Agent skill

Financial Report Analysis

by digoal in digoal/blog

Analyze company annual reports, quarterly reports, 10-K/10-Q filings, earnings releases, shareholder letters, or financial-report PDFs/URLs/files and produce a professional Chinese Markdown report…

GPL-2.0Auto-check passedBusiness, Finance & HR

Install Financial Report Analysis

skills CLI
$ npx skills add digoal/blog --skill financial-report-analysis -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install digoal/blog financial-report-analysis --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/digoal/blog.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/financial-report-analysis .claude/skills/financial-report-analysis && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Facts

Skill name
financial-report-analysis
GitHub stars
8.6k
Token cost
~1.2k tokens
SKILL.md length
504 words
Files
3 (incl. references)
Skills in repo
98
Repo updated
First seen
Licence
GPL-2.0

At a glance

Analyze company annual reports, quarterly reports, 10-K/10-Q filings, earnings releases, shareholder letters, or financial-report PDFs/URLs/files and produce a professional Chinese Markdown report…

  • Works in 6 steps: Ingest the report. → Build the data spine before writing… → Read references/analysis-framework.md… → …
  • The user provides a company financial report address
  • SKILL.md covers Goal, Workflow, Required Markdown Structure and Quality Bar
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

Financial Report Analysis is an agent skill from digoal/blog. Analyze company annual reports, quarterly reports, 10-K/10-Q filings, earnings releases, shareholder letters, or financial-report PDFs/URLs/files and produce a professional Chinese Markdown report for ordinary investors. Use when the user provides a company financial report address or local file and asks for 财报分析, 年报解读, 季报解读, 10-K/10-Q analysis, earnings analysis, investment reference, accounting red-flag detection, valuation discussion, or beginner-friendly explanation saved to the current project's markdown…

Its SKILL.md is about 1.2k tokens, which your agent loads only when the skill is triggered. The skill folder holds 4 other files, including reference files (for example `agents/openai.yaml` and `references/analysis-framework.md`).

It sits in Business, Finance & HR, covering Financial analysis. The repository describes itself as: AI,Opensource,Database,Business,Finance,Minds. git clone --depth 1 https://github.com/digoal/blog. The licence is GPL-2.0.

When your agent uses it

  • The user provides a company financial report address
  • Local file and asks for 财报分析
  • 10-K/10-Q analysis
  • Earnings analysis

Example prompts

  • “/financial-report-analysis”

Workflow steps

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

  1. Ingest the report.
  2. Build the data spine before writing opinions.
  3. Read references/analysis-framework.md when preparing the analysis.
  4. Write for two audiences at once.
  5. Produce an investment-reference view, not personalized financial advice.
  6. Save the output.

What it can do on your machine

Read from SKILL.md and the folder at commit ad6fcb7. 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

    No scripts in the folder and no shell commands in SKILL.md (its code samples are markdown).

    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

Financial Report Analysis loads about 1.2k tokens when it runs, and up to ~3.7k if it reads all its reference files. Until then it costs about 138 tokens; SKILL.md has 504 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~138
When it runs · the whole SKILL.md, loaded when a task matches
~1.2k
With references · SKILL.md plus every file in references/, read only if the agent opens them
~3.7k

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

Auto-check passed

The automated check found no risky patterns in SKILL.md.

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); files beside SKILL.md are not scanned.

SKILL.md

The full file from digoal/blog at commit ad6fcb7, republished under its GPL-2.0 licence (© digoal). 504 words, ~1,156 tokens.

Download SKILL.mdSave it as .claude/skills/financial-report-analysis/SKILL.md (or your agent's skills folder). This skill also uses 2 other files; get the full folder from GitHub.
name
financial-report-analysis
description
Analyze company annual reports, quarterly reports, 10-K/10-Q filings, earnings releases, shareholder letters, or financial-report PDFs/URLs/files and produce a professional Chinese Markdown report for ordinary investors. Use when the user provides a company financial report address or local file and asks for 财报分析, 年报解读, 季报解读, 10-K/10-Q analysis, earnings analysis, investment reference, accounting red-flag detection, valuation discussion, or beginner-friendly explanation saved to the current project's markdown directory.

