feat(app): экраны импорта отчётов, целей, доходов, ребалансировки, налогов и бенчмарков

Импорт (/imports, /instruments/pending) и фаза 4 (/goals, /income,
/rebalance, /tax, аналитика-хаб с benchmarks_card) — по
docs/ai/import-contract.md и docs/ai/phase4-contract.md. file_picker для
загрузки отчёта.

app/lib/features/portfolio/benchmarks_card.dart

@@ -0,0 +1,183 @@
+import 'package:flutter/material.dart';
+import 'package:flutter_riverpod/flutter_riverpod.dart';
+
+import '../../core/api/api_client.dart';
+import '../../core/utils/ru_date.dart';
+import '../../core/widgets/async_value_view.dart';
+import '../../core/widgets/empty_state.dart';
+import 'data/benchmarks_api.dart';
+import 'labels.dart';
+import 'providers.dart';
+
+final benchmarksApiProvider =
+    Provider<BenchmarksApi>((ref) => BenchmarksApi(ref.watch(apiProvider).dio));
+
+/// Benchmark comparison for the current scope. Part of Портфель, not a screen of its own:
+/// «на сколько я обогнал индекс» is a property of the portfolio, not a separate subject.
+final benchmarkRowsProvider = FutureProvider.autoDispose<List<BenchmarkRow>>((ref) async {
+  final scope = ref.watch(scopeProvider);
+  return ref.watch(benchmarksApiProvider).compare(scope: scope);
+});
+
+/// The comparison block on Портфель.
+///
+/// Two things are always marked: a **price** index (no dividends — it understates the
+/// holder's result by construction) and any non-zero `days_skipped` on either side (the two
+/// returns then do not cover the same days, so the difference is not strictly like-for-like).
+class BenchmarksCard extends ConsumerWidget {
+  const BenchmarksCard({super.key});
+
+  @override
+  Widget build(BuildContext context, WidgetRef ref) {
+    final rows = ref.watch(benchmarkRowsProvider);
+
+    return AsyncValueView(
+      value: rows,
+      onRetry: () => ref.invalidate(benchmarkRowsProvider),
+      data: (data) => data.isEmpty
+          ? const EmptyState(
+              icon: Icons.compare_arrows,
+              message: 'Бенчмарки не настроены — сравнивать не с чем.',
+            )
+          : Column(
+              crossAxisAlignment: CrossAxisAlignment.start,
+              children: [
+                for (final row in data)
+                  Padding(
+                    padding: const EdgeInsets.only(bottom: 12),
+                    child: _PeriodBlock(row: row),
+                  ),
+              ],
+            ),
+    );
+  }
+}
+
+class _PeriodBlock extends StatelessWidget {
+  const _PeriodBlock({required this.row});
+
+  final BenchmarkRow row;
+
+  @override
+  Widget build(BuildContext context) {
+    final theme = Theme.of(context);
+    return Column(
+      crossAxisAlignment: CrossAxisAlignment.start,
+      children: [
+        Row(
+          children: [
+            Text(periodLabel(row.period), style: theme.textTheme.titleSmall),
+            const SizedBox(width: 8),
+            if (row.dateFrom != null && row.dateTo != null)
+              Text(
+                '${ruDate(row.dateFrom!)} – ${ruDate(row.dateTo!)}',
+                style: theme.textTheme.bodySmall?.copyWith(color: theme.hintColor),
+              ),
+            const Spacer(),
+            Text(
+              'портфель ${formatPercent(row.portfolioTwr)}',
+              style: theme.textTheme.titleSmall
