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Agent skill

Annual Report Tutor

by mohitagw15856 in mohitagw15856/pm-claude-skills

A skill your agent uses when asked to walk me through an annual report, teach me to read this 10-K, explain a company's accounts to a beginner, or tutor me on the financial statements in an uploaded…

MITAuto-check passedBusiness, Finance & HR

Install Annual Report Tutor

skills CLI
$ npx skills add mohitagw15856/pm-claude-skills --skill annual-report-tutor -a claude-code

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

GitHub CLI
$ gh skill install mohitagw15856/pm-claude-skills annual-report-tutor --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/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/annual-report-tutor .claude/skills/annual-report-tutor && 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
annual-report-tutor
GitHub stars
1.4k
Token cost
~2.7k tokens
SKILL.md length
1,569 words
Files
1
Skills in repo
1,348
Repo updated
First seen
Licence
MIT

At a glance

A skill your agent uses when asked to walk me through an annual report, teach me to read this 10-K, explain a company's accounts to a beginner, or tutor me on the financial statements in an uploaded…

  • Works in 5 steps: Every figure carries a page reference in… → If a figure cannot be found in the… → Quote the report's own units and… → …
  • Asked to walk me through an annual report
  • SKILL.md covers What This Skill Produces, Required Inputs, Example Trigger Phrases and Hard Rules, plus 5 more sections
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

Annual Report Tutor is an agent skill from mohitagw15856/pm-claude-skills. Use when asked to walk me through an annual report, teach me to read this 10-K, explain a company's accounts to a beginner, or tutor me on the financial statements in an uploaded report. Walks a beginner up a fixed six-rung ladder — statement map, balance sheet line by line, operating profit to free cash flow, five sector-appropriate ratios with healthy ranges, the sceptical read, then a reusable checklist and a five-question quiz. Produces a page-referenced tutorial in which every figure cites the page it came…

Its SKILL.md is about 2.7k 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 analysis and Tutoring and explanations. The repository describes itself as: 1255 professional Agent Skills for Claude, ChatGPT, Gemini, Cursor & Codex — PRDs, postmortems, leases, medical bills, layoffs, go-bags, new countries. Plain markdown, MIT, in… The licence is MIT.

When your agent uses it

  • Asked to walk me through an annual report
  • Teach me to read this 10-K
  • Explain a companys accounts to a beginner
  • Tutor me on the financial statements in an uploaded report

Example prompts

  • “not disclosed in this report”
  • “/annual-report-tutor”

Workflow steps

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

  1. Every figure carries a page reference in the form (p. N). A figure without a page is a defect.
  2. If a figure cannot be found in the document, write exactly: "not disclosed in this report". Never reason, estimate, or recall a value to…
  3. Quote the report's own units and currency on every table (e.g. £m, $ thousands) and never convert silently.
  4. No buy, sell, hold, or valuation opinion at any rung. If asked, redirect to a regulated adviser.
  5. One rung per turn by default. End each rung with one prompt back to the learner. Move on only when they answer or say "next". If they ask…

What it can do on your machine

Read from SKILL.md and the folder at commit 1cbf1f0. 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.

    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

Annual Report Tutor loads about 2.7k tokens when it runs. Until then it costs about 160 tokens; SKILL.md has 1,569 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~160
When it runs · the whole SKILL.md, loaded when a task matches
~2.7k

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 mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 1,569 words, ~2,749 tokens.

Download SKILL.mdSave it as .claude/skills/annual-report-tutor/SKILL.md (or your agent's skills folder).
name
annual-report-tutor
description
Use when asked to walk me through an annual report, teach me to read this 10-K, explain a company's accounts to a beginner, or tutor me on the financial statements in an uploaded report. Walks a beginner up a fixed six-rung ladder — statement map, balance sheet line by line, operating profit to free cash flow, five sector-appropriate ratios with healthy ranges, the sceptical read, then a reusable checklist and a five-question quiz. Produces a page-referenced tutorial in which every figure cites the page it came from and anything missing is marked 'not disclosed in this report'. Educational, not financial advice.

