Agent Business Canvas
harperreed/dotfiles
A skill your agent uses when evaluating, designing, or pressure-testing the business model of an AI agent product.
Assess business quality, competitive positioning, and sustainability of value creation beyond financial models.
$ npx skills add JoelLewis/finance_skills --skill qualitative-valuation -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install JoelLewis/finance_skills qualitative-valuation --agent claude-codeProject scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).
$ git clone --depth 1 https://github.com/JoelLewis/finance_skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/plugins/wealth-management/skills/qualitative-valuation .claude/skills/qualitative-valuation && rm -rf skills-srcUse ~/.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/
Install the "qualitative-valuation" agent skill from https://github.com/JoelLewis/finance_skills/tree/main/plugins/wealth-management/skills/qualitative-valuation into .claude/skills/qualitative-valuation/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "qualitative-valuation", then confirm the skill loads.Claude Code copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$skill-installer install https://github.com/JoelLewis/finance_skills/tree/main/plugins/wealth-management/skills/qualitative-valuationType this inside Codex. $skill-installer <name> installs a curated skill from openai/skills. The installer writes to $CODEX_HOME/skills (default ~/.codex/skills). Restart Codex if the skill does not show up.
$ npx skills add JoelLewis/finance_skills --skill qualitative-valuation -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install JoelLewis/finance_skills qualitative-valuation --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/JoelLewis/finance_skills.git skills-src && mkdir -p .agents/skills && cp -r skills-src/plugins/wealth-management/skills/qualitative-valuation .agents/skills/qualitative-valuation && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "qualitative-valuation" agent skill from https://github.com/JoelLewis/finance_skills/tree/main/plugins/wealth-management/skills/qualitative-valuation into .agents/skills/qualitative-valuation/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "qualitative-valuation", then confirm the skill loads.Codex copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add JoelLewis/finance_skills --skill qualitative-valuation -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install JoelLewis/finance_skills qualitative-valuation --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/JoelLewis/finance_skills.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/plugins/wealth-management/skills/qualitative-valuation .cursor/skills/qualitative-valuation && rm -rf skills-srcUse ~/.cursor/skills/ instead of .cursor/skills for a personal install.
Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/
Install the "qualitative-valuation" agent skill from https://github.com/JoelLewis/finance_skills/tree/main/plugins/wealth-management/skills/qualitative-valuation into .cursor/skills/qualitative-valuation/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "qualitative-valuation", then confirm the skill loads.Cursor copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gemini skills install https://github.com/JoelLewis/finance_skills.git --path plugins/wealth-management/skills/qualitative-valuation--scope user (default) or --scope workspace; --path is the subfolder of the repo that holds the skill; --consent skips the security confirmation prompt.
$ npx skills add JoelLewis/finance_skills --skill qualitative-valuation -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install JoelLewis/finance_skills qualitative-valuation --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/JoelLewis/finance_skills.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/plugins/wealth-management/skills/qualitative-valuation .gemini/skills/qualitative-valuation && rm -rf skills-srcUse ~/.gemini/skills/ instead of .gemini/skills for a personal install, then run /skills reload.
Gemini CLI skills documentation · loads skills from .gemini/skills/, .agents/skills/
Install the "qualitative-valuation" agent skill from https://github.com/JoelLewis/finance_skills/tree/main/plugins/wealth-management/skills/qualitative-valuation into .gemini/skills/qualitative-valuation/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "qualitative-valuation", then confirm the skill loads.Gemini CLI copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gh skill install JoelLewis/finance_skills qualitative-valuationInstalls for Copilot at project scope by default; add --scope user for a personal install. Preview a skill first with gh skill preview. Needs GitHub CLI 2.90.0 or later (public preview).
$ npx skills add JoelLewis/finance_skills --skill qualitative-valuation -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/JoelLewis/finance_skills.git skills-src && mkdir -p .github/skills && cp -r skills-src/plugins/wealth-management/skills/qualitative-valuation .github/skills/qualitative-valuation && rm -rf skills-srcUse ~/.copilot/skills/ instead of .github/skills for a personal install. Commit .github/skills so cloud agent and code review can use it.
GitHub Copilot skills documentation · loads skills from .github/skills/, .claude/skills/, .agents/skills/
Install the "qualitative-valuation" agent skill from https://github.com/JoelLewis/finance_skills/tree/main/plugins/wealth-management/skills/qualitative-valuation into .github/skills/qualitative-valuation/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "qualitative-valuation", then confirm the skill loads.GitHub Copilot copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add JoelLewis/finance_skills --skill qualitative-valuation -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install JoelLewis/finance_skills qualitative-valuation --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/JoelLewis/finance_skills.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/plugins/wealth-management/skills/qualitative-valuation .opencode/skills/qualitative-valuation && rm -rf skills-srcUse ~/.config/opencode/skills/ instead of .opencode/skills for a personal install.
OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/
Install the "qualitative-valuation" agent skill from https://github.com/JoelLewis/finance_skills/tree/main/plugins/wealth-management/skills/qualitative-valuation into .opencode/skills/qualitative-valuation/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "qualitative-valuation", then confirm the skill loads.OpenCode copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
qualitative-valuationAssess business quality, competitive positioning, and sustainability of value creation beyond financial models.
Qualitative Valuation is an agent skill from JoelLewis/finance_skills. Assess business quality, competitive positioning, and sustainability of value creation beyond financial models. Use when the user asks about economic moats, competitive advantages, Porter's Five Forces, management quality, ESG integration, or business model analysis. Also trigger when users mention 'does this company have a moat', 'switching costs', 'network effects', 'brand value', 'management track record', 'capital allocation', 'insider ownership', 'red flags', or ask whether a company's advantage is durable.
Its SKILL.md is about 2.3k tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts.
It sits in Business, Finance & HR, covering Financial modeling and Product strategy. The repository describes itself as: Claude Code skill plugins for financial services — 81 skills across 7 domain plugins covering investment management, compliance, advisory practice, trading, and operations. The licence is MIT.
5 steps, taken from the first numbered list in SKILL.md.
Read from SKILL.md and the folder at commit 5c498ea. It shows what the files ask for, not the result of running them.
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.
No scripts in the folder and no shell commands in SKILL.md.
From the folder's file list and the shell code blocks in SKILL.md.
No URLs in SKILL.md.
From URLs in SKILL.md, links to its own repository left out.
Names no API keys, tokens, secrets or passwords.
From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.
Qualitative Valuation loads about 2.3k tokens when it runs. Until then it costs about 135 tokens; SKILL.md has 1,136 words of instructions outside code blocks.
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.
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.
The full file from JoelLewis/finance_skills at commit 5c498ea, republished under its MIT licence (© JoelLewis). 1,136 words, ~2,346 tokens.
.claude/skills/qualitative-valuation/SKILL.md (or your agent's skills folder).An economic moat is a structural advantage that protects a company's profits from competition. Five sources:
A moat claim is only as strong as its evidence. Do not award moat sources based on narrative — use the rubric below.
Anchor every claim in observable results, with retention and realized pricing as the strongest evidence:
| Claim | Qualifying evidence | Disqualifying signs |
|---|---|---|
| Pricing power | Realized price increases at or above inflation with stable volumes and retention; gross margin held or expanded through input-cost cycles | Price increases followed by churn spikes; persistent discounting to hold share |
| Switching costs | Gross retention >90% (>95% for enterprise) or net revenue retention >100%; multi-year contracts; implementations measured in quarters; deep data/workflow integration | High churn; month-to-month terms; easy data export and low migration cost |
| Network effects | Unit economics measurably improve with scale (take rates, engagement, liquidity per user); winner-take-most share dynamics | User growth without any engagement, pricing, or cost benefit |
| Brand (intangible asset) | Sustained price premium over comparable products for years | Awareness without a premium; growth dependent on promotional spend |
| Cost advantage | Margins persistently above peers, traceable to scale, process, or resource access | One-off cost cuts; margin gap explained by product mix |
| Management quality | Multi-year ROIC > WACC; buybacks executed below subsequent intrinsic value; acquisitions that met stated return targets | Serial dilutive M&A; buybacks concentrated at price peaks; recurring guidance misses |
Translate qualitative conclusions into explicit adjustments to discount rate, fade period, or terminal assumptions in quantitative valuation. These ranges are judgment calibrations, not formulas — document the specific evidence behind each adjustment:
| Finding | Calibrated adjustment |
|---|---|
| Wide-moat evidence (2+ reinforcing, retention-backed sources) | Discount rate -0.5 to -1.0pp, or terminal multiple +1-2 turns, or extend the above-WACC return fade to 15-20 years |
| Narrow moat (one evidenced source) | Fade above-WACC returns over ~10 years; no discount-rate change |
| No moat | Fade returns to WACC by terminal year; terminal growth at or below inflation |
| Confirmed pricing power | Hold or modestly expand forecast margins; resist mean-reverting them prematurely |
| Governance red flags (see checklist) | Discount rate +0.5 to +1.5pp, haircut management guidance, or walk away |
| Material unmitigated ESG/regulatory exposure | Discount rate +0.5 to +1.5pp, or (often more transparent) probability-weight an impaired-earnings scenario |
| Key-person or succession risk | Discount rate +0.25 to +0.75pp |
If combined adjustments exceed roughly 2pp on the discount rate in either direction, the qualitative overlay is driving the valuation — re-examine the base-case cash flow assumptions instead of stacking adjustments.
