[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"skill:01M745ACTBKK4QH5CD69SZRFQ7":3,"skill-same:01M745ACTBKK4QH5CD69SZRFQ7":85},{"skillNo":4,"name":5,"nameZh":6,"description":7,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":16,"categories":17,"keywords":18,"publishedAt":19,"linkOnly":20,"markdownContent":21,"markdownBody":22,"frontMatter":23,"refName":26,"commitSha":27,"skillDirectory":28,"forksCount":29,"repositoryHtmlUrl":30,"repositoryHomepageUrl":6,"ownerHtmlUrl":31,"ownerBlogUrl":6,"ownerDescription":6,"updatedAt":32,"install":33,"resources":46},"01M745ACTBKK4QH5CD69SZRFQ7","financial-analysis",null,"When the user wants to perform a deep dive into a company's financial performance. Also use when the user mentions \"10-K review,\" \"quarterly earnings,\" \"profitability audit,\" \"ratio analysis,\" \"balance sheet health,\" \"cash flow analysis,\" \"EBITDA margin,\" \"financial statement audit,\" \"how is this company doing,\" or \"analyze these financials.\" Use this even if the user just says \"look at these numbers\" — start with a structured analysis.","GAJETOso\u002Ffinanceskills","GAJETOso","https:\u002F\u002Favatars.githubusercontent.com\u002Fu\u002F111002359?v=4","01M7457XX3JYD36JJBKJ145ECV","Oso Ayotunde","01M7457XY506ZF494GFQMGRTQ6",47,"MIT","https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Ffinancial-analysis\u002FSKILL.md",[],[],"2026-11-11 10:02:32",false,"---\nname: financial-analysis\ndescription: When the user wants to perform a deep dive into a company's financial performance. Also use when the user mentions \"10-K review,\" \"quarterly earnings,\" \"profitability audit,\" \"ratio analysis,\" \"balance sheet health,\" \"cash flow analysis,\" \"EBITDA margin,\" \"financial statement audit,\" \"how is this company doing,\" or \"analyze these financials.\" Use this even if the user just says \"look at these numbers\" — start with a structured analysis.\nmetadata:\n  version: 1.2.0\n---\n\n# Financial Analysis\n\nYou 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.\n\n## Initial Assessment\n\n**Check for corporate context first:**\nIf `.\u002Fprojects\u002Fcontext.md` or similar files exist, read them before asking questions. Use that context and only ask for information not already covered.\n\nBefore analyzing, understand:\n\n1. **Entity Context**\n   - Public or private company?\n   - Industry (SaaS, Manufacturing, FinTech, etc.)\n   - Reporting currency and period (Q3 2023, FY 2024).\n\n2. **Source Data**\n   - Do we have the Big 3? (Income Statement, Balance Sheet, Cash Flow).\n   - Are we using GAAP, IFRS, or a local standard?\n\n3. **Goal of Analysis**\n   - General health check?\n   - Valuation prep?\n   - Liquidity\u002FSolvency focus?\n\n---\n\n## Analysis Framework\n\n### Priority Order\n1. **Data Extraction & Normalization** (Ensure the numbers are clean and comparable).\n2. **Profitability Analysis** (Is the business model working?).\n3. **Liquidity & Solvency** (Can they pay their bills?).\n4. **Efficiency Ratios** (How well are assets being used?).\n5. **Trend & Anomaly Detection** (What's changing and why?).\n\n---\n\n## Technical Analysis Steps\n\n### 1. Data Normalization\n- Extract Revenue, COGS, OpEx, Net Income.\n- Identify non-recurring items (one-time charges, gains\u002Flosses).\n- Calculate Adjusted EBITDA if applicable.\n\n### 2. Ratio Calculation\n- **Liquidity**: Current Ratio, Quick Ratio, Days Sales Outstanding (DSO).\n- **Profitability**: Gross Margin, Operating Margin, Net Margin, ROE.\n- **Solvency**: Debt-to-Equity, Interest Coverage Ratio.\n\n### 3. Trend Analysis (Horizontal Analysis)\n- Calculate Year-over-Year (YoY) and Quarter-over-Quarter (QoQ) growth rates.\n- Identify acceleration or deceleration in key metrics.\n\n### 4. Anomaly Detection\n- Flag any line item with a variance > 15% without clear footnote explanation.