Biz Financial Ratios

What it does

When your agent uses it

• The user needs to assess a companys financial performance
• Compare companies
• Evaluate creditworthiness
• Prepare financial due diligence — even if they say is this company financially healthy

Example prompts

• “is this company financially healthy”
• “analyze these financial statements”
• “compare these two companies”
• “/biz-financial-ratios”

Requirements

• Python 3

Workflow steps

5 steps, taken from the first numbered list in SKILL.md.

1. 1Calculate all relevant ratios from financial statements
2. 2Compare against industry benchmarks and 3-year trend
3. 3Identify red flags (declining trends, outliers vs peers)
4. 4Synthesize a financial health verdict across all five categories
5. 5Recommend actions based on weak areas

What it can do on your machine

Read from SKILL.md and the folder at commit 4e7f4f8. It shows what the files ask for, not the result of running them.

• Tool permissions

  Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

  From allowed-tools in the SKILL.md frontmatter.

• Runs code

  Ships 1 file in scripts/ (Python), which the agent can run.

  Shell commands in SKILL.md call:

  • python

  From the folder's file list and the shell code blocks in SKILL.md.

• Network

  No URLs in SKILL.md.

  From URLs in SKILL.md, links to its own repository left out.

• Credentials

  Names no API keys, tokens, secrets or passwords.

  From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Biz Financial Ratios loads about 1.9k tokens when it runs, and up to ~6k if it reads all its reference files. Until then it costs about 106 tokens; SKILL.md has 679 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it

~106

When it runs · the whole SKILL.md, loaded when a task matches

~1.9k

With references · SKILL.md plus every file in references/, read only if the agent opens them

~6k

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); the scripts in this folder are not scanned.

SKILL.md

The full file from asgard-ai-platform/skills at commit 4e7f4f8, republished under its MIT licence (© asgard-ai-platform). 679 words, ~1,892 tokens.

name

biz-financial-ratios

description

Analyze financial health using ratio categories: profitability, liquidity, leverage, efficiency, and valuation. Use this skill when the user needs to assess a company's financial performance, compare companies, evaluate creditworthiness, or prepare financial due diligence — even if they say 'is this company financially healthy', 'analyze these financial statements', or 'compare these two companies'.

metadata.category

WP-15 商學院—財務

metadata.tags

finance, financial-ratios, financial-analysis

IRON LAW: Ratios Without Context Are Meaningless

A current ratio of 1.5 means nothing alone. Is 1.5 good? Compare to:
1. Industry average (retail ~1.2, manufacturing ~1.8)
2. Company's own trend (was it 2.0 last year? → declining liquidity)
3. Peers (competitor has 2.5? → relatively weak)

NEVER report a ratio without at least one comparison point.

IRON LAW: All Five Categories, Every Time

Analyzing only profitability misses a leveraged company about to default.
Analyzing only liquidity misses a profitable company's growth potential.
Cover all five categories for a complete picture.

# Financial Ratio Analysis: {Company}

## Summary Dashboard
| Category | Status | Key Metric |
|----------|--------|-----------|
| Profitability | 🟢/🟡/🔴 | {headline ratio} |
| Liquidity | 🟢/🟡/🔴 | {headline ratio} |
| Leverage | 🟢/🟡/🔴 | {headline ratio} |
| Efficiency | 🟢/🟡/🔴 | {headline ratio} |
| Valuation | 🟢/🟡/🔴 | {headline ratio} |

## Detailed Ratios
{Tables per category with ratio, value, industry avg, trend}

## Red Flags
- {specific concern with data}

## Overall Assessment
{Synthesized financial health verdict}

© asgard-ai-platform, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

SKILL.md and 3 other files (scripts, references) in biz-financial-ratios of asgard-ai-platform/skills.

• SKILL.md
• examples/sample_input.json
• references/industry-benchmarks.md
• scripts/financial_ratios.py

Open the folder on GitHubat commit 4e7f4f8