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Financial Health Scores

财务健康评分

Retrieve financial health scores including Altman Z-Score and Piotroski Score for public companies using Octagon MCP.
使用Octagon MCP获取上市公司的财务健康评分，包括Altman Z-Score和Piotroski Score。

Prerequisites

前置条件

Ensure Octagon MCP is configured in your AI agent (Cursor, Claude Desktop, Windsurf, etc.). See references/mcp-setup.md for installation instructions.
确保Octagon MCP已在你的AI Agent（Cursor、Claude Desktop、Windsurf等）中配置完成。安装说明请参阅references/mcp-setup.md。

Query Format

查询格式

Retrieve financial health scores for <TICKER>, including the Altman Z-Score and Piotroski Score.
MCP Call:
json
{
  "server": "octagon-mcp",
  "toolName": "octagon-agent",
  "arguments": {
    "prompt": "Retrieve financial health scores for TSLA, including the Altman Z-Score and Piotroski Score"
  }
}
Retrieve financial health scores for <TICKER>, including the Altman Z-Score and Piotroski Score.
MCP调用：
json
{
  "server": "octagon-mcp",
  "toolName": "octagon-agent",
  "arguments": {
    "prompt": "Retrieve financial health scores for TSLA, including the Altman Z-Score and Piotroski Score"
  }
}

Output Format

输出格式

The agent returns health scores with supporting metrics:
Altman Z-Score: 16.84 (calculated using working capital, total assets, retained earnings, EBIT, and market cap). A score above 3.0 indicates low bankruptcy risk.
Piotroski Score: 6 (out of a maximum 9). This score assesses profitability, leverage, liquidity, and operating efficiency.
Supporting Financial Metrics:
MetricValue (USD)
Working Capital36,928,000,000
Total Assets137,806,000,000
Retained Earnings39,003,000,000
EBIT5,616,000,000
Market Cap1,400,635,834,800
Total Liabilities54,941,000,000
Revenue94,827,000,000
Data Source: octagon-financials-agent
Agent会返回健康评分及配套指标：
Altman Z-Score: 16.84（计算依据为营运资金、总资产、留存收益、EBIT和市值）。评分高于3.0表示破产风险低。
Piotroski Score: 6（满分9分）。该评分用于评估盈利能力、杠杆水平、流动性和运营效率。
配套财务指标：
指标数值（美元）
营运资金36,928,000,000
总资产137,806,000,000
留存收益39,003,000,000
EBIT5,616,000,000
市值1,400,635,834,800
总负债54,941,000,000
营收94,827,000,000
数据来源： octagon-financials-agent

Altman Z-Score Interpretation

Altman Z-Score解读

The Altman Z-Score predicts bankruptcy probability:
Z-Score RangeInterpretation
> 3.0Safe Zone - Low bankruptcy risk
1.8 - 3.0Grey Zone - Moderate risk, needs monitoring
< 1.8Distress Zone - High bankruptcy risk
Altman Z-Score用于预测破产概率：
Z值区间解读
> 3.0安全区 - 破产风险低
1.8 - 3.0灰色区 - 风险中等，需持续监控
< 1.8困境区 - 破产风险高

Z-Score Formula

Z值计算公式

Z = 1.2(WC/TA) + 1.4(RE/TA) + 3.3(EBIT/TA) + 0.6(MC/TL) + 1.0(Rev/TA)
Where:
  • WC = Working Capital
  • TA = Total Assets
  • RE = Retained Earnings
  • EBIT = Earnings Before Interest and Taxes
  • MC = Market Cap
  • TL = Total Liabilities
  • Rev = Revenue
Z = 1.2(WC/TA) + 1.4(RE/TA) + 3.3(EBIT/TA) + 0.6(MC/TL) + 1.0(Rev/TA)
其中：
  • WC = 营运资金
  • TA = 总资产
  • RE = 留存收益
  • EBIT = 息税前利润
  • MC = 市值
  • TL = 总负债
  • Rev = 营收

Piotroski Score Interpretation

Piotroski Score解读

The Piotroski F-Score (0-9) assesses financial strength:
Score RangeInterpretation
8-9Strong - High quality value stock
5-7Moderate - Average financial health
0-4Weak - Poor financial health
Piotroski F值（0-9分）用于评估财务实力：
分数区间解读
8-9强劲 - 高质量价值股
5-7中等 - 财务健康水平一般
0-4疲软 - 财务健康状况不佳

Piotroski Components (9 criteria)

Piotroski指标构成（9项标准）

Profitability (4 points):
  1. Positive Net Income
  2. Positive Operating Cash Flow
  3. Return on Assets improvement
  4. OCF > Net Income (accruals quality)
Leverage/Liquidity (3 points): 5. Lower long-term debt ratio 6. Higher current ratio 7. No new share issuance
Operating Efficiency (2 points): 8. Higher gross margin 9. Higher asset turnover
盈利能力（4分）：
  1. 净利润为正
  2. 经营活动现金流为正
  3. 资产回报率有所提升
  4. 经营活动现金流 > 净利润（应计质量）
杠杆/流动性（3分）： 5. 长期负债率降低 6. 流动比率上升 7. 未发行新股
运营效率（2分）： 8. 毛利率提升 9. 资产周转率提高

Analysis Tips

分析技巧

Combined Assessment

综合评估

Use both scores together:
  • High Z-Score + High Piotroski = Financially healthy
  • High Z-Score + Low Piotroski = Watch operating trends
  • Low Z-Score + High Piotroski = Leverage concern
  • Low Z-Score + Low Piotroski = Avoid or deep value
结合两项评分使用：
  • 高Z值 + 高Piotroski分 = 财务状况健康
  • 高Z值 + 低Piotroski分 = 需关注运营趋势
  • 低Z值 + 高Piotroski分 = 存在杠杆担忧
  • 低Z值 + 低Piotroski分 = 规避或深度价值投资

Value Investing Application

价值投资应用

Piotroski Score designed for:
  • Screening high book-to-market stocks
  • Identifying quality within value
  • Avoiding value traps
Piotroski Score适用于：
  • 筛选高市净率股票
  • 在价值股中识别优质标的
  • 避免价值陷阱

Credit Analysis

信用分析

Z-Score useful for:
  • Bond investment decisions
  • Supplier credit assessment
  • Counterparty risk evaluation
Z值可用于：
  • 债券投资决策
  • 供应商信用评估
  • 交易对手风险评估

Sector Considerations

行业考量

Scores work best for:
  • Manufacturing companies (Z-Score original use)
  • Mature businesses with stable operations
  • Less reliable for: financials, early-stage, asset-light
评分在以下类型企业中适用性最佳：
  • 制造企业（Z值最初的适用场景）
  • 运营稳定的成熟企业
  • 对以下类型企业可靠性较低：金融机构、早期创业公司、轻资产企业

Follow-up Queries

后续查询建议

Based on results, suggest deeper analysis:
  • "What factors contributed to [COMPANY]'s Piotroski Score versus industry peers?"
  • "How does [COMPANY]'s Altman Z-Score compare to its historical averages?"
  • "Break down the individual components of [COMPANY]'s Piotroski Score"
  • "Compare [COMPANY]'s financial health scores to [PEER1] and [PEER2]"
根据结果，可进行更深入的分析：
  • "[公司名称]的Piotroski Score与行业同行相比，差异由哪些因素导致？"
  • "[公司名称]的Altman Z-Score与其历史平均值相比表现如何？"
  • "拆解[公司名称]Piotroski Score的各项构成指标"
  • "对比[公司名称]与[同行1]、[同行2]的财务健康评分"