Agent skill

Financial Ratio Analyzer

by revfactory in revfactory/harness-100

A specialized skill that deepens financial ratio analysis for investor report writing.

Apache-2.0Auto-check passedBusiness, Finance & HR

Install Financial Ratio Analyzer

skills CLI
$ npx skills add revfactory/harness-100 --skill financial-ratio-analyzer -a claude-code

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

GitHub CLI
$ gh skill install revfactory/harness-100 financial-ratio-analyzer --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/revfactory/harness-100.git skills-src && mkdir -p .claude/skills && cp -r skills-src/en/51-investor-report/.claude/skills/financial-ratio-analyzer .claude/skills/financial-ratio-analyzer && 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-ratio-analyzer
GitHub stars
1.3k
Token cost
~1.2k tokens
SKILL.md length
458 words
Files
1
Skills in repo
274
Repo updated
First seen
Licence
Apache-2.0

At a glance

A specialized skill that deepens financial ratio analysis for investor report writing.

  • Works in 5 steps: Profitability Ratios → Liquidity Ratios → Leverage Ratios → …
  • Tasks that involve Financial analysis
  • SKILL.md covers Target Agent, 5 Financial Ratio Categories, DuPont Analysis Framework and SaaS-Specific Metrics, plus 2 more sections
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

Financial Ratio Analyzer is an agent skill from revfactory/harness-100. A specialized skill that deepens financial ratio analysis for investor report writing. Provides the financial-analyst agent with a systematic ratio analysis framework when analyzing P&L, cash flow, and financial metrics. Automatically applied in contexts such as 'financial ratio analysis', 'profitability metrics', 'liquidity analysis', 'leverage ratios', 'DuPont analysis'. However, providing audit opinions or GAAP/IFRS conversion work are outside the scope of this skill.

Its SKILL.md is about 1.2k 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 Report writing. The licence is Apache-2.0.

When your agent uses it

  • Tasks that involve Financial analysis
  • Tasks that involve Report writing

Example prompts

  • “financial ratio analysis”
  • “profitability metrics”
  • “liquidity analysis”
  • “/financial-ratio-analyzer”

Workflow steps

5 steps, taken from the step headings in SKILL.md.

  1. Profitability Ratios
  2. Liquidity Ratios
  3. Leverage Ratios
  4. Efficiency Ratios
  5. Growth Ratios

What it can do on your machine

Read from SKILL.md and the folder at commit 8e8d35c. 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

Financial Ratio Analyzer loads about 1.2k tokens when it runs. Until then it costs about 125 tokens; SKILL.md has 458 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~125
When it runs · the whole SKILL.md, loaded when a task matches
~1.2k

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 revfactory/harness-100 at commit 8e8d35c, republished under its Apache-2.0 licence (© revfactory). 458 words, ~1,210 tokens.

Download SKILL.mdSave it as .claude/skills/financial-ratio-analyzer/SKILL.md (or your agent's skills folder).
name
financial-ratio-analyzer
description
A specialized skill that deepens financial ratio analysis for investor report writing. Provides the financial-analyst agent with a systematic ratio analysis framework when analyzing P&L, cash flow, and financial metrics. Automatically applied in contexts such as 'financial ratio analysis', 'profitability metrics', 'liquidity analysis', 'leverage ratios', 'DuPont analysis'. However, providing audit opinions or GAAP/IFRS conversion work are outside the scope of this skill.

Financial Ratio Analyzer — Financial Ratio Deep Analysis Tool

A specialized skill that enhances the financial analysis capabilities of the financial-analyst agent.

Target Agent

  • financial-analyst — Uses this skill's framework during financial ratio analysis

5 Financial Ratio Categories

1. Profitability Ratios
RatioFormulaInterpretation CriteriaIndustry Benchmarks
Gross Margin(Revenue - COGS) / Revenue x 10040%+ ExcellentSaaS 70-80%, Manufacturing 25-35%
Operating MarginOperating Income / Revenue x 10015%+ GoodSaaS 20-30%, Retail 3-5%
Net MarginNet Income / Revenue x 10010%+ HealthySaaS 15-25%, Construction 2-4%
ROENet Income / Equity x 10015%+ TargetIndustry Average 10-12%
ROANet Income / Total Assets x 1005%+ HealthyFinance 0.5-1%, IT 8-15%
ROICNOPAT / Invested Capital x 100Value creation when exceeding WACCWACC+3%p+ Excellent
2. Liquidity Ratios
RatioFormulaSafety Criteria
Current RatioCurrent Assets / Current Liabilities150-200% Good
Quick Ratio(Current Assets - Inventory) / Current Liabilities100%+ Healthy
Cash RatioCash & Equivalents / Current Liabilities20%+ Minimum
Cash RunwayCash / Monthly Burn Rate18+ months recommended for startups
3. Leverage Ratios
RatioFormulaWarning Level
Debt-to-EquityTotal Debt / Equity x 100Caution above 200%
Interest CoverageEBIT / Interest ExpenseRisk below 3x
Net Debt/EBITDA(Debt - Cash) / EBITDACaution above 3x
Equity RatioEquity / Total Assets x 10030%+ Healthy
4. Efficiency Ratios
RatioFormulaImprovement Direction
Receivables TurnoverRevenue / Average ReceivablesHigher is better
Inventory TurnoverCOGS / Average InventoryVaries by industry
CCC (Cash Conversion Cycle)DSO + DIO - DPOLower is better
5. Growth Ratios
RatioFormulaStartup Criteria
Revenue Growth(Current - Prior) / Prior x 100T2D3: 3x→3x→2x→2x→2x
EPS Growth(Current EPS - Prior EPS) / Prior EPS x 100Public 15%+ Excellent
Show full SKILL.md (191 more words)Show less

