Agent skill

Financial Health Scores

by OctagonAI in OctagonAI/skills

Retrieve financial health scores including Altman Z-Score and Piotroski Score for public companies.

MITAuto-check passedSales & Support

Install Financial Health Scores

skills CLI
$ npx skills add OctagonAI/skills --skill financial-health-scores -a claude-code

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

GitHub CLI
$ gh skill install OctagonAI/skills financial-health-scores --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/OctagonAI/skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/financial-health-scores .claude/skills/financial-health-scores && 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-health-scores
GitHub stars
127
Token cost
~1k tokens
SKILL.md length
399 words
Files
5 (incl. references)
Skills in repo
53
Repo updated
First seen
Licence
MIT

At a glance

Retrieve financial health scores including Altman Z-Score and Piotroski Score for public companies.

  • Works in 4 steps: Positive Net Income → Positive Operating Cash Flow → Return on Assets improvement → …
  • Assessing bankruptcy risk
  • SKILL.md covers Prerequisites, Query Format, Output Format and Altman Z-Score Interpretation, plus 3 more sections
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

Financial Health Scores is an agent skill from OctagonAI/skills. Retrieve financial health scores including Altman Z-Score and Piotroski Score for public companies. Use when assessing bankruptcy risk, financial strength, value investing screening, or credit quality analysis.

Its SKILL.md is about 1k tokens, which your agent loads only when the skill is triggered. The skill folder holds 5 other files, including reference files (for example `README.md`, `marketplace.json` and `references/interpreting-results.md`).

It sits in Sales & Support, covering Customer success. It works with Model Context Protocol. The repository describes itself as: A collection of Claude skills for agentic financial research by Octagon. The licence is MIT.

When your agent uses it

  • Assessing bankruptcy risk
  • Financial strength
  • Value investing screening
  • Credit quality analysis

Example prompts

  • “/financial-health-scores”

Workflow steps

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

  1. Positive Net Income
  2. Positive Operating Cash Flow
  3. Return on Assets improvement
  4. OCF > Net Income (accruals quality)

What it can do on your machine

Read from SKILL.md and the folder at commit 51e938c. 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 json).

    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 Health Scores loads about 1k tokens when it runs, and up to ~2.7k if it reads all its reference files. Until then it costs about 59 tokens; SKILL.md has 399 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~59
When it runs · the whole SKILL.md, loaded when a task matches
~1k
With references · SKILL.md plus every file in references/, read only if the agent opens them
~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 OctagonAI/skills at commit 51e938c, republished under its MIT licence (© OctagonAI). 399 words, ~1,025 tokens.

Download SKILL.mdSave it as .claude/skills/financial-health-scores/SKILL.md (or your agent's skills folder). This skill also uses 4 other files; get the full folder from GitHub.
name
financial-health-scores
description
Retrieve financial health scores including Altman Z-Score and Piotroski Score for public companies. Use when assessing bankruptcy risk, financial strength, value investing screening, or credit quality analysis.

Financial Health Scores

Retrieve financial health scores including Altman Z-Score and Piotroski Score for public companies using Octagon MCP.

Prerequisites

Ensure Octagon MCP is configured in your AI agent (Cursor, Claude Desktop, Windsurf, etc.). See references/mcp-setup.md for installation instructions.

Query Format

Retrieve financial health scores for <TICKER>, including the Altman Z-Score and Piotroski Score.

MCP Call:

json
{
  "server": "octagon-mcp",
  "toolName": "octagon-agent",
  "arguments": {
    "prompt": "Retrieve financial health scores for TSLA, including the Altman Z-Score and Piotroski Score"
  }
}

Output Format

The agent returns health scores with supporting metrics:

Altman Z-Score: 16.84 (calculated using working capital, total assets, retained earnings, EBIT, and market cap). A score above 3.0 indicates low bankruptcy risk.

Piotroski Score: 6 (out of a maximum 9). This score assesses profitability, leverage, liquidity, and operating efficiency.