Financial Report Analysis

Goal

Generate a Chinese Markdown financial-report analysis for ordinary investors, written from the perspective of a senior financial analyst, fund manager, and investment-bank analyst. Save the final .md file under the current project's markdown/ directory.

Workflow

  1. Ingest the report.

    • Accept a URL, PDF, HTML filing, text file, spreadsheet, or local document.
    • Prefer official sources: SEC/EDGAR, exchange filings, company investor-relations pages, audited annual reports, and earnings releases.
    • For recent market prices, current valuation multiples, analyst estimates, regulation, or news-sensitive facts, verify with current web sources and cite them.
    • If the report is long, extract the table of contents, MD&A, financial statements, notes, risk factors, segment data, cash-flow statement, and accounting-policy notes first.
  2. Build the data spine before writing opinions.

    • Identify reporting period, currency, accounting standard, consolidation scope, restatements, and comparability issues.
    • Extract revenue, gross profit, operating profit, net income, EPS, operating cash flow, free cash flow, capex, cash, debt, equity, AR, inventory, goodwill, R&D, share count, segment/geographic revenue, and management guidance.
    • Compare year over year and, when available, sequentially. State whether each conclusion comes from reported data, calculation, management commentary, or external verification.
  3. Read references/analysis-framework.md when preparing the analysis.

    • Use it as the checklist for core questions, accounting traps, hidden risks, business-model transitions, valuation scenarios, and Tesla-style deep-dive questions.
    • Do not paste the checklist mechanically; select what matters for the company and explain why.
  4. Write for two audiences at once.

    • Give institutional-quality judgment, but explain specialist terms in plain language at first use.
    • For every important ratio or accounting term, add the business logic: "why this number matters", "what can go wrong", and "what a normal investor should check next".
    • Use examples and counterexamples when they clarify a causal chain.
  5. Produce an investment-reference view, not personalized financial advice.

    • Provide a clear stance such as 积极关注, 中性观望, 谨慎, or 回避, with explicit assumptions.
    • Separate base, bull, and bear cases. Explain what evidence would make the view change.
    • If valuation depends on speculative businesses, value the mature business and option-like business separately.
  6. Save the output.

    • Create markdown/ in the current project if needed.
    • Use a deterministic filename such as markdown/<company>-<period>-financial-report-analysis.md.
    • Include source links or local file names, extraction date, and a short limitation note for missing or unaudited data.
Show full SKILL.md (129 more words)Show less

Required Markdown Structure

Use this structure unless the user asks for a different format:

markdown
# <公司> <期间>财报深度解读

## 0. 结论先行
## 1. 这家公司到底靠什么赚钱
## 2. 收入结构与增长质量
## 3. 毛利率、费用率与盈利能力
## 4. 现金流与利润质量
## 5. 资产负债表健康度
## 6. 财报里的坑与反常信号
## 7. 业务前景与关键变量
## 8. 估值与投资参考
## 9. 小白投资者应该学会的分析方法
## 10. 关键风险、反证条件与后续跟踪清单
## 数据来源与局限

Quality Bar

  • Be sharp, but do not overclaim. Tie every strong opinion to report data, historical comparison, peer comparison, management disclosure, or authoritative external evidence.
  • Do not generalize from one isolated example. If using cases such as 康美药业, Enron, WorldCom, WeWork, GE, Amazon AWS, Apple services, Adobe subscription transition, or Netflix content-capex debates, state what the case proves and what it does not prove.
  • Surface assumptions. If an assumption breaks, provide the alternative interpretation instead of forcing the original thesis.
  • Distinguish accounting profit from cash profit, growth from growth quality, and valuation from business quality.
  • For Chinese output, keep professional terms in Chinese with English abbreviations where useful, for example 经营活动现金流 OCF and 自由现金流 FCF.

