Spreading financial statements is a vital practice in credit and risk analysis, where raw financial data from income statements, balance sheets, and cash flow statements are reformatted into a consistent, comparable structure. This process enables financial professionals to analyze trends, assess a company’s financial stability, and make informed lending or investment decisions. By spreading financial statements, analysts can quickly spot red flags, evaluate ratios, and benchmark performance across different periods or industries. In today’s fast-paced financial environment, leveraging software tools to automate the spreading process boosts accuracy and efficiency. Whether for banks, private equity firms, or credit departments, spreading financial statements is essential for gaining clear insights into a business’s financial health and long-term viability.