Markitdown
ImCa0/just-laws
Convert files and office documents to Markdown. An agent skill from ImCa0/just-laws.
투자자 보고서 작성 시 재무비율 분석의 깊이를 높이는 전문 스킬. An agent skill from revfactory/harness-100.
Apache-2.0Auto-check passed
Install Financial Ratio Analyzer
$ npx skills add revfactory/harness-100 --skill financial-ratio-analyzer -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install revfactory/harness-100 financial-ratio-analyzer --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/revfactory/harness-100.git skills-src && mkdir -p .claude/skills && cp -r skills-src/ko/51-investor-report/.claude/skills/financial-ratio-analyzer .claude/skills/financial-ratio-analyzer && 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 "financial-ratio-analyzer" agent skill from https://github.com/revfactory/harness-100/tree/main/ko/51-investor-report/.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 install https://github.com/revfactory/harness-100/tree/main/ko/51-investor-report/.claude/skills/financial-ratio-analyzerType 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 revfactory/harness-100 --skill financial-ratio-analyzer -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install revfactory/harness-100 financial-ratio-analyzer --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/revfactory/harness-100.git skills-src && mkdir -p .agents/skills && cp -r skills-src/ko/51-investor-report/.claude/skills/financial-ratio-analyzer .agents/skills/financial-ratio-analyzer && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "financial-ratio-analyzer" agent skill from https://github.com/revfactory/harness-100/tree/main/ko/51-investor-report/.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.
$ npx skills add revfactory/harness-100 --skill financial-ratio-analyzer -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install revfactory/harness-100 financial-ratio-analyzer --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/revfactory/harness-100.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/ko/51-investor-report/.claude/skills/financial-ratio-analyzer .cursor/skills/financial-ratio-analyzer && 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 "financial-ratio-analyzer" agent skill from https://github.com/revfactory/harness-100/tree/main/ko/51-investor-report/.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 https://github.com/revfactory/harness-100.git --path ko/51-investor-report/.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.
$ npx skills add revfactory/harness-100 --skill financial-ratio-analyzer -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install revfactory/harness-100 financial-ratio-analyzer --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/revfactory/harness-100.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/ko/51-investor-report/.claude/skills/financial-ratio-analyzer .gemini/skills/financial-ratio-analyzer && 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 "financial-ratio-analyzer" agent skill from https://github.com/revfactory/harness-100/tree/main/ko/51-investor-report/.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.
$ gh skill install revfactory/harness-100 financial-ratio-analyzerInstalls 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 revfactory/harness-100 --skill financial-ratio-analyzer -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/revfactory/harness-100.git skills-src && mkdir -p .github/skills && cp -r skills-src/ko/51-investor-report/.claude/skills/financial-ratio-analyzer .github/skills/financial-ratio-analyzer && 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 "financial-ratio-analyzer" agent skill from https://github.com/revfactory/harness-100/tree/main/ko/51-investor-report/.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.
$ npx skills add revfactory/harness-100 --skill financial-ratio-analyzer -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install revfactory/harness-100 financial-ratio-analyzer --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/revfactory/harness-100.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/ko/51-investor-report/.claude/skills/financial-ratio-analyzer .opencode/skills/financial-ratio-analyzer && 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 "financial-ratio-analyzer" agent skill from https://github.com/revfactory/harness-100/tree/main/ko/51-investor-report/.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
- ~744 tokens
- SKILL.md length
- 386 words
- Files
- 1
- Skills in repo
- 274
- Repo updated
- First seen
- Licence
- Apache-2.0
At a glance
투자자 보고서 작성 시 재무비율 분석의 깊이를 높이는 전문 스킬. An agent skill from revfactory/harness-100.
- Works in 5 steps: 수익성 비율 (Profitability Ratios) → 유동성 비율 (Liquidity Ratios) → 레버리지 비율 (Leverage Ratios) → …
- SKILL.md covers 적용 대상 에이전트, 5대 재무비율 카테고리, DuPont 분석 프레임워크 and SaaS 특화 메트릭, 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. 투자자 보고서 작성 시 재무비율 분석의 깊이를 높이는 전문 스킬. financial-analyst 에이전트가 P&L, 현금흐름, 재무지표를 분석할 때 체계적인 비율 분석 프레임워크를 제공한다. '재무비율 분석', '수익성 지표', '유동성 분석', '레버리지 비율', 'DuPont 분석' 등의 맥락에서 자동 적용한다. 단, 회계 감사 의견 제공이나 GAAP/IFRS 전환 작업은 이 스킬의 범위가 아니다.
