Agent skill

Financial Ratio Analyzer

itemsperson financial casebeforenature diagnosis financial ratio analysis tool.

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/78-personal-finance/.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/

Paste into Claude Code

Install the "financial-ratio-analyzer" agent skill from https://github.com/revfactory/harness-100/tree/main/en/78-personal-finance/.claude/skills/financial-ratio-analyzer into .claude/skills/financial-ratio-analyzer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "financial-ratio-analyzer", 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

$skill-installer install https://github.com/revfactory/harness-100/tree/main/en/78-personal-finance/.claude/skills/financial-ratio-analyzer

Type 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.

skills CLI

$ npx skills add revfactory/harness-100 --skill financial-ratio-analyzer -a codex

Project install goes to .agents/skills/; add -g for ~/.codex/skills/.

GitHub CLI

$ gh skill install revfactory/harness-100 financial-ratio-analyzer --agent codex

Project scope by default (.agents/skills/); add --scope user for a personal install.

Manual copy

$ git clone --depth 1 https://github.com/revfactory/harness-100.git skills-src && mkdir -p .agents/skills && cp -r skills-src/en/78-personal-finance/.claude/skills/financial-ratio-analyzer .agents/skills/financial-ratio-analyzer && rm -rf skills-src

Use ~/.agents/skills/ instead of .agents/skills for a personal install.

Codex skills documentation · loads skills from .agents/skills/

Paste into Codex

Install the "financial-ratio-analyzer" agent skill from https://github.com/revfactory/harness-100/tree/main/en/78-personal-finance/.claude/skills/financial-ratio-analyzer into .agents/skills/financial-ratio-analyzer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "financial-ratio-analyzer", 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.

skills CLI

$ npx skills add revfactory/harness-100 --skill financial-ratio-analyzer -a cursor

Project install goes to .agents/skills/; add -g for ~/.cursor/skills/.

GitHub CLI

$ gh skill install revfactory/harness-100 financial-ratio-analyzer --agent cursor

Project scope by default (.agents/skills/); add --scope user for a personal install.

Manual copy

$ git clone --depth 1 https://github.com/revfactory/harness-100.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/en/78-personal-finance/.claude/skills/financial-ratio-analyzer .cursor/skills/financial-ratio-analyzer && rm -rf skills-src

Use ~/.cursor/skills/ instead of .cursor/skills for a personal install.

Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/

Paste into Cursor

Install the "financial-ratio-analyzer" agent skill from https://github.com/revfactory/harness-100/tree/main/en/78-personal-finance/.claude/skills/financial-ratio-analyzer into .cursor/skills/financial-ratio-analyzer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "financial-ratio-analyzer", 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

$ gemini skills install https://github.com/revfactory/harness-100.git --path en/78-personal-finance/.claude/skills/financial-ratio-analyzer

--scope user (default) or --scope workspace; --path is the subfolder of the repo that holds the skill; --consent skips the security confirmation prompt.

skills CLI

$ npx skills add revfactory/harness-100 --skill financial-ratio-analyzer -a gemini-cli

Project install goes to .agents/skills/; add -g for ~/.gemini/skills/.

GitHub CLI

$ gh skill install revfactory/harness-100 financial-ratio-analyzer --agent gemini-cli

Project scope by default (.agents/skills/); add --scope user for a personal install.

Manual copy

$ git clone --depth 1 https://github.com/revfactory/harness-100.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/en/78-personal-finance/.claude/skills/financial-ratio-analyzer .gemini/skills/financial-ratio-analyzer && rm -rf skills-src

Use ~/.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/

Paste into Gemini CLI

Install the "financial-ratio-analyzer" agent skill from https://github.com/revfactory/harness-100/tree/main/en/78-personal-finance/.claude/skills/financial-ratio-analyzer into .gemini/skills/financial-ratio-analyzer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "financial-ratio-analyzer", 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.

GitHub CLI

$ gh skill install revfactory/harness-100 financial-ratio-analyzer

Installs 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).

skills CLI

$ npx skills add revfactory/harness-100 --skill financial-ratio-analyzer -a github-copilot

Project install goes to .agents/skills/; add -g for ~/.copilot/skills/.

Manual copy

$ git clone --depth 1 https://github.com/revfactory/harness-100.git skills-src && mkdir -p .github/skills && cp -r skills-src/en/78-personal-finance/.claude/skills/financial-ratio-analyzer .github/skills/financial-ratio-analyzer && rm -rf skills-src

Use ~/.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/

Paste into GitHub Copilot

Install the "financial-ratio-analyzer" agent skill from https://github.com/revfactory/harness-100/tree/main/en/78-personal-finance/.claude/skills/financial-ratio-analyzer into .github/skills/financial-ratio-analyzer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "financial-ratio-analyzer", 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.

skills CLI

$ npx skills add revfactory/harness-100 --skill financial-ratio-analyzer -a opencode

OpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.