+                  ?.copyWith(color: signColor(context, row.portfolioTwr)),
+            ),
+            if (row.portfolioDaysSkipped > 0) ...[
+              const SizedBox(width: 6),
+              _SkippedChip(days: row.portfolioDaysSkipped, side: 'портфеля'),
+            ],
+          ],
+        ),
+        const SizedBox(height: 6),
+        for (final b in row.benchmarks) _BenchmarkRowView(result: b),
+        if (row.hasSkippedDays)
+          Padding(
+            padding: const EdgeInsets.only(top: 6),
+            child: Text(
+              'Сетка дат не полностью совпадает: часть дней пропущена, '
+              'сравнение не строго like-for-like.',
+              style: theme.textTheme.bodySmall?.copyWith(color: theme.colorScheme.error),
+            ),
+          ),
+        const Divider(height: 20),
+      ],
+    );
+  }
+}
+
+class _BenchmarkRowView extends StatelessWidget {
+  const _BenchmarkRowView({required this.result});
+
+  final BenchmarkResult result;
+
+  @override
+  Widget build(BuildContext context) {
+    final theme = Theme.of(context);
+    return Padding(
+      padding: const EdgeInsets.symmetric(vertical: 3),
+      child: Row(
+        children: [
+          Text(result.code, style: theme.textTheme.bodyMedium),
+          const SizedBox(width: 6),
+          if (result.isPriceIndex) const _PriceIndexChip(),
+          if (result.daysSkipped > 0) ...[
+            const SizedBox(width: 6),
+            _SkippedChip(days: result.daysSkipped, side: 'бенчмарка'),
+          ],
+          const Spacer(),
+          Text(formatPercent(result.twr), style: theme.textTheme.bodyMedium),
+          const SizedBox(width: 16),
+          SizedBox(
+            width: 92,
+            child: Text(
+              formatPercent(result.excess),
+              textAlign: TextAlign.right,
+              style: theme.textTheme.bodyMedium
+                  ?.copyWith(color: signColor(context, result.excess)),
+            ),
+          ),
+        ],
+      ),
+    );
+  }
+}
+
+class _PriceIndexChip extends StatelessWidget {
+  const _PriceIndexChip();
+
+  @override
+  Widget build(BuildContext context) {
+    final scheme = Theme.of(context).colorScheme;
+    return Tooltip(
+      message: 'Ценовой индекс: не учитывает дивиденды и систематически занижает '
+          'результат держателя. Сравнение с ним — нижняя граница, а не эталон.',
+      child: Container(
+        padding: const EdgeInsets.symmetric(horizontal: 6, vertical: 1),
+        decoration: BoxDecoration(
+          color: scheme.errorContainer,
+          borderRadius: BorderRadius.circular(6),
+        ),
+        child: Text('ценовой индекс', style: Theme.of(context).textTheme.labelSmall),
+      ),
+    );
+  }
+}
+
+class _SkippedChip extends StatelessWidget {
+  const _SkippedChip({required this.days, required this.side});
+
+  final int days;
+  final String side;
+
+  @override
+  Widget build(BuildContext context) {
+    return Tooltip(
+      message: 'В расчёте $side пропущено $days дн. — в эти дни не было цены',
+      child: Row(
+        mainAxisSize: MainAxisSize.min,
+        children: [
+          const Icon(Icons.info_outline, size: 14),
+          const SizedBox(width: 2),
+          Text('$days дн.', style: Theme.of(context).textTheme.labelSmall),
+        ],
+      ),
+    );
+  }
+}

