subMonths(6); // Use only business transactions for core metrics $transactions = Transaction::where('transaction_date', '>=', $lastSixMonths) ->where('is_personal', false) ->get(); $count = $transactions->count(); $monthlyAvgIncome = $count > 0 ? ($transactions->where('type', 'income')->sum('amount') / 6) : 0; $monthlyAvgExpense = $count > 0 ? ($transactions->where('type', 'expense')->sum('amount') / 6) : 0; $predictedBalance = $monthlyAvgIncome - $monthlyAvgExpense; // Pending items analysis $pendingIncome = Transaction::where('type', 'income')->where('status', 'pending')->sum('amount'); $pendingExpense = Transaction::where('type', 'expense')->where('status', 'pending')->sum('amount'); // Personal mix analysis $personalExpense = Transaction::where('is_personal', true) ->where('transaction_date', '>=', $lastSixMonths) ->sum('amount'); $recommendations = $this->generateDetailedRecommendations([ 'income' => $monthlyAvgIncome, 'expense' => $monthlyAvgExpense, 'pending_income' => $pendingIncome, 'pending_expense' => $pendingExpense, 'personal_expense' => $personalExpense, 'balance' => $predictedBalance ]); return CashFlowAnalysis::create([ 'analysis_date' => Carbon::now(), 'summary_data' => [ 'period_analyzed' => $lastSixMonths->format('Y-m') . ' to ' . Carbon::now()->format('Y-m'), 'predicted_balance' => $predictedBalance, 'avg_monthly_income' => $monthlyAvgIncome, 'avg_monthly_expense' => $monthlyAvgExpense, 'growth_rate' => $this->calculateGrowthRate(), 'risk_level' => $this->calculateRiskLevel($predictedBalance, $pendingExpense, $pendingIncome), 'personal_mix_ratio' => $monthlyAvgExpense > 0 ? ($personalExpense / ($monthlyAvgExpense * 6)) : 0 ], 'recommendations' => $recommendations, 'projections' => $this->getProjections() ]); } /** * Generate detailed recommendations based on financial management principles. */ private function generateDetailedRecommendations(array $data): string { $rec = []; // 1. Separation of accounts (Core management principle) if ($data['personal_expense'] > 0) { $rec[] = "⚠️ SEPARAÇÃO DE CONTAS: Identificamos gastos pessoais misturados aos da empresa. Recomenda-se que o empresário tenha um 'Pró-labore' fixo e nunca use o caixa da empresa para despesas pessoais."; } // 2. Operational Health if ($data['balance'] < 0) { $rec[] = "🔴 DÉFICIT OPERACIONAL: Suas despesas empresariais superam as receitas. Revise seus custos fixos e tente aumentar o volume de vendas ou reajustar preços."; } elseif ($data['balance'] < ($data['income'] * 0.15)) { $rec[] = "🟡 MARGEM ESTREITA: Seu saldo operacional está muito próximo de zero. Qualquer imprevisto pode gerar necessidade de capital de giro externo (empréstimos)."; } // 3. Accounts Payable vs Receivable if ($data['pending_expense'] > $data['pending_income']) { $gap = $data['pending_expense'] - $data['pending_income']; $rec[] = "📉 GAP DE CAIXA: Você tem R$ " . number_format($gap, 2, ',', '.') . " a mais em contas a pagar do que a receber nos próximos períodos. Antecipe recebíveis ou renegocie prazos com fornecedores."; } // 4. Working Capital Reserve $reserveNeeded = $data['expense'] * 3; // 3 months of reserve $rec[] = "🏦 RESERVA DE EMERGÊNCIA: Recomenda-se manter uma reserva de 3 a 6 meses de despesas. Sua meta de reserva deve ser de aproximadamente R$ " . number_format($reserveNeeded, 2, ',', '.') . "."; if (empty($rec)) { $rec[] = "✅ SAÚDE FINANCEIRA: Seu fluxo de caixa está equilibrado. Continue registrando todas as movimentações diariamente para manter a precisão das projeções."; } return implode("\n\n", $rec); } /** * Calculate risk level. */ private function calculateRiskLevel(float $balance, float $pendingExp, float $pendingInc): string { if ($balance < 0 || ($pendingExp > $pendingInc * 1.5)) { return 'High'; } if ($balance < 500 || $pendingExp > $pendingInc) { return 'Medium'; } return 'Low'; } /** * Calculate growth rate based on last two months. * * @return float */ /** * Calculate growth rate based on last two months. * * @return float */ private function calculateGrowthRate(): float { $currentMonth = Carbon::now()->startOfMonth(); $lastMonth = Carbon::now()->subMonth()->startOfMonth(); $currentIncome = Transaction::where('type', 'income') ->whereBetween('transaction_date', [$currentMonth, Carbon::now()]) ->sum('amount'); $lastMonthIncome = Transaction::where('type', 'income') ->whereBetween('transaction_date', [$lastMonth, $currentMonth->subDay()]) ->sum('amount'); if ($lastMonthIncome == 0) { return 0; } return (($currentIncome - $lastMonthIncome) / $lastMonthIncome) * 100; } /** * getProjections - Generate basic future projections for the analysis * * @return array */ private function getProjections(): array { $lastSixMonths = Carbon::now()->subMonths(6); $transactions = Transaction::where('transaction_date', '>=', $lastSixMonths) ->where('is_personal', false) ->get(); $monthlyAvgIncome = $transactions->where('type', 'income')->sum('amount') / 6; $monthlyAvgExpense = $transactions->where('type', 'expense')->sum('amount') / 6; $projections = []; for ($i = 1; $i <= 3; $i++) { $month = Carbon::now()->addMonths($i)->format('Y-m'); $projections[] = [ 'month' => $month, 'predicted_income' => round($monthlyAvgIncome, 2), 'predicted_expense' => round($monthlyAvgExpense, 2), 'predicted_balance' => round($monthlyAvgIncome - $monthlyAvgExpense, 2) ]; } return $projections; } }