AI Stock Analysis Prompt Pack

Act as a senior equity research analyst. Perform a complete fundamental analysis of [STOCK NAME] ([TICKER], listed on [EXCHANGE]).

Use the most recent annual and quarterly results available. Cover:
1. Business overview: what the company sells, its main revenue segments, and where it earns its money (by country/region).
2. Valuation ratios: P/E, P/B, EV/EBITDA, price-to-sales and PEG. Compare each to the company's own 5-year average and to its sector average.
3. Profitability: gross, operating and net margins; return on equity (ROE); return on assets (ROA); return on invested capital (ROIC).
4. Balance sheet strength: debt-to-equity, current ratio, quick ratio, interest coverage, and how much debt matures in the next 2 years.
5. Cash flow quality: operating cash flow vs net income, free cash flow, and capital expenditure trend.
6. Per-share figures: EPS, book value per share, and free cash flow per share.
7. Intrinsic value: estimate a fair value range using at least two methods (e.g. discounted cash flow and peer multiples). State your key assumptions.

Present the ratios in a table. End with a verdict: undervalued, fairly valued or overvalued, with the 3 strongest reasons. State the date of the data you used, and flag any figure you could not verify.

Act as a financial analyst specialising in earnings quality. Analyse the revenue and profit trends of [STOCK NAME] ([TICKER], [EXCHANGE]) over the last 5 financial years and the last 4 quarters.

Include:
1. A table showing, for each year: revenue, gross profit, operating profit, net profit, EPS, and year-on-year growth % for each.
2. The 3-year and 5-year compound annual growth rate (CAGR) for revenue and net profit.
3. Margin trend: are gross, operating and net margins expanding, stable or shrinking? Explain why.
4. Drivers of growth: separate growth from higher volumes, price increases, acquisitions and currency effects. For Nigerian companies, show how much growth is due to naira depreciation or inflation rather than real volume growth.
5. Earnings quality: flag one-off gains, FX revaluation gains or losses, asset sales, or accounting changes that distort profit.
6. Quarterly momentum: is the latest quarter accelerating or slowing compared with the same quarter last year?
7. Management guidance and analyst consensus for the next 12 months, if available.

Conclude with a one-paragraph judgement: is this a business with consistent, high-quality growth, cyclical growth, or deteriorating performance?

Act as a dividend income specialist. Evaluate the dividend profile of [STOCK NAME] ([TICKER], [EXCHANGE]) for an income-focused investor.

Cover:
1. Current dividend per share, current share price, and trailing and forward dividend yield.
2. Dividend history for the last 10 years (or since listing): amount per year, interim vs final payments, and any cuts, suspensions or special dividends.
3. Dividend growth rate over 3, 5 and 10 years.
4. Payout ratio based on earnings and based on free cash flow. Is the dividend covered?
5. Balance sheet support: can the company keep paying if profits fall 30%?
6. Yield comparison: compare the yield with (a) the sector average, (b) the company's own 5-year average yield, and (c) the risk-free rate — Nigerian Treasury bill rate for NGX stocks, or the 10-year US Treasury yield for US stocks. Calculate the real yield after inflation.
7. Tax and payment details: withholding tax that applies to Nigerian residents and to Nigerians abroad, qualification (record) date, and payment date pattern.
8. Yield trap check: is the high yield caused by a falling share price or an unsustainable payout?

Give a dividend safety score from 1 (very unsafe) to 10 (very safe) and a dividend growth outlook for the next 3 years, with reasons.

Act as an industry analyst. Compare [STOCK NAME] ([TICKER], [EXCHANGE]) with the rest of its sector.

1. Identify the sector and sub-industry it belongs to on its exchange (e.g. NGX Banking, NGX Industrial Goods, NGX Consumer Goods, Oil & Gas; or the GICS sector for US stocks).
2. List the 5 to 8 largest listed companies in that sector.
3. Build a table comparing all of them on: market capitalisation, revenue growth, net margin, ROE, P/E, P/B, dividend yield, debt-to-equity, and 1-year share price return.
4. Rank [STOCK NAME] within the sector on each measure (e.g. 2nd of 7).
5. Describe the sector's current state: growth rate, regulation, pricing power, and the main forces affecting it over the next 12 months.
6. Compare the sector's performance with the overall market index (NGX All-Share Index for Nigerian stocks; S&P 500 or NASDAQ Composite for US stocks) over 1 and 3 years.