Supporting Financial Metrics:

MetricValue (USD)
Working Capital36,928,000,000
Total Assets137,806,000,000
Retained Earnings39,003,000,000
EBIT5,616,000,000
Market Cap1,400,635,834,800
Total Liabilities54,941,000,000
Revenue94,827,000,000

Data Source: octagon-financials-agent

Altman Z-Score Interpretation

The Altman Z-Score predicts bankruptcy probability:

Z-Score RangeInterpretation
> 3.0Safe Zone - Low bankruptcy risk
1.8 - 3.0Grey Zone - Moderate risk, needs monitoring
< 1.8Distress Zone - High bankruptcy risk
Z-Score Formula
Z = 1.2(WC/TA) + 1.4(RE/TA) + 3.3(EBIT/TA) + 0.6(MC/TL) + 1.0(Rev/TA)

Where:

  • WC = Working Capital
  • TA = Total Assets
  • RE = Retained Earnings
  • EBIT = Earnings Before Interest and Taxes
  • MC = Market Cap
  • TL = Total Liabilities
  • Rev = Revenue

Piotroski Score Interpretation

The Piotroski F-Score (0-9) assesses financial strength:

Score RangeInterpretation
8-9Strong - High quality value stock
5-7Moderate - Average financial health
0-4Weak - Poor financial health
Piotroski Components (9 criteria)

Profitability (4 points):

  1. Positive Net Income
  2. Positive Operating Cash Flow
  3. Return on Assets improvement
  4. OCF > Net Income (accruals quality)

Leverage/Liquidity (3 points): 5. Lower long-term debt ratio 6. Higher current ratio 7. No new share issuance

Operating Efficiency (2 points): 8. Higher gross margin 9. Higher asset turnover

Show full SKILL.md (135 more words)Show less

Analysis Tips

Combined Assessment

Use both scores together:

  • High Z-Score + High Piotroski = Financially healthy
  • High Z-Score + Low Piotroski = Watch operating trends
  • Low Z-Score + High Piotroski = Leverage concern
  • Low Z-Score + Low Piotroski = Avoid or deep value
Value Investing Application

Piotroski Score designed for:

  • Screening high book-to-market stocks
  • Identifying quality within value
  • Avoiding value traps
Credit Analysis

Z-Score useful for:

  • Bond investment decisions
  • Supplier credit assessment
  • Counterparty risk evaluation
Sector Considerations

Scores work best for:

  • Manufacturing companies (Z-Score original use)
  • Mature businesses with stable operations
  • Less reliable for: financials, early-stage, asset-light

Follow-up Queries

Based on results, suggest deeper analysis:

  • "What factors contributed to [COMPANY]'s Piotroski Score versus industry peers?"
  • "How does [COMPANY]'s Altman Z-Score compare to its historical averages?"
  • "Break down the individual components of [COMPANY]'s Piotroski Score"
  • "Compare [COMPANY]'s financial health scores to [PEER1] and [PEER2]"

© OctagonAI, 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 4 other files (references) in skills/financial-health-scores of OctagonAI/skills.

  • SKILL.md
  • README.md
  • marketplace.json
  • references/interpreting-results.md
  • references/mcp-setup.md

Open the folder on GitHubat commit 51e938c

Compare with similar skills

Financial Health Scores 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.

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Zsxqunnoo/zsxq-skill304—~3.8kAutomated safety check: PassMIT
Sales OsromangojiberryAI/gojiberryai-sales-os139—~2kAutomated safety check: PassMIT
Zach Sif Cvr Threshold Analyzerzach22-1999/amazon-skills2091 repos~982Automated safety check: NotesMIT

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Categories

Questions about Financial Health Scores

What does Financial Health Scores do?

Retrieve financial health scores including Altman Z-Score and Piotroski Score for public companies. Financial Health Scores is an agent skill from OctagonAI/skills. Retrieve financial health scores including Altman Z-Score and Piotroski Score for public companies.

When should I use Financial Health Scores?

Financial Health Scores fits situations like: assessing bankruptcy risk; financial strength; value investing screening; credit quality analysis.

How do I install Financial Health Scores in Claude Code?

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

How do I install Financial Health Scores in Codex?

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

Can I use Financial Health Scores 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 OctagonAI/skills --skill financial-health-scores -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-health-scores, .gemini/skills/financial-health-scores, .github/skills/financial-health-scores and .opencode/skills/financial-health-scores in your project.

What does Financial Health Scores need to run?

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

Does Financial Health Scores 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 Health Scores 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 Health Scores use?

Financial Health Scores 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 Financial Health Scores use?

About 1k tokens (SKILL.md is roughly 4.1k 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 1.7k tokens, read only when the agent opens those files.

What are the alternatives to Financial Health Scores?

Skills that share tags, products or a category with Financial Health Scores: Sealeap Amazon Featured Offer Loss Triage (xjli360/sealeap-amazon-skills, 251 stars), Customer Deck Builder (zapier/gtm-cheat-codes, 342 stars), Zsxq (unnoo/zsxq-skill, 304 stars) and Sales Os (romangojiberryAI/gojiberryai-sales-os, 139 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Financial Health Scores?

OctagonAI (a GitHub organization) maintains it in OctagonAI/skills, which has 127 GitHub stars. The repository holds 53 skills in this directory. The repository was last updated on June 5, 2026.

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