\n- Check for \"Earnings Management\" red flags (e.g., revenue growing faster than cash flow).\n\n---\n\n## Output Format\n\n### Financial Analysis Report Structure\n\n**Executive Summary**\n- Overall Health Rating (e.g., \"Strong,\" \"Stable,\" \"Concerning\").\n- Top 3 critical findings.\n\n**Detailed Findings**\n- **Profitability**: Analysis of margins and earnings quality.\n- **Liquidity**: Assessment of short-term cash position.\n- **Solvency**: Long-term debt profile and coverage.\n- **Anomalies**: List of flagged items requiring clarification.\n\n**Recommendations**\n1. Immediate operational improvements.\n2. Financial restructuring needs.\n3. Questions for management.\n\n---\n\n## Scripts\n- [calculate.py](.\u002Fscripts\u002Fcalculate.py): Ratio calculations with DuPont decomposition and zero-division safety. Run with `python3 scripts\u002Fcalculate.py` to self-test; import the functions for actual computations.\n\n---\n\n## References\n- [Ratio Definitions](.\u002Freferences\u002Fratio-definitions.md): Standard formulas used in this skill.\n- [IFRS vs GAAP](.\u002Freferences\u002Faccounting-standards.md): Key differences affecting analysis.\n\n---\n\n## Assets\n- [analysis-memo-template.md](.\u002Fassets\u002Fanalysis-memo-template.md): Standard memo structure for the final output.\n\n---\n\n## Related Skills\n- **investment-analysis**: For valuing the company based on this analysis.\n- **risk-assessment**: For deeper dive into the solvency\u002Fdefault risks.\n- **budget-forecast**: For projecting future performance based on trends.\n","# Financial Analysis\n\nYou 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.\n\n## Initial Assessment\n\n**Check for corporate context first:**\nIf `.\u002Fprojects\u002Fcontext.md` or similar files exist, read them before asking questions. Use that context and only ask for information not already covered.\n\nBefore analyzing, understand:\n\n1. **Entity Context**\n   - Public or private company?\n   - Industry (SaaS, Manufacturing, FinTech, etc.)\n   - Reporting currency and period (Q3 2023, FY 2024).\n\n2. **Source Data**\n   - Do we have the Big 3? (Income Statement, Balance Sheet, Cash Flow).\n   - Are we using GAAP, IFRS, or a local standard?\n\n3. **Goal of Analysis**\n   - General health check?\n   - Valuation prep?\n   - Liquidity\u002FSolvency focus?\n\n---\n\n## Analysis Framework\n\n### Priority Order\n1. **Data Extraction & Normalization** (Ensure the numbers are clean and comparable).\n2. **Profitability Analysis** (Is the business model working?).\n3. **Liquidity & Solvency** (Can they pay their bills?).\n4. **Efficiency Ratios** (How well are assets being used?).\n5. **Trend & Anomaly Detection** (What's changing and why?).\n\n---\n\n## Technical Analysis Steps\n\n### 1. Data Normalization\n- Extract Revenue, COGS, OpEx, Net Income.\n- Identify non-recurring items (one-time charges, gains\u002Flosses).\n- Calculate Adjusted EBITDA if applicable.\n\n### 2. Ratio Calculation\n- **Liquidity**: Current Ratio, Quick Ratio, Days Sales Outstanding (DSO).\n- **Profitability**: Gross Margin, Operating Margin, Net Margin, ROE.\n- **Solvency**: Debt-to-Equity, Interest Coverage Ratio.\n\n### 3. Trend Analysis (Horizontal Analysis)\n- Calculate Year-over-Year (YoY) and Quarter-over-Quarter (QoQ) growth rates.\n- Identify acceleration or deceleration in key metrics.\n\n### 4. Anomaly Detection\n- Flag any line item with a variance > 15% without clear footnote explanation.\n- Check for \"Earnings Management\" red flags (e.g., revenue growing faster than cash flow).\n\n---\n\n## Output Format\n\n### Financial Analysis Report Structure\n\n**Executive Summary**\n- Overall Health Rating (e.g., \"Strong,\" \"Stable,\" \"Concerning\").\n- Top 3 critical findings.