app/lib/features/portfolio/data/benchmarks_api.dart

@@ -0,0 +1,106 @@
+/// Hand-written client for `GET /api/v1/analytics/benchmarks`.
+///
+/// **Temporary.** The benchmark routes are not in `openapi/openapi.json` yet, so
+/// `app/packages/api_client` has no generated models or methods for them. Everything here
+/// follows `docs/ai/phase4-contract.md` §3 literally and is meant to be **replaced by the
+/// generated client** once the routes land in the spec and `just gen-client` runs.
+///
+/// Raw Dio comes from `ref.read(apiProvider).dio`.
+library;
+
+import 'package:dio/dio.dart';
+
+import '../../../core/utils/json.dart';
+
+/// One benchmark inside one period row.
+class BenchmarkResult {
+  const BenchmarkResult({
+    required this.benchmarkId,
+    required this.code,
+    required this.kind,
+    this.twr,
+    this.twrAnnualized,
+    this.daysSkipped = 0,
+    this.excess,
+  });
+
+  final int benchmarkId;
+  final String code;
+
+  /// `total_return | price`. A **price** index does not include dividends and therefore
+  /// systematically understates what a holder earned — comparing against it without saying
+  /// so is misleading, so the UI marks it.
+  final String kind;
+  final String? twr;
+  final String? twrAnnualized;
+  final int daysSkipped;
+
+  /// `portfolio_twr - twr`, as the server computed it.
+  final String? excess;
+
+  bool get isPriceIndex => kind == 'price';
+
+  static BenchmarkResult fromJson(Map<String, dynamic> json) => BenchmarkResult(
+        benchmarkId: asInt(json['benchmark_id']) ?? 0,
+        code: asString(json['code']) ?? '—',
+        kind: asString(json['kind']) ?? 'total_return',
+        twr: asString(json['twr']),
+        twrAnnualized: asString(json['twr_annualized']),
+        daysSkipped: asInt(json['days_skipped']) ?? 0,
+        excess: asString(json['excess']),
+      );
+}
+
+class BenchmarkRow {
+  const BenchmarkRow({
+    required this.period,
+    this.dateFrom,
+    this.dateTo,
+    this.portfolioTwr,
+    this.portfolioTwrAnnualized,
+    this.portfolioDaysSkipped = 0,
+    this.benchmarks = const [],
+  });
+
+  final String period;
+  final DateTime? dateFrom;
+  final DateTime? dateTo;
+  final String? portfolioTwr;
+  final String? portfolioTwrAnnualized;
+
+  /// Days the portfolio series had to skip. Non-zero on either side means the two returns
+  /// were not computed over the same set of days — not a like-for-like comparison.
+  final int portfolioDaysSkipped;
+  final List<BenchmarkResult> benchmarks;
+
+  bool get hasSkippedDays =>
+      portfolioDaysSkipped > 0 || benchmarks.any((b) => b.daysSkipped > 0);
+
+  static BenchmarkRow fromJson(Map<String, dynamic> json) => BenchmarkRow(
+        period: asString(json['period']) ?? 'all',
+        dateFrom: asDate(json['date_from']),
+        dateTo: asDate(json['date_to']),
+        portfolioTwr: asString(json['portfolio_twr']),
+        portfolioTwrAnnualized: asString(json['portfolio_twr_annualized']),
+        portfolioDaysSkipped: asInt(json['portfolio_days_skipped']) ?? 0,
+        benchmarks: asObjects(json['benchmarks']).map(BenchmarkResult.fromJson).toList(),
+      );
+}
+
+class BenchmarksApi {
+  const BenchmarksApi(this._dio);
+
+  final Dio _dio;
+
+  Future<List<BenchmarkRow>> compare({
+    String scope = 'all',
+    List<String> periods = const ['1m', 'ytd', '1y', 'all'],
+  }) async {
+    final r = await _dio.get<Map<String, dynamic>>(
+      '/api/v1/analytics/benchmarks',
+      // `period` is repeatable; Dio serialises a list as repeated query parameters.
+      queryParameters: {'scope': scope, 'period': periods},
+    );
+    return asObjects((r.data ?? const {})['rows']).map(BenchmarkRow.fromJson).toList();
+  }
+}

app/lib/features/portfolio/holdings_tab.dart

@@ -10,6 +10,7 @@ import '../../core/utils/ru_date.dart';
 import '../../core/widgets/async_value_view.dart';
 import '../../core/widgets/empty_state.dart';
 import '../../core/widgets/money_text.dart';
+import 'benchmarks_card.dart';
 import 'labels.dart';
 import 'providers.dart';
 
@@ -59,6 +60,11 @@ class HoldingsTab extends ConsumerWidget {
             ),
           ),
           const SizedBox(height: 16),
+          const _Card(
+            title: 'Сравнение с бенчмарками',
+            child: BenchmarksCard(),
+          ),
+          const SizedBox(height: 16),
           _Card(
             title: 'Позиции',
             child: AsyncValueView(

app/lib/features/portfolio/providers.dart

@@ -2,6 +2,7 @@ import 'package:fintracker_api/fintracker_api.dart';
 import 'package:flutter_riverpod/flutter_riverpod.dart';
 
 import '../../core/api/api_client.dart';
+import 'benchmarks_card.dart' show benchmarkRowsProvider;
 
 /// The reporting unit every portfolio screen is scoped to: `all`, `account:<id>` or
 /// `portfolio:<id>`. Held in one place so switching it on Позиции also switches Аллокация
@@ -67,4 +68,6 @@ void invalidatePortfolioProviders(WidgetRef ref) {
   ref.invalidate(allocationProvider);
   ref.invalidate(valueSeriesProvider);
   ref.invalidate(instrumentProvider);
+  // the benchmark block lives on Позиции and is scoped the same way
+  ref.invalidate(benchmarkRowsProvider);
 }