financial-analysis
- Repo stars 669
- Author updated Live
- Author repo novalclaw
- Domain
- Other
- Compatible agents
-
- Claude Code
- Cursor
- Cline
- Codex
- Windsurf
- Gemini CLI
- +20
- Trust score
- 88 / 100 · community maintained
- Author / version / license
- @Superagentsys · no license declared
- Token usage
- Lean
- Setup complexity
- Plug-and-play
- External API key
- Not required
- Operating systems
- Unspecified (assume cross-platform)
- Runtime requirements
- No special requirements
- Permissions
-
- Read-only
- Write / modify
- Network behavior
- Local-only
- Install commands
- 26 variants
Profile is derived at build time from SKILL.md and install vectors. Subject to drift from author intent.
Heads up: 未限定 allowed-tools,默认拥有全部工具权限。
---
name: financial-analysis
description: 用于对上市公司或非上市主体的财务报表与经营质量进行结构化分析;不替代持牌投资顾问意见,需提示用户自主决策与合规边界。 runs entirely locally. Works with Cla…
category: other
runtime: no special runtime
---
# financial-analysis output preview
## PART A: Task fit
- Use case: 用于对上市公司或非上市主体的财务报表与经营质量进行结构化分析;不替代持牌投资顾问意见,需提示用户自主决策与合规边界。 runs entirely locally. Works with Claude Code, Cursor, Cline and 23 more..
- Inputs: target material, constraints, expected output, and acceptance criteria.
- Evidence boundary: follow “何时启用 / 分析流程 / 输出要求” and do not present inference as author intent.
## PART B: Execution result
- **01** The card summarizes the use case; runtime output centers on “用于对上市公司或非上市主体的财务报表与经营质量进行结构化分析;不替代持牌投资顾问意见,需提示用户自主决策与合规边界。 runs entirely locally. Works with Claude Code, Cursor, Cline and 23 more.”.
- **02** When the source has headings, the agent prioritizes “何时启用 / 分析流程 / 输出要求” so the result follows the author’s structure.
- **03** Typical output includes task judgment, concrete steps, required commands or file edits, validation, and follow-up options.
- **04** Risk context follows the fingerprint: read files, write/modify files; mostly runs locally; usually needs no extra API key.
## Running Rules
- read files, write/modify files; mostly runs locally; usually needs no extra API key.
- Validate with a small sample before expanding scope.
- Return the result, validation criteria, and next iteration options. The source does not require a stable slash command. After installation, invoke the skill by name and describe the task.
Name target files or source material, expected output, forbidden changes, and whether network or shell access is allowed. Permission fingerprint: read files, write/modify files.
Start with a small task and check whether the result follows “何时启用 / 分析流程 / 输出要求”. Inspect diffs, logs, previews, or tests before expanding scope.
Confirm the final output includes a concrete result, evidence, and next action. If it stays generic, tighten inputs, boundaries, and acceptance criteria.
---
name: financial-analysis
description: 用于对上市公司或非上市主体的财务报表与经营质量进行结构化分析;不替代持牌投资顾问意见,需提示用户自主决策与合规边界。 runs entirely locally. Works with Cla…
category: other
source: Superagentsys/novalclaw
---
# financial-analysis
## When to use
- 用于对上市公司或非上市主体的财务报表与经营质量进行结构化分析;不替代持牌投资顾问意见,需提示用户自主决策与合规边界。 解读利润表、资产负债表、现金流量表及附注要点 计算并解释 盈利能力、成长性、运营效率、偿债能力、现金创造 等比率 同业…
- Use it when the task has clear inputs, repeatable steps, and validation criteria.
## What to provide
- Target material, scope, expected result, and forbidden changes.
- Whether network, commands, file writes, or external services are allowed.
## Execution rules
- Organize steps around “何时启用 / 分析流程 / 输出要求” and keep inference separate from source facts.
- read files, write/modify files; mostly runs locally; usually needs no extra API key.
- Validate with a small sample before expanding the task.
## Output requirements
- Return the deliverable, key evidence, validation method, and next action.
- Mark missing information as unknown; do not invent commands, platforms, or dependencies. The author source anchors workflow facts; repository files anchor sources and commands; Fluxly only adds fit, limitations, and quality judgment.
skill "financial-analysis" {
input -> user goal + target files + boundaries + acceptance criteria
context -> 何时启用 / 分析流程 / 输出要求
rules -> SKILL.md triggers / order / output contract
runtime -> no special runtime | read files, write/modify files | mostly runs locally
guardrails -> usually needs no extra API key + small-sample validation + diff/log review
output -> copyable result + checklist + next iteration
} 金融分析(财务报表与经营质量)
用于对上市公司或非上市主体的财务报表与经营质量进行结构化分析;不替代持牌投资顾问意见,需提示用户自主决策与合规边界。
何时启用
在以下场景主动运用本技能:
- 解读利润表、资产负债表、现金流量表及附注要点
- 计算并解释 盈利能力、成长性、运营效率、偿债能力、现金创造 等比率
- 同业对比、历史趋势、结构性变化(收入确认、费用、一次性项目)
- 识别红旗:应收/存货异常、商誉、关联交易、资本化 vs 费用化、现金流与利润背离
分析流程
- 明确标的与时间范围:报告期、币种、会计准则(CAS / IFRS / US GAAP)、是否并表。
- 三张表联动:利润 → 资产负债变动 → 现金流验证;优先看 经营现金流 与净利润匹配度。
- 比率套件(按场景选取,给出公式与口径):
- 盈利:毛利率、营业利润率、净利率、ROE、ROA、ROIC
- 成长:营收/毛利/净利 YoY、环比;同店/分部增速(若披露)
- 效率:资产周转、存货/应收周转天数、现金循环周期
- 杠杆与偿债:资产负债率、有息负债、利息覆盖、流动/速动比率
- 现金:FCF、FCF 转化率、资本开支与折旧关系
- 质量与风险:盈利可持续性、一次性项目剥离后利润、分部披露、前五大客户/供应商集中度。
- 输出结构:执行摘要 → 关键数据表 → 比率解读 → 主要假设与局限 → 需进一步核实的问题。
输出要求
- 数字须注明单位与报告期;同比/环比说明清楚。
- 对缺失数据明确写「未披露」或「无法从给定材料推断」,避免臆测。
- 涉及投资建议时,使用情景分析与风险提示,避免单一目标价承诺。
- 中国大陆市场可提示:业绩预告/快报规则、ST 风险、分红与再融资约束等一般性合规提示(非法律意见)。
质量检查清单
- 口径一致(非经常性损益是否剔除、是否扣非)
- 现金流与利润逻辑自洽
- 同业对比使用可比口径
- 重要假设已列出敏感性
Decide Fit First
Design Intent
How To Use It
Boundaries And Review