Annual Report Tutor Skill

Teaches a beginner to read one real annual report, rung by rung, with every number traced to a page. The document is the only source of truth: the skill reads, it never remembers or estimates.

What This Skill Produces

  • A six-rung tutorial built from the uploaded report, delivered one rung per turn (or all at once on request)
  • A statement map, an annotated balance sheet, a profit-to-cash reconciliation with working shown, five ratios with page references and sector ranges, a numbers-versus-narrative split
  • A one-page reusable checklist and a five-question quiz with answers withheld until attempted

Required Inputs

  • An uploaded annual report PDF (annual report, 10-K, integrated report). Hard requirement: if none is attached, ask for it and stop. Do not proceed from a company name, a summary, or memory.
  • Optional: the learner's sector guess (the skill confirms it from the report) and their experience level (default: complete beginner).

Example Trigger Phrases

  • "Walk me through this annual report like I've never read one"
  • "Teach me to read this 10-K"
  • "I've uploaded the accounts — explain the balance sheet line by line"
  • "Tutor me on this company's financial statements"

Hard Rules

  1. Every figure carries a page reference in the form (p. N). A figure without a page is a defect.
  2. If a figure cannot be found in the document, write exactly: "not disclosed in this report". Never reason, estimate, or recall a value to fill a gap. Never compute a ratio whose inputs include a not-disclosed figure; show the ratio row with "not computable — [input] not disclosed in this report".
  3. Quote the report's own units and currency on every table (e.g. £m, $ thousands) and never convert silently.
  4. No buy, sell, hold, or valuation opinion at any rung. If asked, redirect to a regulated adviser.
  5. One rung per turn by default. End each rung with one prompt back to the learner. Move on only when they answer or say "next". If they ask for everything at once, deliver all six rungs in order in one artifact.

The Ladder

Rung 1 — Map the three statements

Output exactly:

StatementStarts on pagePeriod coveredThe question it answers
Income statement (P&L)p. NFY..Did the business make a profit this year?
Balance sheetp. Nat DD Mon YYYYWhat does it own and owe on one day?
Cash flow statementp. NFY..Where did cash actually come from and go?

Then three single lines: the auditor's report starts on p. N; the notes to the accounts start on p. N; the pages the audit opinion says it covers are pp. N–M (or "not disclosed in this report"). Close with the prompt: "Open the balance sheet page. Tell me the first line you don't understand."

Rung 2 — The balance sheet, line by line

Output exactly one table covering every line on the primary balance sheet, in the report's order:

Line (as printed)PageThis yearLast yearPlain-English meaning

Then The five lines that matter most, chosen for the sector (default: cash and equivalents; total borrowings including lease liabilities; trade receivables; inventories, or deferred revenue/contract liabilities for software; total equity). For each, three fixed fields:

  • Figure: amount (p. N), this year vs last year, with the change.
  • Why it matters: one sentence.
  • Where to look next: the note number and page that breaks it down.

Then The two lines beginners misread, always these two unless the sector demands a substitute, in the same three-field format plus a fourth, What it is not:

  1. Goodwill and intangibles — the premium paid for acquisitions, not something that can be sold; watch for impairment (p. N).
  2. Retained earnings — accumulated past profits, not a pile of cash; the cash is on the cash line.

Prompt: "Which of the five lines moved most, and can you find the note that explains why?"

Rung 3 — Operating profit to free cash flow

Output the walk as one table, working shown, with the running total on every row:

StepLine itemPageAmountRunning totalWhy cash and profit diverge here (one sentence)
1Operating profit (statutory)p. NStarting point — accounting profit, not cash
2+ Depreciation and amortisationp. NNon-cash charges added back
3± Working capital movementsp. NSales not yet collected, stock built, bills not yet paid
4± Other non-cash and provisionsp. NShare-based pay, impairments, provisions
5− Tax paidp. NCash tax differs from the tax charge
6− Interest paid (if in operating)p. NNote where the report classifies it
7= Cash from operationsp. NMust tie to the cash flow statement figure
8− Capital expenditure (PP&E and intangibles)p. NInvestment is spent cash but not an expense
9− Lease payments (principal)p. NUnder IFRS 16 these sit in financing
10= Free cash flowThe skill's definition; state if the company's own FCF differs

Under the table, three fixed lines: Tie-out: row 7 equals the reported cash from operations (p. N) — yes/no, and the gap if no. Company's own FCF: amount (p. N) and how its definition differs, or "not disclosed in this report". Your check: name one subtraction (e.g. step 8) and instruct the learner to recompute it by hand before moving on. Prompt: "Recompute step [n] yourself. Does it match?"