© digoal, GPL-2.0. 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 2 other files (references) in skills/financial-report-analysis of digoal/blog.

  • SKILL.md
  • agents/openai.yaml
  • references/analysis-framework.md

Open the folder on GitHubat commit ad6fcb7

Compare with similar skills

Financial Report Analysis next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.

Financial Report Analysis compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Financial Report Analysis this skilldigoal/blog8.6k—~1.2kAutomated safety check: PassGPL-2.0
Longbridge Earningshelsome/folio2701 repos~2.5kAutomated safety check: PassNone
Financial Analyzinghuangjia2019/claude-code-engineering1.1k—~474Automated safety check: PassNone
Earnings AnalysisWind-Alice/AliceMarket1303 repos~2.2kAutomated safety check: PassNone
Buy Side Equity Research Memohaskaomni/serenity-skill633—~3.8kAutomated safety check: PassMIT
Longbridgehelsome/folio2701 repos~1.9kAutomated safety check: PassNone

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Questions about Financial Report Analysis

What does Financial Report Analysis do?

Analyze company annual reports, quarterly reports, 10-K/10-Q filings, earnings releases, shareholder letters, or financial-report PDFs/URLs/files and produce a professional Chinese Markdown report…. Financial Report Analysis is an agent skill from digoal/blog. Analyze company annual reports, quarterly reports, 10-K/10-Q filings, earnings releases, shareholder letters, or financial-report PDFs/URLs/files and produce a professional Chinese Markdown report for ordinary investors.

When should I use Financial Report Analysis?

Financial Report Analysis fits situations like: the user provides a company financial report address; local file and asks for 财报分析; 10-K/10-Q analysis; earnings analysis.

How do I install Financial Report Analysis in Claude Code?

Run `npx skills add digoal/blog --skill financial-report-analysis -a claude-code`. Or copy the skill folder (skills/financial-report-analysis in digoal/blog) into .claude/skills/financial-report-analysis in your project. Claude Code loads it when a task matches its description.

How do I install Financial Report Analysis in Codex?

Run `npx skills add digoal/blog --skill financial-report-analysis -a codex`. Or copy the skill folder (skills/financial-report-analysis in digoal/blog) into .agents/skills/financial-report-analysis in your project. Codex loads it when a task matches its description.

Can I use Financial Report Analysis in Cursor, Gemini CLI or GitHub Copilot?

Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add digoal/blog --skill financial-report-analysis -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/financial-report-analysis, .gemini/skills/financial-report-analysis, .github/skills/financial-report-analysis and .opencode/skills/financial-report-analysis in your project.

What does Financial Report Analysis need to run?

SKILL.md names no scripts, command-line tools or credentials: Financial Report Analysis is instructions for the agent only.

Does Financial Report Analysis access the network?

SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.

Is Financial Report Analysis safe to install?

Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.

What licence does Financial Report Analysis use?

Financial Report Analysis is published under the GPL-2.0 licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Financial Report Analysis use?

About 1.2k tokens (SKILL.md is roughly 4.6k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full. Its references folder adds about 2.5k tokens, read only when the agent opens those files.

What are the alternatives to Financial Report Analysis?

Skills that share tags, products or a category with Financial Report Analysis: Longbridge Earnings (helsome/folio, 270 stars), Financial Analyzing (huangjia2019/claude-code-engineering, 1.1k stars), Earnings Analysis (Wind-Alice/AliceMarket, 130 stars) and Buy Side Equity Research Memo (haskaomni/serenity-skill, 633 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Financial Report Analysis?

digoal (a GitHub user) maintains it in digoal/blog, which has 8,586 GitHub stars. The repository holds 98 skills in this directory. The repository was last updated on October 9, 2026.

Source: digoal/blog on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.