Residual Income valuation, EVA Economic Value Added, excess return valuation, book value plus economic profit, financial institution valuation, bank valuation, insurance company valuation
NewMaintained
Automatic
◆Finance & Accounting pack
Last verified 10/6/2026
What it changes
6 of 22 test cases passed with the skill.
Pass-rate lift
—
Tokens
+23%
Agent turns
0%
Response time
-59%
Model gemini-3.6-flashMeasured 10/6/2026v16 of 22 cases passed with skill · 6 comparable
Tokens, turns and time describe resource use, not a dollar price.
Lift withheld: 6 comparable cases; this report requires 8.
See it in action
One of 4 test cases the skill fixed. Same model, same prompt, with and without the skill.
1 of 4
Prompt
When executing data retrieval API calls for balance sheet and price details on PNC Financial Services (PNC), which custom HTTP header must be included on every tool request?
What was checked, without and with the skill
Checked
Without skill
With skill
Includes the X-Agentii-Trace header on all tool calls.
Missed
Passed
case-12 · gemini-3.6-flash · 10/6/2026 · answers are capped and redacted
What's inside
The instructions your model reads when the skill loads.
SKILL.md110 lines4 files
Residual Income / Economic Value Added (EVA) Valuation
Values a company as: Book Value + Present Value of Future Economic Profit. Economic profit = earnings ABOVE the required return on equity. Especially valuable for financial institutions (banks, insurers) where DCF is problematic due to the nature of debt (it's inventory, not capital) and for capital-intensive firms. Also known as the Edwards-Bell-Ohlson (EBO) model in academic literature.
Preflight
Run the canonical pre-flight sequence — MCP health probe, ticker resolution, workspace style.md override, memory load, and coverage check. See contracts/preflight.md.
Include the X-Agentii-Trace header on every tool call per contracts/x-agentii-trace-header.md.
Triggers
residual income valuation {ticker}
EVA valuation {ticker}
economic value added {ticker}
excess return model {ticker}
book value plus economic profit {ticker}
EBO model {ticker}
bank valuation model {ticker}
financial institution valuation {ticker}
value {ticker} residual income
RI valuation {ticker}
Defaults
Parameter
Default
Notes
projection_years
5
Years of explicit residual income forecast
terminal_growth
2.5%
Perpetual RI growth (should be conservative)
cost_of_equity
CAPM
Ke = Rf + β × ERP, or manual input
Methodology
Retrieval Scope
structured_only — Residual Income uses book value from XBRL + earnings estimates + current price.
Retrieval Strategy
See contracts/retrieval.md for the canonical decision tree; skill-specific retrieval detail is in references/methodology.md.
Sum of the Parts valuation, segment-based valuation, conglomerate valuation, business segment analysis, breakup value, segment sum valuation, parts worth more than whole, hidden asset value