Its SKILL.md is about 740 tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts.
The licence is Apache-2.0.
Example prompts
- “DuPont 분석”
- “/financial-ratio-analyzer”
Workflow steps
5 steps, taken from the step headings in SKILL.md.
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 744 tokens when it runs. Until then it costs about 63 tokens; SKILL.md has 386 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.
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). 386 words, ~744 tokens.
Download SKILL.mdSave it as
.claude/skills/financial-ratio-analyzer/SKILL.md (or your agent's skills folder).- name
- financial-ratio-analyzer
- description
- 투자자 보고서 작성 시 재무비율 분석의 깊이를 높이는 전문 스킬. financial-analyst 에이전트가 P&L, 현금흐름, 재무지표를 분석할 때 체계적인 비율 분석 프레임워크를 제공한다. '재무비율 분석', '수익성 지표', '유동성 분석', '레버리지 비율', 'DuPont 분석' 등의 맥락에서 자동 적용한다. 단, 회계 감사 의견 제공이나 GAAP/IFRS 전환 작업은 이 스킬의 범위가 아니다.
Financial Ratio Analyzer — 재무비율 심층 분석 도구
financial-analyst 에이전트의 재무 분석 역량을 강화하는 전문 스킬.
적용 대상 에이전트
- financial-analyst — 재무비율 분석 시 이 스킬의 프레임워크를 활용
5대 재무비율 카테고리
1. 수익성 비율 (Profitability Ratios)
| 비율 | 공식 | 해석 기준 | 업종별 벤치마크 |
|---|---|---|---|
| 매출총이익률 | (매출 - COGS) / 매출 × 100 | 40%+ 우수 | SaaS 70-80%, 제조 25-35% |
| 영업이익률 | 영업이익 / 매출 × 100 | 15%+ 양호 | SaaS 20-30%, 유통 3-5% |
| 순이익률 | 순이익 / 매출 × 100 | 10%+ 건전 | SaaS 15-25%, 건설 2-4% |
| ROE | 순이익 / 자기자본 × 100 | 15%+ 목표 | 산업 평균 10-12% |
| ROA | 순이익 / 총자산 × 100 | 5%+ 건전 | 금융 0.5-1%, IT 8-15% |
| ROIC | NOPAT / 투하자본 × 100 | WACC 초과 시 가치창출 | WACC+3%p 이상 우수 |
2. 유동성 비율 (Liquidity Ratios)
| 비율 | 공식 | 안전 기준 |
|---|---|---|
| 유동비율 | 유동자산 / 유동부채 | 150-200% 양호 |
| 당좌비율 | (유동자산 - 재고) / 유동부채 | 100%+ 건전 |
| 현금비율 | 현금성자산 / 유동부채 | 20%+ 최소 |
| Cash Runway | 현금 / 월간 소진율 | 스타트업 18개월+ 권장 |
3. 레버리지 비율 (Leverage Ratios)
| 비율 | 공식 | 경고 수준 |
|---|---|---|
| 부채비율 | 총부채 / 자기자본 × 100 | 200% 초과 시 주의 |
| 이자보상배율 | EBIT / 이자비용 | 3배 미만 시 위험 |
| 순차입금/EBITDA | (차입금 - 현금) / EBITDA | 3x 초과 시 주의 |
| 자기자본비율 | 자기자본 / 총자산 × 100 | 30%+ 건전 |
4. 효율성 비율 (Efficiency Ratios)
| 비율 | 공식 | 개선 방향 |
|---|---|---|
| 매출채권 회전율 | 매출 / 평균 매출채권 | 높을수록 양호 |
| 재고자산 회전율 | COGS / 평균 재고 | 업종별 상이 |
| CCC (현금전환주기) | DSO + DIO - DPO | 낮을수록 양호 |
5. 성장성 비율 (Growth Ratios)
| 비율 | 공식 | 스타트업 기준 |
|---|---|---|
| 매출 성장률 | (당기 - 전기) / 전기 × 100 | T2D3: 3x→3x→2x→2x→2x |
| EPS 성장률 | (당기EPS - 전기EPS) / 전기EPS × 100 | 상장사 15%+ 우수 |
Show full SKILL.md (158 more words)Show less
DuPont 분석 프레임워크
ROE를 3단계로 분해하여 수익성의 근본 원인을 파악한다:
ROE = 순이익률 × 총자산회전율 × 재무레버리지
= (순이익/매출) × (매출/총자산) × (총자산/자기자본)5-Factor DuPont 확장:
ROE = 세후이자부담 × 이자부담 × 영업이익률 × 자산회전율 × 레버리지
= (NI/EBT) × (EBT/EBIT) × (EBIT/매출) × (매출/총자산) × (총자산/자기자본)SaaS 특화 메트릭