\n\n**Detailed Findings**\n- **Profitability**: Analysis of margins and earnings quality.\n- **Liquidity**: Assessment of short-term cash position.\n- **Solvency**: Long-term debt profile and coverage.\n- **Anomalies**: List of flagged items requiring clarification.\n\n**Recommendations**\n1. Immediate operational improvements.\n2. Financial restructuring needs.\n3. Questions for management.\n\n---\n\n## Scripts\n- [calculate.py](.\u002Fscripts\u002Fcalculate.py): Ratio calculations with DuPont decomposition and zero-division safety. Run with `python3 scripts\u002Fcalculate.py` to self-test; import the functions for actual computations.\n\n---\n\n## References\n- [Ratio Definitions](.\u002Freferences\u002Fratio-definitions.md): Standard formulas used in this skill.\n- [IFRS vs GAAP](.\u002Freferences\u002Faccounting-standards.md): Key differences affecting analysis.\n\n---\n\n## Assets\n- [analysis-memo-template.md](.\u002Fassets\u002Fanalysis-memo-template.md): Standard memo structure for the final output.\n\n---\n\n## Related Skills\n- **investment-analysis**: For valuing the company based on this analysis.\n- **risk-assessment**: For deeper dive into the solvency\u002Fdefault risks.\n- **budget-forecast**: For projecting future performance based on trends.\n",{"name":5,"metadata":24,"description":7},{"version":25},"1.2.0","main","8f8582432b3a9759e7100ce15533d2367c5566a4","skills\u002Ffinancial-analysis",14,"https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills","https:\u002F\u002Fgithub.com\u002FGAJETOso","2026-11-01 19:06:28",{"source":8,"skillName":5,"commands":34,"prompt":44,"zipAvailable":45},[35,38,41],{"tool":36,"command":37},"npx","npx skills add GAJETOso\u002Ffinanceskills --skill financial-analysis",{"tool":39,"command":40},"bunx","bunx skills add GAJETOso\u002Ffinanceskills --skill financial-analysis",{"tool":42,"command":43},"pnpm","pnpm dlx skills add GAJETOso\u002Ffinanceskills --skill financial-analysis","安装技能，技能地址：https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Ffinancial-analysis\u002FSKILL.md",true,[47,53,59,63,67,71,75,79],{"path":48,"resourceType":49,"resourceTypeDesc":50,"sizeBytes":51,"sourceHtmlUrl":52},"assets\u002Fanalysis-memo-template.md","ASSET","资产文件",1019,"https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Ffinancial-analysis\u002Fassets\u002Fanalysis-memo-template.md",{"path":54,"resourceType":55,"resourceTypeDesc":56,"sizeBytes":57,"sourceHtmlUrl":58},"evals\u002Fevals.json","REFERENCE","参考文档",5274,"https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Ffinancial-analysis\u002Fevals\u002Fevals.json",{"path":60,"resourceType":49,"resourceTypeDesc":50,"sizeBytes":61,"sourceHtmlUrl":62},"evals\u002Ffiles\u002Ffinancial_statements.csv",518,"https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Ffinancial-analysis\u002Fevals\u002Ffiles\u002Ffinancial_statements.csv",{"path":64,"resourceType":49,"resourceTypeDesc":50,"sizeBytes":65,"sourceHtmlUrl":66},"evals\u002Ffiles\u002Finconsistent_statements.csv",216,"https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Ffinancial-analysis\u002Fevals\u002Ffiles\u002Finconsistent_statements.csv",{"path":68,"resourceType":55,"resourceTypeDesc":56,"sizeBytes":69,"sourceHtmlUrl":70},"EXAMPLE.md",1401,"https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Ffinancial-analysis\u002FEXAMPLE.md",{"path":72,"resourceType":55,"resourceTypeDesc":56,"sizeBytes":73,"sourceHtmlUrl":74},"references\u002Faccounting-standards.md",2123,"https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Ffinancial-analysis\u002Freferences\u002Faccounting-standards.md",{"path":76,"resourceType":55,"resourceTypeDesc":56,"sizeBytes":77,"sourceHtmlUrl":78},"references\u002Fratio-definitions.md",800,"https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Ffinancial-analysis\u002Freferences\u002Fratio-definitions.md",{"path":80,"resourceType":81,"resourceTypeDesc":82,"sizeBytes":83,"sourceHtmlUrl":84},"scripts\u002Fcalculate.py","SCRIPT","脚本",2110,"https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Ffinancial-analysis\u002Fscripts\u002Fcalculate.py",[86,93,100,107,114,121],{"skillNo":87,"name":88,"nameZh":6,"description":89,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":90,"categories":91,"keywords":92,"publishedAt":19},"01M745DSK21QQTSYM6WRABKEGG","working-capital-analysis","When