GitHub CLI

$ gh skill install revfactory/harness-100 financial-ratio-analyzer --agent opencode

Project scope by default (.agents/skills/); add --scope user for a personal install.

Manual copy

$ git clone --depth 1 https://github.com/revfactory/harness-100.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/en/78-personal-finance/.claude/skills/financial-ratio-analyzer .opencode/skills/financial-ratio-analyzer && rm -rf skills-src

Use ~/.config/opencode/skills/ instead of .opencode/skills for a personal install.

OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/

Paste into OpenCode

Install the "financial-ratio-analyzer" agent skill from https://github.com/revfactory/harness-100/tree/main/en/78-personal-finance/.claude/skills/financial-ratio-analyzer into .opencode/skills/financial-ratio-analyzer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "financial-ratio-analyzer", 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.

Facts

Skill name: financial-ratio-analyzer
GitHub stars: 1.3k
Token cost: ~1.1k tokens
SKILL.md length: 71 words
Files: 1
Skills in repo: 274
Repo updated: Mar 22, 2026
First seen: Oct 9, 2026
Licence: Apache-2.0

At a glance

itemsperson financial casebeforenature diagnosis financial ratio analysis tool.

Works in 8 steps: savingsrate (Savings Rate) → nature (Consumption Ratio) → specialist ratio (Emergency Fund) → …
Tasks that involve Financial analysis
SKILL.md covers core financial ratio 8, comprehensive financial…, financial diagnosis report… and reference
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. itemsperson financial casebeforenature diagnosis financial ratio analysis tool. 'financial-analyst' and 'finance-reviewer' agent financial status diagnosisand figure verifyto do when this skill's financial ratio official, casebeforenature standard, diagnosis framework must be utilized. 'financial casebeforenature diagnosis', 'financial ratio analysis', 'total financial inspection' etc. However, investment strategy tax savings approach is outside this skill's scope.

Its SKILL.md is about 1.1k 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. The licence is Apache-2.0.

When your agent uses it

Tasks that involve Financial analysis

Example prompts

“financial-analyst”
“finance-reviewer”
“financial casebeforenature diagnosis”
“/financial-ratio-analyzer”

Workflow steps

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

savingsrate (Savings Rate)
nature (Consumption Ratio)
specialist ratio (Emergency Fund)
debtratio (Debt-to-Asset)
totaldebtexchangeratio (DTI)
week departmentrate (Housing Cost Ratio)
insurance qualitynature ratio
investmentasset ratio

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 (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 Ratio Analyzer loads about 1.1k tokens when it runs. Until then it costs about 124 tokens; SKILL.md has 71 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it: ~124
When it runs · the whole SKILL.md, loaded when a task matches: ~1.1k

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). 71 words, ~1,095 tokens.

Download SKILL.mdSave it as .claude/skills/financial-ratio-analyzer/SKILL.md (or your agent's skills folder).

name: financial-ratio-analyzer
description: itemsperson financial casebeforenature diagnosis financial ratio analysis tool. 'financial-analyst' and 'finance-reviewer' agent financial status diagnosisand figure verifyto do when this skill's financial ratio official, casebeforenature standard, diagnosis framework must be utilized. 'financial casebeforenature diagnosis', 'financial ratio analysis', 'total financial inspection' etc. However, investment strategy tax savings approach is outside this skill's scope.

Financial Ratio Analyzer — itemsperson financial ratio analysisbasis

itemsperson/ financial casebeforenature core ratio diagnosisand, improvement direction present.

core financial ratio 8

1. savingsrate (Savings Rate)

savingsrate = (month savings + investment) / taxafter month × 100

: 20%+ quality: 10-20% risk: 10% less than

taxdepartment standard:
 20versus: 15%+ (asset naturebasis)
 30versus: 20%+ (within preparation)
 40versus: 25%+ (training·retirement preparation)
 50versus: 30%+ (retirement during)

2. nature (Consumption Ratio)

nature = month expense / taxafter month × 100

: 60% or less quality: 60-80% risk: 80% exceeding

50/30/20 rule:
 required expense(week··): 50% or less
 optional expense(·): 30% or less
 savings·investment·debtexchange: 20% or more

3. specialist ratio (Emergency Fund)

specialist ratio = asset / month required expense

: 6months+ quality: 3-6months risk: 3months less than

asset: reportexample + CMA + MMF (i.e.when current possible)
required expense: week + + + insurance + communication + versusexchange

4. debtratio (Debt-to-Asset)

debtratio = total debt / total asset × 100

: 40% or less quality: 40-60% risk: 60% exceeding

included debt: weekreportversus, creditversus, specialist, , to dodepartment
included asset: department, asset, , report etc.