Any single flag warrants deeper investigation before relying on a valuation model:
Given:
Assess: Moat sources and width, using the evidence rubric
Solution:
Assessment: Narrow-to-wide moat. One moat source, but with unusually strong retention evidence; durability 15-20+ years barring a technology shift. Valuation-input mapping: extend the above-WACC return fade toward 15-20 years and hold forecast margins, but skip the full wide-moat discount-rate reduction because there is no second reinforcing source.
Given: Base cost of equity 9.0%. The company operates in a high-carbon industry with no transition plan; pending carbon-tax legislation could reduce EBIT by 15%. Governance is strong: independent board, aligned compensation, no red flags.
Calibrate: Adjusted cost of equity
Solution:
Adjusted cost of equity = 9.0% + 1.5% - 0.25% = 10.25%
Alternative (often more transparent): keep the 9% discount rate and probability-weight a scenario in which EBIT falls 15% when the carbon tax passes. Both approaches capture the same risk; do not apply both at once.
© JoelLewis, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file
Just SKILL.md in plugins/wealth-management/skills/qualitative-valuation of JoelLewis/finance_skills.
Open the folder on GitHubat commit 5c498ea
Qualitative Valuation 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.
| Skill | Stars | Used in | Tokens | Auto-check | Licence | Repo updated |
|---|---|---|---|---|---|---|
| Qualitative Valuation this skillJoelLewis/finance_skills | 206 | — | ~2.3k | Automated safety check: Pass | MIT | |
| Agent Business Canvasharperreed/dotfiles | 334 | — | ~3k | Automated safety check: Pass | None | |
| Financial Unit Economicsnicepkg/auto-company | 195 | 1 repos | ~3.4k | Automated safety check: Pass | None | |
| Startup Business Modelsnicepkg/auto-company | 195 | 1 repos | ~1.8k | Automated safety check: Pass | None | |
| Biz Cac Ltvasgard-ai-platform/skills | 242 | — | ~1.9k | Automated safety check: Pass | MIT | |
| Biz Unit Economicsasgard-ai-platform/skills | 242 | — | ~1.3k | Automated safety check: Pass | MIT |
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Categories
Assess business quality, competitive positioning, and sustainability of value creation beyond financial models. Qualitative Valuation is an agent skill from JoelLewis/finance_skills. Assess business quality, competitive positioning, and sustainability of value creation beyond financial models.
Qualitative Valuation fits situations like: the user asks about economic moats; competitive advantages; porters Five Forces; management quality.
Run `npx skills add JoelLewis/finance_skills --skill qualitative-valuation -a claude-code`. Or copy the skill folder (plugins/wealth-management/skills/qualitative-valuation in JoelLewis/finance_skills) into .claude/skills/qualitative-valuation in your project. Claude Code loads it when a task matches its description.
Run `npx skills add JoelLewis/finance_skills --skill qualitative-valuation -a codex`. Or copy the skill folder (plugins/wealth-management/skills/qualitative-valuation in JoelLewis/finance_skills) into .agents/skills/qualitative-valuation in your project. Codex loads it when a task matches its description.
Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add JoelLewis/finance_skills --skill qualitative-valuation -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/qualitative-valuation, .gemini/skills/qualitative-valuation, .github/skills/qualitative-valuation and .opencode/skills/qualitative-valuation in your project.
SKILL.md names no scripts, command-line tools or credentials: Qualitative Valuation is instructions for the agent only.
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.
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.
Qualitative Valuation is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.
About 2.3k tokens (SKILL.md is roughly 9.4k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.
Skills that share tags, products or a category with Qualitative Valuation: Agent Business Canvas (harperreed/dotfiles, 334 stars), Financial Unit Economics (nicepkg/auto-company, 195 stars), Startup Business Models (nicepkg/auto-company, 195 stars) and Biz Cac Ltv (asgard-ai-platform/skills, 242 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
JoelLewis (a GitHub user) maintains it in JoelLewis/finance_skills, which has 206 GitHub stars. The repository holds 91 skills in this directory. The repository was last updated on July 18, 2026.
Source: JoelLewis/finance_skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.