Conclude: is [STOCK NAME] a sector leader, an average performer or a laggard, and is the sector itself one to overweight, hold or underweight right now?

Act as a professional technical analyst. Analyse the price history of [STOCK NAME] ([TICKER], [EXCHANGE]) using daily and weekly data for the last 12 months.

Cover:
1. Primary trend (long term), secondary trend (medium term) and short-term trend: uptrend, downtrend or sideways.
2. Moving averages: price position relative to the 20-day, 50-day and 200-day moving averages, and any recent golden cross or death cross.
3. Momentum indicators: RSI (14), MACD and its signal line, and whether either shows overbought, oversold or divergence conditions.
4. Key levels: the 3 most important support levels and 3 most important resistance levels, with prices.
5. Volume analysis: is volume confirming or contradicting the price trend? Note any unusual volume spikes.
6. Chart patterns currently forming (e.g. breakout, double bottom, head and shoulders, consolidation range).
7. 52-week high and low, and how far the current price is from each.
8. Liquidity check: average daily traded volume and value. For NGX stocks, flag if thin trading makes technical signals less reliable, and note the daily price limit rules.

If you cannot access live price data, say so clearly and tell me what data to paste in. Finish with a technical outlook — bullish, neutral or bearish — for the next 1 to 3 months, and the price level that would prove that view wrong.

Act as a corporate governance analyst. Assess the quality of management and the board at [STOCK NAME] ([TICKER], [EXCHANGE]).

Evaluate:
1. Leadership team: the CEO, CFO and chairman — their tenure, background, and track record at this and previous companies.
2. Execution record: compare targets and guidance management set over the last 3 to 5 years with what they actually delivered.
3. Capital allocation: how they have used cash — dividends, buybacks, acquisitions, debt reduction, new projects — and whether those decisions created value (look at ROIC over time).
4. Ownership and alignment: insider and director shareholdings, recent insider buying or selling, and how executive pay is linked to performance.
5. Board independence: number of independent directors, separation of chairman and CEO roles, and audit committee quality.
6. Major shareholders: identify any controlling shareholder or parent company and the risk of decisions that favour them over minority shareholders.
7. Transparency: timeliness of financial results (for NGX stocks, note any late filings or regulatory sanctions from NGX or SEC Nigeria; for US stocks, any SEC enforcement or restatements), audit opinions, and quality of investor communication.
8. Red flags: related-party transactions, frequent auditor or CFO changes, lawsuits, or governance controversies.

Give a management quality score from 1 to 10 with the 3 biggest strengths and 3 biggest concerns.

Act as a Nigerian macroeconomic and equity strategist. Evaluate how the Nigerian economic environment affects [STOCK NAME] ([TICKER], NGX).

Use the latest available data and assess the company's exposure to each factor:
1. Exchange rate: impact of naira movements on revenue, costs, imported raw materials and foreign-currency debt. Is the company a net FX earner or a net FX spender?
2. Inflation: current headline and food inflation, and whether the company can pass rising costs on to customers.
3. Interest rates: the current CBN Monetary Policy Rate and Treasury bill yields, the effect on the company's borrowing costs, and whether fixed-income yields make the stock less attractive.
4. Oil price and government revenue: how crude oil prices and oil output affect the company directly or through the wider economy.
5. Fiscal and regulatory policy: recent tax changes, subsidy reforms, import or export restrictions, and sector-specific regulation (e.g. bank recapitalisation, telecom tariff approval, power sector reform).
6. Consumer demand: the effect of household purchasing power on the company's sales volumes.
7. Capital flows: foreign portfolio investor participation on the NGX and ease of FX repatriation.
8. Security, power and logistics costs that affect operations.

Rate each factor as Low, Medium or High risk in a table, with a one-line explanation. Then give an overall Nigerian macro risk rating and describe one best-case and one worst-case scenario for the next 12 months.

Act as a US macroeconomic and equity strategist. Evaluate how the current US and global economic environment affects [STOCK NAME] ([TICKER], [EXCHANGE]).

Use the latest available data and assess the company's exposure to each factor:
1. Interest rates: the current Federal Reserve policy rate and expected path, the 10-year Treasury yield, and the effect on the company's valuation and borrowing costs.
2. Inflation: latest CPI and PCE readings, input cost pressure, and the company's pricing power.
3. Economic growth: GDP trend, recession probability, and how cyclical the company's revenue is.
4. Labour market: unemployment and wage growth, and their effect on consumer spending and the company's labour costs.
5. US dollar strength: share of revenue earned outside the US and the currency translation impact.
6. Trade and tariffs: exposure to tariffs, supply chains in China or other countries, and export controls.
7. Regulation and politics: antitrust, sector-specific rules, tax policy changes, and election or policy uncertainty.
8. Market conditions: overall S&P 500 valuation, sector rotation, and market volatility (VIX).