DuPont Analysis Framework

Decompose ROE into 3 components to identify root causes of profitability:

ROE = Net Margin x Asset Turnover x Financial Leverage
    = (Net Income/Revenue) x (Revenue/Total Assets) x (Total Assets/Equity)

5-Factor DuPont Extension:

ROE = Tax Burden x Interest Burden x Operating Margin x Asset Turnover x Leverage
    = (NI/EBT) x (EBT/EBIT) x (EBIT/Revenue) x (Revenue/Total Assets) x (Total Assets/Equity)

SaaS-Specific Metrics

MetricFormulaHealth Criteria
ARRMRR x 12YoY 100%+ growth (early stage)
NRR(Beginning MRR + Expansion - Contraction - Churn) / Beginning MRR115%+ Excellent
LTVARPA x Gross Margin / Monthly Churn RateLTV/CAC > 3x
CACSales & Marketing Expense / New CustomersPayback < 18 months
Rule of 40Revenue Growth Rate (%) + Operating Margin (%)40%+ Target
Magic NumberNet New ARR / Prior Quarter S&M Expense0.75+ Good
Burn MultipleNet Burn / Net New ARRBelow 1.5x Efficient

Ratios to Emphasize by Investor Type

Investor TypeKey Ratios of InterestFraming
VC (Early)Growth Rate, Burn Rate, RunwayEmphasize growth potential
VC (Late)Unit Economics, Rule of 40Prove efficient growth
PEEBITDA Margin, FCF, ROICEmphasize cash generation
Public ShareholdersEPS, ROE, Dividend YieldShareholder value return
CreditorsInterest Coverage, Debt-to-EquityEmphasize repayment stability

Analysis Report Writing Principles

  1. Period-over-Period Variance Analysis — QoQ/YoY changes and causes for each ratio
  2. Industry Benchmark Comparison — Positioning vs. peer top/bottom 25%
  3. Warning Flags — Auto-highlight items deviating from threshold values
  4. Trend Interpretation — Derive patterns from 3-5 quarter trends

© revfactory, Apache-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

Just SKILL.md in en/51-investor-report/.claude/skills/financial-ratio-analyzer of revfactory/harness-100.

Open the folder on GitHubat commit 8e8d35c

Compare with similar skills

Financial Ratio Analyzer 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 Ratio Analyzer compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Financial Ratio Analyzer this skillrevfactory/harness-1001.3k—~1.2kAutomated safety check: PassApache-2.0
Strategy Performance Reporttradesdontlie/tradingview-mcp6.8k2 repos~591Automated safety check: PassCustom licence
A-Share Daily Reviewqusong0627/QuantMind1.7k—~1.9kAutomated safety check: PassAGPL-3.0
Investment Research Report Writing Overlayxbtlin/ai-berkshire17k—~2.4kAutomated safety check: PassMIT
Insurance Operations Analysiszj-unicom-ai/UniEmployee360—~646Automated safety check: PassMIT
Finance Opsericosiu/ai-marketing-skills3.6k1 repos~1.4kAutomated safety check: PassMIT

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Questions about Financial Ratio Analyzer

What does Financial Ratio Analyzer do?

A specialized skill that deepens financial ratio analysis for investor report writing. Financial Ratio Analyzer is an agent skill from revfactory/harness-100. A specialized skill that deepens financial ratio analysis for investor report writing.

When should I use Financial Ratio Analyzer?

Financial Ratio Analyzer fits situations like: tasks that involve Financial analysis; tasks that involve Report writing.

How do I install Financial Ratio Analyzer in Claude Code?

Run `npx skills add revfactory/harness-100 --skill financial-ratio-analyzer -a claude-code`. Or copy the skill folder (en/51-investor-report/.claude/skills/financial-ratio-analyzer in revfactory/harness-100) into .claude/skills/financial-ratio-analyzer in your project. Claude Code loads it when a task matches its description.

How do I install Financial Ratio Analyzer in Codex?

Run `npx skills add revfactory/harness-100 --skill financial-ratio-analyzer -a codex`. Or copy the skill folder (en/51-investor-report/.claude/skills/financial-ratio-analyzer in revfactory/harness-100) into .agents/skills/financial-ratio-analyzer in your project. Codex loads it when a task matches its description.

Can I use Financial Ratio Analyzer 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 revfactory/harness-100 --skill financial-ratio-analyzer -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-ratio-analyzer, .gemini/skills/financial-ratio-analyzer, .github/skills/financial-ratio-analyzer and .opencode/skills/financial-ratio-analyzer in your project.

What does Financial Ratio Analyzer need to run?

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

Does Financial Ratio Analyzer 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 Ratio Analyzer 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 Ratio Analyzer use?

Financial Ratio Analyzer is published under the Apache-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 Ratio Analyzer use?

About 1.2k tokens (SKILL.md is roughly 4.8k 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 Financial Ratio Analyzer?

Skills that share tags, products or a category with Financial Ratio Analyzer: Strategy Performance Report (tradesdontlie/tradingview-mcp, 6.8k stars), A-Share Daily Review (qusong0627/QuantMind, 1.7k stars), Investment Research Report Writing Overlay (xbtlin/ai-berkshire, 17k stars) and Insurance Operations Analysis (zj-unicom-ai/UniEmployee, 360 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Financial Ratio Analyzer?

revfactory (a GitHub user) maintains it in revfactory/harness-100, which has 1,295 GitHub stars. The repository holds 274 skills in this directory. The repository was last updated on March 22, 2026.

Source: revfactory/harness-100 on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.