak-to-trough decline in the last 10 years (with dates)

→ Sharpe ratio: risk-adjusted returns

→ Correlation between holdings: are they actually diversified or moving together?

 

Step 4 — Cost Analysis:

→ Weighted average expense ratio across all holdings

→ Total annual cost in dollars on a $10K / $50K / $100K portfolio

→ Are there cheaper alternatives that provide similar exposure?

 

Step 5 — Income Analysis:

→ Blended dividend yield

→ Estimated annual income on a $10K / $50K / $100K investment

→ Dividend growth rate of the overall portfolio

 

Step 6 — Stress Testing:

→ How would this portfolio have performed during:

   → 2008 Financial Crisis

   → 2020 COVID Crash

   → 2022 Bear Market

→ What was the recovery time after each?

 

Step 7 — Optimization Recommendations:

→ 3 specific, actionable changes to improve diversification, reduce risk, or lower costs with exact tickers suggested

→ For each change: what it fixes and what the tradeoff is

 

Format with clear tables, cite all data, and flag any data older than one quarter."

 

This is what financial advisors charge $3,000/year to do. You just did it in one prompt.

 

9/ The Macro & Market Sentiment Scanner

 

Individual stocks don't move in a vacuum. Understand the big picture:

 

"You are a senior macro strategist at a top investment bank preparing the morning briefing. Cite every data point with its source and release date. Distinguish between confirmed data and market expectations/forecasts. Do not present predictions as facts.

 

Give me a current macro and market analysis relevant to [SECTOR / STOCK / PORTFOLIO].

 

Step 1 — Federal Reserve & Interest Rates:

→ Current federal funds rate

→ Date of the last Fed decision and what they did

→ Next 2 scheduled Fed meetings (dates)

→ CME FedWatch tool probability for next meeting (cite the current odds)

→ How rate changes specifically impact my sector/stock explain the mechanism

 

Step 2 — Inflation:

→ Latest CPI reading: headline and core (month and year-over-year, with release date)

→ Latest PCE reading (the Fed's preferred measure)

→ Trend: accelerating, stable, or decelerating vs. last 3 months

→ What this means for my sector/stock specifically

 

Step 3 — Economic Health:

→ Latest GDP growth rate (quarterly, annualized)

→ Unemployment rate and latest jobs report highlights

→ Consumer confidence (latest reading and trend)

→ Any recession indicators flashing: yield curve, leading economic index, manufacturing PMI

 

Step 4 — Market Internals:

→ S&P 500, Nasdaq, Dow current level and YTD performance

→ Market breadth: % of stocks above their 200-day moving average

→ VIX (fear index): current level and what it signals

→ Put/call ratio: leaning bullish or bearish?

→ Is the current rally/selloff broad-based or concentrated in a few names?

 

Step 5 — Sector Rotation:

→ Which sectors are seeing inflows right now? (cite recent fund flow data)

→ Which sectors are seeing outflows?

→ Where is the smart money positioning? (latest institutional flow data)

 

Step 6 — Geopolitical & Event Calendar:

→ Top 3 geopolitical risks that could move markets in the next 90 days

→ Key upcoming events in the next 30 days: economic data releases, Fed speeches, earnings dates, political events

→ Which event has the highest potential to move my specific stock/sector?

 

Step 7 — The Strategic Verdict:

→ Current market environment: Risk-On or Risk-Off?

→ For my specific sector/stock: tailwinds or headwinds from the macro setup?

→ Should I be defensive, neutral, or aggressive right now — and why?

→ One specific macro data point to watch this month that could change everything

 

Format with clear section headers. Cite every data point. Flag anything that is a forecast vs. confirmed data."

 

This is the morning briefing every hedge fund analyst gets. Now it's yours.

 

10/ The Complete Due Diligence Report (The Master Prompt)

 

One prompt to rule them all. Full institutional-grade research:

 

"You are a senior equity research analyst at a bulge bracket investment bank (Goldman Sachs, Morgan Stanley, JP Morgan) publishing a formal initiation of coverage report on [COMPANY NAME / TICKER].

 

RULES:

→ Cite the source and date for every financial metric

→ Use only the most recent publicly available data (SEC filings, earnings reports, company presentations)

→ If any data is unavailable, state 'Not publicly available' do not estimate

→ Clearly label all forward-looking statements and assumptions as [ASSUMPTION] with justification

→ Use structured markdown with headers, tables, and bullet points

→ Think step by step through each section before writing

 

SECTION 1 — Executive Summary:

→ Investment thesis in 3 sentences: Why should someone care about this stock right now?

→ Overall rating: Strong Buy / Buy / Hold / Sell

→ 12-month price target with the methodology used to calculate it

→ The single biggest reason to own this stock and the single biggest risk

 

SECTION 2 — Business Overview:

→ What the company does in plain English

→ Revenue breakdown by segment, product, and geography (with percentages)

→ Business model: How they make money and what drives repeat revenue

→ Competitive moat: What makes this company hard to replicate?

 

SECTION 3 — Financial Deep Dive:

→ Key metrics table: Revenue, net income, EPS, margins, FCF, debt last 4 quarters and TTM

→ Year-over-year growth rates for all key metrics

→ Balance sheet health: cash, debt, current ratio, debt-to-equity

→ Cash flow quality: operating cash flow vs. net income ratio (flag if significantly different)

→ Capital allocation: How is management spending money? Buybacks, dividends, M&A, R&D?

 

SECTION 4 — Growth Analysis:

→ Total addressable market (TAM) with source

→ Current market share and trajectory

→ Key growth drivers for the next 3-5 years

→ Management guidance vs. analyst consensus who is more bullish?

→ Is growth organic or acquisition-dependent?

 

SECTION 5 — Valuation:

→ DCF analysis with all assumptions clearly labeled and sourced

→ Comparable company analysis table (minimum 5 peers)

→ Historical valuation range (5-year P/E band)

→ Bull / Base / Bear price targets with assumptions for each

→ Current price vs. each target upside or downside %

 

SECTION 6 — Risk Analysis:

→ Top 5 material risks ranked by probability and impact

→ For each risk: what would trigger it, how bad it would be, and what to watch for

→ Short interest and insider activity data (cite source)

→ Accounting quality flags (if any)

 

SECTION 7 — Catalyst Calendar:

→ Next earnings date

→ Upcoming product launches, regulatory decisions, or strategic events

→ Macro events that specifically impact this stock

→ Timeline of potential catalysts over the next 12 months

 

SECTION 8 — The Verdict:

→ Bull case: Price target and what has to go right (with probability estimate)

→ Base case: Price target and most likely scenario (with probability estimate)

→ Bear case: Price target and what could go wrong (with probability estimate)

→ Expected value calculation: Probability-weighted price target across all three scenarios

→ Final recommendation with conviction level: High / Medium / Low

→ The 30-second elevator pitch: If you had one paragraph to pitch this stock to a portfolio manager, what would you say?

 

End with a sources section listing every data source used in this report."

 

This is the exact report format used by Morgan Stanley, JP Morgan, and Goldman Sachs equity research teams.

 

You just built one in 60 seconds.