Add a section for a Nigerian investor buying this stock: the effect of naira/dollar movements on returns measured in naira, and the 30% US withholding tax on dividends for non-US residents.

Rate each factor as Low, Medium or High risk in a table with a one-line explanation. Give an overall US macro risk rating and one best-case and one worst-case scenario for the next 12 months.

Act as a market sentiment analyst. Search for and analyse news and public information about [STOCK NAME] ([TICKER], [EXCHANGE]) from the last 90 days.

Sources to check: financial news outlets (for NGX stocks include BusinessDay, Nairametrics, Proshare and NGX corporate disclosures; for US stocks include Reuters, Bloomberg, CNBC and SEC filings such as 8-Ks), company press releases, analyst rating changes, and investor discussion where relevant.

Deliver:
1. A list of the 10 most important news items, each with the date, source, a one-line summary, and a sentiment tag: Positive, Neutral or Negative.
2. An overall sentiment score from -10 (very negative) to +10 (very positive).
3. Sentiment trend: is coverage getting better or worse over the 90 days?
4. Key themes: the 3 issues driving the conversation (e.g. earnings, regulation, leadership change, a deal, a lawsuit).
5. Analyst actions: recent upgrades, downgrades and price target changes.
6. Upcoming catalysts in the next 90 days: earnings date, AGM, dividend dates, product launches, regulatory decisions.
7. Gap check: is market sentiment ahead of or behind the company's actual fundamentals?

Include links to each source. Separate verified facts from rumours or opinion.

Act as a portfolio manager planning an entry into [STOCK NAME] ([TICKER], [EXCHANGE]). I want to know at what price and how to start a position.

Provide:
1. Current share price and the date of that price.
2. A fair value estimate (from fundamental methods) and the margin of safety at today's price.
3. Three entry zones:
   - Aggressive entry: price and reasoning.
   - Ideal entry: price and reasoning (e.g. near strong support or a target valuation multiple).
   - Deep value entry: price that would only be reached in a sell-off.
4. A staged buying plan: how to split the purchase (e.g. 3 tranches) across those zones, and over what time frame.
5. Timing factors: upcoming earnings, dividend qualification dates, and seasonal or index-rebalancing effects that may move the price.
6. A stop-loss or review level: the price at which my investment case is broken and I should reassess.
7. A first price target with the expected upside, and the reward-to-risk ratio.
8. Practical execution notes: for NGX stocks, liquidity, wide bid-ask spreads, and the daily price limits; for US stocks, using limit orders and the cost of converting naira to dollars.

State that this is analysis, not personal financial advice, and list the assumptions behind each price.

Act as a personal portfolio adviser. I am considering adding [STOCK NAME] ([TICKER], [EXCHANGE]) to my portfolio.

My current portfolio: [LIST YOUR HOLDINGS AND THE % EACH MAKES UP — or write "new portfolio"]
My goal: [GROWTH / INCOME / BALANCED]
My time horizon: [e.g. 1 year, 5 years, 10+ years]
My risk tolerance: [LOW / MEDIUM / HIGH]

Analyse:
1. Diversification: does this stock add exposure to a new sector, country or currency, or does it overlap with what I already own?
2. Concentration: after adding it, would any single stock, sector or currency (naira vs dollar) exceed a sensible limit? Suggest limits for my risk level.
3. Correlation: how closely the stock moves with my existing holdings and with the main market index.
4. Goal match: does its growth, dividend and volatility profile suit my stated goal and horizon?
5. Position size: recommend a starting allocation as a % of the portfolio, and a maximum allocation.
6. Trade-off: if I need cash to buy it, which current holding is the weakest candidate to trim, and why?
7. Currency balance: for a Nigerian investor, comment on the right mix of NGX and US assets as a hedge against naira depreciation.

Give a clear verdict: Strong fit, Acceptable fit or Poor fit, with reasons.

Act as a risk analyst. Produce a complete risk rating for [STOCK NAME] ([TICKER], [EXCHANGE]).

