Extracting the numbers is half the job — the credit call lives in what they mean. Uptiq reads a borrower's balance sheet, income statement, and cash flows, then computes the full ratio suite, builds multi-year trends, and flags what's deteriorating, so your analysts start from insight, not a stack of statements.
The full ratio suite, multi-year trends, and red flags — extracted at 95%+ accuracy and traced to source.
Trusted by financial institutions across banking, lending & credit
Financial statement analysis is where credit insight comes from — yet under deal pressure it often collapses into a few ratios and a quick glance at the latest year.
A thorough read of a borrower's financials means computing liquidity, leverage, profitability, coverage, and efficiency ratios; comparing them across multiple years; running common-size statements; weighing statement quality; and spotting the trend that's quietly turning. Done by hand, that's hours — so under time pressure it gets compressed to the ratios that fit on the spread and the most recent period.
The cost is missed signal. A margin that's eroded three years running, working capital that's tightening, leverage creeping up — the kind of trend that changes a credit decision — is easy to miss when every deal is a rush and every analyst looks at statements a little differently.
Uptiq turns raw financial statements into a complete analysis: every ratio, multi-year trends, common-size views, statement-quality context, and automatic flags — at 95%+ accuracy with full lineage.
Balance sheet, income statement, and cash flow statement are extracted at 95%+ accuracy across every period and normalized for consistent comparison.
Liquidity, leverage, profitability, coverage, and efficiency ratios calculate from source values, alongside common-size statements.
Multiple periods are analyzed together to surface deteriorating margins, rising leverage, and working-capital erosion — flagged automatically.
Statement type and quality are recognized and surfaced, and the completed analysis lands in your template for the analyst to interpret.
The result: a deeper, consistent read on every borrower — contributing to 41% faster underwriting cycles and 3x more deals per analyst across 150+ financial institutions in production.
Every ratio category, computed across periods with direction and status, plus automatic red-flag and statement-quality context.
Deteriorating margins, rising leverage, and working-capital erosion are flagged across periods — not left to catch by eye under deadline.
Audited, reviewed, compiled, or internally prepared — the analysis carries that context so the numbers are weighed appropriately.
Illustrative analysis. Every ratio and trend is computed from figures extracted at 95%+ accuracy and traced to their source statement.
Liquidity, leverage, profitability, coverage, and efficiency ratios compute on every deal — no more trimming the analysis to fit the clock.
Multiple periods are analyzed together and common-sized, so the direction of the business is visible instead of a single-year snapshot.
Eroding margins, rising leverage, and tightening working capital are surfaced automatically — before they become a credit surprise.
The analysis recognizes whether statements are audited, reviewed, compiled, or internal, so the team weights the numbers with the right context.
Every figure and ratio traces to its source statement — examiner-ready, and verifiable in a click rather than taken on trust.
Analysis is produced in your format and delivered through 100+ native integrations. The agent layer sits above your stack.
Results represent aggregate outcomes across production deployments. Individual results may vary.
Balance sheet, income statement, and cash flow statement arrive for every period available.
Figures extract at 95%+ accuracy and the full ratio suite and common-size views calculate from source.
Periods are compared, adverse trends are flagged, and statement quality is assessed.
A scored, trended analysis lands in your template — ready for the analyst to interpret and act on.
150+ financial institutions run Uptiq's AI agents to analyze borrower financials faster and deeper. See it on your own statements.
Book a 30-minute session. We'll analyze your own borrower statements — full ratio suite, multi-year trends, and flags, traced to source.
See how Uptiq computes the full ratio suite, multi-year trends, and red flags on your own borrower statements.
Join ever-growing community of 500+ Financial Institutions who have harnessed the power of Uptiq Insights.
WeWork Futura, Magarpatta Rd, Kirtane Baugh, Magarpatta, Hadapsar, Pune, Maharashtra 411028
10900 Stonelake Blvd Bldg II Ste 100, Austin, Texas 78759.
© 2026 UPTIQ, Inc. All rights reserved.
