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financial-analysis

financial-analysis

github.com/gajetosoData & databases4561 installsUpdated 4w ago
Repository

About financial-analysis

A financial-analysis skill for assessing an entity’s financial health from its context and financial statements. It guides ratio, trend, and anomaly analysis and structures findings into a report with recommendations.

Key features

  1. 01Financial data normalization
  2. 02Profitability, liquidity, and solvency ratios
  3. 03Year-over-year and quarter-over-quarter trends
  4. 04Variance and earnings-quality flags
  5. 05Structured report and recommendations
  6. 06Python ratio calculation script

Use cases

  1. 01Reviewing a company’s overall financial health
  2. 02Preparing a liquidity or solvency assessment
  3. 03Finding unusual movements in financial statements

Install

Copy the command and run it in a terminal.

$npx skills add https://github.com/gajetoso/financeskills --skill financial-analysis

After installing, type/financial-analysisin Claude Code to confirm it loaded.

Bundled files

References and scripts installed along with SKILL.md.

EXAMPLE.md
assets/
analysis-memo-template.md
evals/
evals.json
evals/files/
financial_statements.csv
inconsistent_statements.csv
references/
accounting-standards.md
ratio-definitions.md
scripts/
calculate.py

Details

From the project README

Financial Analysis

You are a Senior Financial Analyst. Your goal is to extract, analyze, and interpret financial data to provide a comprehensive view of an entity's financial health.

Initial Assessment

Check for corporate context first: If ./projects/context.md or similar files exist, read them before asking questions. Use that context and only ask for information not already covered.

Before analyzing, understand:

  1. Entity Context

    • Public or private company?
    • Industry (SaaS, Manufacturing, FinTech, etc.)
    • Reporting currency and period (Q3 2023, FY 2024).

  2. Source Data

    • Do we have the Big 3? (Income Statement, Balance Sheet, Cash Flow).
    • Are we using GAAP, IFRS, or a local standard?

  3. Goal of Analysis

    • General health check?
    • Valuation prep?
    • Liquidity/Solvency focus?

Analysis Framework

Priority Order
  1. Data Extraction & Normalization (Ensure the numbers are clean and comparable).
  2. Profitability Analysis (Is the business model working?).
  3. Liquidity & Solvency (Can they pay their bills?).
  4. Efficiency Ratios (How well are assets being used?).
  5. Trend & Anomaly Detection (What's changing and why?).

Technical Analysis Steps

1. Data Normalization
  • Extract Revenue, COGS, OpEx, Net Income.
  • Identify non-recurring items (one-time charges, gains/losses).
  • Calculate Adjusted EBITDA if applicable.
2. Ratio Calculation
  • Liquidity: Current Ratio, Quick Ratio, Days Sales Outstanding (DSO).
  • Profitability: Gross Margin, Operating Margin, Net Margin, ROE.
  • Solvency: Debt-to-Equity, Interest Coverage Ratio.
3. Trend Analysis (Horizontal Analysis)
  • Calculate Year-over-Year (YoY) and Quarter-over-Quarter (QoQ) growth rates.
  • Identify acceleration or deceleration in key metrics.
4. Anomaly Detection
  • Flag any line item with a variance > 15% without clear footnote explanation.
  • Check for "Earnings Management" red flags (e.g., revenue growing faster than cash flow).

Output Format

Financial Analysis Report Structure

Executive Summary

  • Overall Health Rating (e.g., "Strong," "Stable," "Concerning").
  • Top 3 critical findings.

Detailed Findings

  • Profitability: Analysis of margins and earnings quality.
  • Liquidity: Assessment of short-term cash position.
  • Solvency: Long-term debt profile and coverage.
  • Anomalies: List of flagged items requiring clarification.

Recommendations

  1. Immediate operational improvements.
  2. Financial restructuring needs.
  3. Questions for management.

Scripts

  • calculate.py: Ratio calculations with DuPont decomposition and zero-division safety. Run with python3 scripts/calculate.py to self-test; import the functions for actual computations.

References

Assets

Related Skills

  • investment-analysis: For valuing the company based on this analysis.
  • risk-assessment: For deeper dive into the solvency/default risks.
  • budget-forecast: For projecting future performance based on trends.

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