Score each risk category from 1 (very low risk) to 10 (very high risk), with a one-line reason:
1. Business risk: competition, product concentration, customer concentration, disruption.
2. Financial risk: debt levels, refinancing needs, cash flow stability, foreign-currency debt.
3. Valuation risk: how much the share price could fall if the market re-rates it to its historical or sector average.
4. Volatility risk: beta, standard deviation of returns, and the biggest drawdown in the last 5 years.
5. Liquidity risk: how easily I can buy or sell meaningful amounts without moving the price (critical for smaller NGX stocks).
6. Regulatory and legal risk: pending cases, licence renewals, price controls, sanctions.
7. Macroeconomic and currency risk: exposure to inflation, interest rates and exchange rates.
8. Governance risk: controlling shareholders, disclosure quality, related-party dealings.
9. Dividend risk: chance of a dividend cut.
10. Event risk: key-person dependence, M&A, delisting, or ESG controversies.

Present the scores in a table. Then give:
- A weighted overall risk score out of 10.
- An overall grade: Low, Moderate, Elevated, High or Very High.
- The type of investor this risk level suits.
- The single risk most likely to cause a major loss, and an early warning sign to watch for.

Act as a competitive strategy analyst. Compare [STOCK NAME] ([TICKER], [EXCHANGE]) with its 3 to 5 closest direct competitors. Include listed competitors on the same exchange, and where relevant, international or unlisted competitors that compete for the same customers.

For each company, compare:
1. Market share and position in the main markets they compete in.
2. Revenue, revenue growth, net margin, ROE and free cash flow.
3. Valuation: P/E, EV/EBITDA, dividend yield.
4. Competitive advantages (moat): brand, cost advantage, distribution network, scale, switching costs, licences, technology, network effects. Rate each company's moat as None, Narrow or Wide.
5. Strategic direction: expansion plans, new products, digital investment, acquisitions.
6. Key weaknesses or threats each faces.
7. Share price performance over 1, 3 and 5 years.

Present the financial comparison in one table. Then answer:
- Who is the strongest company in this group, and why?
- Is [STOCK NAME] gaining or losing ground against its rivals?
- Is there a competitor that looks like a better investment at today's prices? Explain.

Act as an equity analyst writing a 12-month forward outlook for [STOCK NAME] ([TICKER], [EXCHANGE]).

Build three scenarios — Bull case, Base case and Bear case. For each one provide:
1. The key assumptions (revenue growth, margins, macro conditions, sector events).
2. Projected revenue, net profit and EPS for the next 12 months.
3. The valuation multiple you expect the market to apply, and why.
4. A 12-month price target.
5. Expected dividend over the period.
6. Total expected return (price change plus dividends) from today's price.
7. The probability you assign to the scenario (the three must add up to 100%).

Then provide:
- A probability-weighted 12-month price target and expected total return.
- A comparison with the consensus analyst target, if available.
- A timeline of the main catalysts expected over the 12 months (earnings dates, dividend dates, policy decisions, product launches).
- For a Nigerian investor in a US stock, show the expected return in both dollars and naira under a stated naira exchange rate assumption.

State clearly that projections are estimates, and list the 3 assumptions that the outcome is most sensitive to.

Act as the chief investment officer of a research firm. Write a final investment recommendation for [STOCK NAME] ([TICKER], [EXCHANGE]).

If earlier analyses of this stock are in this chat, use them. If not, carry out a condensed version of each step before deciding.

Structure the summary as follows:
1. Recommendation: BUY, HOLD or SELL — stated in the first line, with a conviction level (Low, Medium, High).
2. Investment thesis: the case for the recommendation in 3 to 5 sentences.
3. Scorecard table, each scored 1–10 with a one-line reason: Fundamentals, Growth trend, Dividend quality, Valuation, Technical trend, Management quality, Macro environment, News sentiment, Competitive position, Risk level (10 = lowest risk).
4. Key numbers: current price, fair value estimate, 12-month price target, expected total return, dividend yield.
5. Top 3 reasons to own it, and top 3 risks.
6. Action plan:
   - If BUY: suggested entry zone, position size (% of portfolio), and stop-loss or review level.
   - If HOLD: what would make you upgrade to Buy or downgrade to Sell.
   - If SELL: whether to exit fully or trim, and a better alternative in the same sector.
7. Investor suitability: who this stock suits (income, growth, conservative, aggressive) and recommended holding period.
8. Review triggers: 3 specific events or price levels that should prompt me to re-run this analysis.

Keep it to one page, in plain English. End with: "This is analysis for educational purposes, not personal financial advice."