5. totaldebtexchangeratio (DTI)

DTI = annualbetween debt KRW exchange / annual × 100

: 30% or less quality: 30-40% risk: 40% exceeding

 versus company standard:
 weekreportversus DTI Korean: 40-60% (degreeby)
 DSR(all versus): 40% within

6. week departmentrate (Housing Cost Ratio)

week departmentrate = (monthtax or versusinterest+management) / taxafter month × 100

: 25% or less quality: 25-30% risk: 30% exceeding

included item: monthtax/versusinterest, management, week insurance
un-included: KRW exchangeminute (asset nature)

7. insurance qualitynature ratio

insurance ratio = month insurance total / taxafter month × 100

: 7-10% : 15% exceeding insufficient: 5% less than

recommended report scope:
 companyinsurance: annual × 5-10
 /actual: required
 3versus : diagnosis 3,0000,000 KRW+

8. investmentasset ratio

investmentasset ratio = (week++ETF+) / total asset × 100

recommended ratio = 100 - (%)
 25tax: 75% investment / 25% planbefore
 35tax: 65% / 35%
 45tax: 55% / 45%
 55tax: 45% / 55%

comprehensive financial casebeforenature score

comprehensive score = Σ(ratioby score × duringvalue) / Σ(duringvalue)

ratioby score:
 : 100point
 quality: 60point
 risk: 20point

duringvalue:
 savingsrate: 3.0
 specialist: 2.5
 debtratio: 2.5
 DTI: 2.0
 nature: 1.5
 week: 1.5
 insurance: 1.0
 investment: 1.0

etc.grade:
 A(85+): casebefore — quality asset nature possible
 B(70-84): casebefore — balanced status
 C(55-69): report — daydepartment improvement needed
 D(40-54): approx. — systematic improvement needed
 F(40 less than): risk — grade financial structure

financial diagnosis report capability

markdown

## itemsperson financial casebeforenature diagnosis

**diagnosisday**: [dayspecialist] | **comprehensive etc.grade**: [A/B/C/D/F] | **score**: [XX/100]

### core ratio dashboard
| ratio | current | standard | | improvement direction |
|------|--------|------|------|----------|
| savingsrate | X% | 20%+ | 🟢/🟡/🔴 | - |
| specialist | Xmonths | 6months+ | 🟢/🟡/🔴 | - |
| debtratio | X% | 40% or less | 🟢/🟡/🔴 | - |
| DTI | X% | 30% or less | 🟢/🟡/🔴 | - |

### i.e.when improvement needed (🔴)
1. [item]: current X% → goal X% (improvement method)

### improvement (🟡)
1. [item]: current X% → goal X%

### item (🟢)
1. [item]: standard

reference

Korean totaldegreeresearch, KRW standard reflected
detailed diagnosis model: references/financial-diagnosis.md reference

Files

Just SKILL.md in en/78-personal-finance/.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
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Financial Ratio Analyzer this skillrevfactory/harness-100	1.3k	—	~1.1k	Automated safety check: Pass	Apache-2.0	6 mo ago
Finance Opsericosiu/ai-marketing-skills	3.6k	1 repos	~1.4k	Automated safety check: Pass	MIT	17 days ago
Longbridge Earningshelsome/folio	271	1 repos	~2.5k	Automated safety check: Pass	None	7 days ago
Financial Analyzinghuangjia2019/claude-code-engineering	1.1k	—	~474	Automated safety check: Pass	None	2 mo ago
Earnings AnalysisWind-Alice/AliceMarket	134	3 repos	~2.2k	Automated safety check: Pass	None	1 mo ago
Buy Side Equity Research Memohaskaomni/serenity-skill	633	—	~3.8k	Automated safety check: Pass	MIT	2 mo ago

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Questions about Financial Ratio Analyzer

What does Financial Ratio Analyzer do?

itemsperson financial casebeforenature diagnosis financial ratio analysis tool. Financial Ratio Analyzer is an agent skill from revfactory/harness-100. itemsperson financial casebeforenature diagnosis financial ratio analysis tool.

When should I use Financial Ratio Analyzer?

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

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/78-personal-finance/.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/78-personal-finance/.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 1.1k tokens (SKILL.md is roughly 4.4k 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: Finance Ops (ericosiu/ai-marketing-skills, 3.6k stars), Longbridge Earnings (helsome/folio, 271 stars), Financial Analyzing (huangjia2019/claude-code-engineering, 1.1k stars) and Earnings Analysis (Wind-Alice/AliceMarket, 134 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.

Install Financial Ratio Analyzer

Facts

At a glance

What it does

When your agent uses it

Example prompts

Workflow steps

What it can do on your machine

Tool permissions

Runs code

Network

Credentials

Context cost

Safety

SKILL.md

Financial Ratio Analyzer — itemsperson financial ratio analysisbasis

core financial ratio 8

1. savingsrate (Savings Rate)

2. nature (Consumption Ratio)

3. specialist ratio (Emergency Fund)

4. debtratio (Debt-to-Asset)

5. totaldebtexchangeratio (DTI)

6. week departmentrate (Housing Cost Ratio)

7. insurance qualitynature ratio

8. investmentasset ratio

comprehensive financial casebeforenature score

financial diagnosis report capability

reference

Files

Compare with similar skills

Similar skills

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Related

Questions about Financial Ratio Analyzer