the user wants to analyze or optimize working capital — receivables, payables, inventory, and the cash conversion cycle. Also use when the user mentions \"DSO,\" \"DPO,\" \"DIO,\" \"cash conversion cycle,\" \"cash tied up,\" \"AR aging,\" \"payment terms,\" \"working capital peg,\" or \"free up cash.\"","https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Fworking-capital-analysis\u002FSKILL.md",[],[],{"skillNo":94,"name":95,"nameZh":6,"description":96,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":97,"categories":98,"keywords":99,"publishedAt":19},"01M745DN4XR2ZSXTJEFTJEWEYT","wacc-computation","When the user wants to calculate the Weighted Average Cost of Capital (WACC) for valuation or capital budgeting. Also use when the user mentions \"cost of equity,\" \"cost of debt,\" \"CAPM,\" \"beta unlevering,\" \"risk-free rate,\" or \"equity risk premium.\"","https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Fwacc-computation\u002FSKILL.md",[],[],{"skillNo":101,"name":102,"nameZh":6,"description":103,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":104,"categories":105,"keywords":106,"publishedAt":19},"01M745DHXNRN2ZRQW1V3KHVQ37","venture-debt","When the user wants to evaluate or structure debt for high-growth, venture-backed startups. Also use when the user mentions \"startup loan,\" \"warrants,\" \"venture lending,\" \"debt covenants for tech,\" \"non-dilutive funding,\" or \"growth capital debt.\"","https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Fventure-debt\u002FSKILL.md",[],[],{"skillNo":108,"name":109,"nameZh":6,"description":110,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":111,"categories":112,"keywords":113,"publishedAt":19},"01M745DFB95MJWYSA60ZB7S9Q2","variance-analysis","When the user wants to analyze the difference between actual and standard costs in manufacturing. Also use when the user mentions \"material price variance,\" \"labor efficiency,\" \"overhead variance,\" \"standard costing,\" or \"production audit.\"","https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Fvariance-analysis\u002FSKILL.md",[],[],{"skillNo":115,"name":116,"nameZh":6,"description":117,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":118,"categories":119,"keywords":120,"publishedAt":19},"01M745DB7245Z297EJW8T7PZVJ","treasury-management","When the user wants to manage corporate liquidity, investments, or financial risks like FX and interest rates. Also use when the user mentions \"cash positioning,\" \"foreign exchange risk,\" \"interest rate hedging,\" \"corporate investment policy,\" \"liquidity planning,\" or \"managing bank relationships.\"","https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Ftreasury-management\u002FSKILL.md",[],[],{"skillNo":122,"name":123,"nameZh":6,"description":124,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":125,"categories":126,"keywords":127,"publishedAt":19},"01M745D86PF5X0K6K30DP3P0VP","three-statement-modeling","When the user wants to build an integrated financial model linking income statement, balance sheet, and cash flow. Also use when the user mentions \"3-statement model,\" \"integrated model,\" \"balance sheet doesn't balance,\" \"circular reference,\" \"revolver plug,\" \"model drivers,\" or \"financial projections.\"","https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Fthree-statement-modeling\u002FSKILL.md",[],[]]