| 메트릭 | 공식 | 건전 기준 |
|---|---|---|
| ARR | MRR × 12 | YoY 100%+ 성장 (초기) |
| NRR | (기초MRR + 확장 - 축소 - 이탈) / 기초MRR | 115%+ 우수 |
| LTV | ARPA × 매출총이익률 / 월간이탈률 | LTV/CAC > 3x |
| CAC | 영업마케팅비 / 신규고객수 | Payback < 18개월 |
| Rule of 40 | 매출성장률(%) + 영업이익률(%) | 40%+ 목표 |
| Magic Number | 순신규ARR / 전분기 S&M비용 | 0.75+ 양호 |
| Burn Multiple | 순소진액 / 순신규ARR | 1.5x 미만 효율적 |
투자자 유형별 강조 비율
| 투자자 유형 | 핵심 관심 비율 | 프레이밍 |
|---|---|---|
| VC (초기) | 성장률, Burn Rate, Runway | 성장 잠재력 강조 |
| VC (후기) | Unit Economics, Rule of 40 | 효율적 성장 증명 |
| PE | EBITDA 마진, FCF, ROIC | 현금 창출력 강조 |
| 상장 주주 | EPS, ROE, 배당수익률 | 주주 가치 환원 |
| 채권자 | 이자보상배율, 부채비율 | 상환 안정성 강조 |
분석 보고서 작성 원칙
- 전기 대비 변동 분석 — 각 비율의 QoQ/YoY 변동과 원인
- 업종 벤치마크 비교 — 동종 업계 상위/하위 25% 대비 포지셔닝
- 경고 플래그 — 기준값 이탈 항목 자동 하이라이트
- 트렌드 해석 — 3~5개 분기 트렌드에서 패턴 도출
© 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 ko/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.
| Skill | Stars | Used in | Tokens | Auto-check | Licence | Repo updated |
|---|---|---|---|---|---|---|
| Financial Ratio Analyzer this skillrevfactory/harness-100 | 1.3k | — | ~744 | Automated safety check: Pass | Apache-2.0 | |
| MarkitdownImCa0/just-laws | 781 | 14 repos | ~3.2k | Automated safety check: Notes | MIT | |
| Technical Analysttradermonty/claude-trading-skills | 3k | 4 repos | ~4.6k | Automated safety check: Pass | MIT | |
| Creating Financial ModelsChen-zexi/open-ptc-agent | 729 | 3 repos | ~1.3k | Automated safety check: Pass | MIT | |
| Managing Google Workspacetaylorwilsdon/google_workspace_mcp | 3.3k | — | ~2.9k | Automated safety check: Pass | MIT | |
| Job Application Managerreactive-resume/reactive-resume | 44k | — | ~13k | Automated safety check: Pass | MIT |
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Questions about Financial Ratio Analyzer
What does Financial Ratio Analyzer do?
투자자 보고서 작성 시 재무비율 분석의 깊이를 높이는 전문 스킬. An agent skill from revfactory/harness-100. Financial Ratio Analyzer is an agent skill from revfactory/harness-100. 투자자 보고서 작성 시 재무비율 분석의 깊이를 높이는 전문 스킬.
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 (ko/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 (ko/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 744 tokens (SKILL.md is roughly 3k 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: Markitdown (ImCa0/just-laws, 781 stars), Technical Analyst (tradermonty/claude-trading-skills, 3k stars), Creating Financial Models (Chen-zexi/open-ptc-agent, 729 stars) and Managing Google Workspace (taylorwilsdon/google_workspace_mcp, 3.3k 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.