Analyze financial health using ratio categories: profitability, liquidity, leverage, efficiency, and valuation.
SkillScore82Maintained
Automatic
◆Finance & Accounting pack
Last verified 8/28/2026
What it changes
Passed 17 of 21 test cases with the skill, and 13 of 21 without it.
Without skill64%
With skill82%
Checks it passed that the model alone missed
List the declining net margin as a specific warning flag.
Create a dedicated `## Red Flags` section in the evaluation report.
Recommend trailing twelve-month comparisons to eliminate seasonal distortion.
and 2 more in the full report
4 fixed14 passed either way4 still failing0 broke
Pass-rate lift
+18 pp
Tokens
+86%
Agent turns
0%
Response time
+34%
Model gemini-3.6-flashMeasured 8/28/2026v118 of 22 cases passed with skill · 21 comparable
Tokens, turns and time describe resource use, not a dollar price.
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
Toys Direct reports Current Ratio of 3.2 in Q3 (pre-holiday inventory buildup) and 1.1 in Q1 post-holiday. Evaluate their liquidity and working capital stability.
What was checked, without and with the skill
Checked
Without skill
With skill
Account for seasonal inventory fluctuations when assessing short-term liquidity.
Passed
Passed
Recommend trailing twelve-month comparisons to eliminate seasonal distortion.
Missed
Passed
case-13 · gemini-3.6-flash · 8/28/2026 · answers are capped and redacted
What's inside
The instructions your model reads when the skill loads.
SKILL.md163 lines3 filesincludes scripts
Financial Ratio Analysis
Overview
Financial ratio analysis transforms raw financial statements into comparable metrics across five categories. Ratios are meaningful only in context — compare against industry benchmarks, historical trends, and peer companies.
When to Use
Trigger conditions:
User has financial statements and needs to assess company health
User comparing financial performance across companies
User performing due diligence or credit analysis
User asks "is this company financially healthy?" or "analyze these numbers"
When NOT to use:
For valuation → use DCF or comparables
For ROE deep-dive → use DuPont Analysis
For strategic assessment → use SWOT
Framework
IRON LAW: Ratios Without Context Are Meaningless
A current ratio of 1.5 means nothing alone. Is 1.5 good? Compare to:
1. Industry average (retail ~1.2, manufacturing ~1.8)
2. Company's own trend (was it 2.0 last year? → declining liquidity)
3. Peers (competitor has 2.5? → relatively weak)
NEVER report a ratio without at least one comparison point.
IRON LAW: All Five Categories, Every Time
Analyzing only profitability misses a leveraged company about to default.
Analyzing only liquidity misses a profitable company's growth potential.
Cover all five categories for a complete picture.