Show full SKILL.md (689 more words)Show less
Rung 4 — Five ratios for this sector

State the sector and how the report confirms it (p. N). Pick the five-ratio set from this menu and output one table:

RatioFormulaInputs (page each)ResultHealthy range for this sectorThis company sits

Sector menus (healthy ranges are rules of thumb; label them so):

  • Industrial / consumer: gross margin; operating margin; net debt ÷ EBITDA (< 2× comfortable, > 3× stretched); cash conversion = FCF ÷ operating profit (80–100%+); receivable days (30–60).
  • Software / SaaS: revenue growth; gross margin (70%+); statutory operating margin; FCF margin (15%+ mature); deferred revenue growth vs revenue growth (should not lag badly).
  • Bank: CET1 ratio (well above regulatory minimum, typically 12–16%); net interest margin; cost-to-income (< 60% efficient); loan-to-deposit (< 100%); return on tangible equity (10%+).
  • Retail: gross margin; inventory days (sector-specific — cite the prior year as the benchmark); net debt including leases ÷ EBITDA; cash conversion; like-for-like growth (narrative — flag it as unaudited).
  • Property / REIT: loan-to-value (< 40% conservative); interest cover (> 2×); occupancy (narrative — flag); dividend covered by cash earnings (yes/no); change in NAV per share.

Any ratio with a not-disclosed input is shown as not computable. Prompt: "Which ratio would you want a second year of before trusting it?"

Rung 5 — The sceptical side

Output two columns, minimum four rows each, every cell with a page:

What the numbers show (page)What is narrative (page)

Rules: audited statements and notes go left; highlights, chairman's statement, CEO review, KPIs, "adjusted" and "underlying" figures go right. Then Three questions a sceptic asks, each tied to a specific page, and one line naming the biggest gap between the story and the statements. Prompt: "Pick one narrative claim. Which audited line would prove or disprove it?"

Rung 6 — Checklist and quiz

One-page checklist (reusable on any report), exactly twelve items, each a yes/no with a blank for a page number:

  1. Found the three statements and their pages
  2. Found the audit opinion and what it covers
  3. Cash vs last year
  4. Total borrowings incl. leases vs last year
  5. Goodwill as % of total assets
  6. Cash from operations ties to the statement
  7. Free cash flow computed and compared with company's version
  8. Five sector ratios computed
  9. Any ratio not computable — noted why
  10. Adjusted figures reconciled to statutory
  11. Biggest story-vs-statements gap named
  12. One subtraction checked by hand

Five-question quiz, answers withheld: each question names the page range to look in. Reveal an answer only after the learner attempts it; then give the answer with the page and one sentence on the misread if they were wrong. Question types: one locate-a-figure, one compute-a-ratio, one why-cash-differs, one is-it-audited, one what-would-you-check-next.

Output Format

Each rung is headed ## Rung N — [title] and contains only the tables and fixed fields defined above, in that order, followed by the rung prompt in italics. The artifact ends, verbatim: "Educational, not financial advice. Decisions with real money belong with a regulated adviser."

Quality Checks

  • A report PDF was uploaded; the skill did not proceed without one — pass/fail
  • Every figure in every rung carries (p. N) — pass/fail
  • Every missing figure reads exactly "not disclosed in this report" and no ratio was computed from one — pass/fail
  • Rung 3 row 7 is explicitly tied out to the reported cash from operations — pass/fail
  • Rung 4 uses the sector menu and labels ranges as rules of thumb — pass/fail
  • Rung 5 places every adjusted or underlying figure in the narrative column — pass/fail
  • Quiz answers are absent from the first delivery — pass/fail
  • No buy, sell, or valuation opinion anywhere — pass/fail
  • The disclaimer line is the final line, verbatim — pass/fail

Anti-Patterns

  • Do not fill a gap from memory of the company, prior years, or peers
  • Do not convert units, currencies, or periods silently
  • Do not present the company's adjusted profit as the starting point of Rung 3
  • Do not skip rungs or merge them when the learner is pacing one per turn
  • Do not grade the quiz before the learner has answered
  • Do not describe a company as cheap, expensive, safe, or a good business

profit-to-cash-walk (Rung 3 standalone), audited-boundary-check (Rung 5 deep dive), company-compare-same-definitions (two reports), investing-vocabulary-explainer (any term, in context).

© mohitagw15856, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

Just SKILL.md in skills/annual-report-tutor of mohitagw15856/pm-claude-skills.

Open the folder on GitHubat commit 1cbf1f0

Compare with similar skills

Annual Report Tutor 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.

Annual Report Tutor compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Annual Report Tutor this skillmohitagw15856/pm-claude-skills1.4k—~2.7kAutomated safety check: PassMIT
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The Spiralegregore-labs/egregore291—~527Automated safety check: PassMIT
DeepTutor CLIHKUDS/DeepTutor41k—~2.8kAutomated safety check: PassApache-2.0
AI-Trader Market IntelHKUDS/AI-Trader23k—~1.1kAutomated safety check: PassNone
Eastmoney Market DataHKUDS/Vibe-Trading35k—~1kAutomated safety check: PassMIT

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Categories

Questions about Annual Report Tutor

What does Annual Report Tutor do?

A skill your agent uses when asked to walk me through an annual report, teach me to read this 10-K, explain a company's accounts to a beginner, or tutor me on the financial statements in an uploaded…. Annual Report Tutor is an agent skill from mohitagw15856/pm-claude-skills. Use when asked to walk me through an annual report, teach me to read this 10-K, explain a company's accounts to a beginner, or tutor me on the financial statements in an uploaded report.

When should I use Annual Report Tutor?

Annual Report Tutor fits situations like: asked to walk me through an annual report; teach me to read this 10-K; explain a companys accounts to a beginner; tutor me on the financial statements in an uploaded report.

How do I install Annual Report Tutor in Claude Code?

Run `npx skills add mohitagw15856/pm-claude-skills --skill annual-report-tutor -a claude-code`. Or copy the skill folder (skills/annual-report-tutor in mohitagw15856/pm-claude-skills) into .claude/skills/annual-report-tutor in your project. Claude Code loads it when a task matches its description.

How do I install Annual Report Tutor in Codex?

Run `npx skills add mohitagw15856/pm-claude-skills --skill annual-report-tutor -a codex`. Or copy the skill folder (skills/annual-report-tutor in mohitagw15856/pm-claude-skills) into .agents/skills/annual-report-tutor in your project. Codex loads it when a task matches its description.

Can I use Annual Report Tutor 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 mohitagw15856/pm-claude-skills --skill annual-report-tutor -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/annual-report-tutor, .gemini/skills/annual-report-tutor, .github/skills/annual-report-tutor and .opencode/skills/annual-report-tutor in your project.

What does Annual Report Tutor need to run?

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

Does Annual Report Tutor 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 Annual Report Tutor 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 Annual Report Tutor use?

Annual Report Tutor is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Annual Report Tutor use?

About 2.7k tokens (SKILL.md is roughly 11k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.

What are the alternatives to Annual Report Tutor?

Skills that share tags, products or a category with Annual Report Tutor: Earnings Report Analysis (byteseek/Mira, 275 stars), The Spiral (egregore-labs/egregore, 291 stars), DeepTutor CLI (HKUDS/DeepTutor, 41k stars) and AI-Trader Market Intel (HKUDS/AI-Trader, 23k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Annual Report Tutor?

mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,434 GitHub stars. The repository holds 1,348 skills in this directory. The repository was last updated on October 9, 2026.

Source: mohitagw15856/pm-claude-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.