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Financial Modeling · cowork-os | DecimalAI

cowork-os/financial-modeling

NewSkillScoreMaintained

Build and analyze three-statement financial models with integrated income statement, balance sheet, and cash flow projections, scenario analysis, and key driver assumptions.

financeby cowork-os

Links this skill to your agents and keeps it current with the author’s updates.

Automatic

Finance & Accounting pack

1 · One-time — install the CLI (docs ↗)

pip install decimalai

2 · Get the skill — writes .claude/skills/cowork-os-financial-modeling/SKILL.md

decimalai skills pull cowork-os-financial-modeling --out .claude/skills/

No CLI? Get the same file — curl · raw file

curl -fsSL --create-dirs -o .claude/skills/cowork-os-financial-modeling/SKILL.md https://app.decimal.ai/s/cowork-os-financial-modeling/SKILL.md

Raw file: /s/cowork-os-financial-modeling/SKILL.md ↗ · machine-readable summary at /s/cowork-os-financial-modeling.json ↗

In productionGlobal

how this skill behaves on real traffic · last 30 days

No production data for this skill yet — usage numbers appear here once agents start running it.

Anonymized aggregate across every org using this skill — proof from real production use, not a demo.

Does this skill help? · Benchmark: with vs. withoutsign in to run this on your agents

22 test cases from the publisher’s eval.yaml · each run twice on gemini-3.6-flash — with the skill injected, then without · last run 6h ago

No — -22% lift+20% tokens0% turns32% of whole cases pass with skill (7/22)

Test case	Without → With	Effect	Δ tokens	Δ turns
case-07	✗→✓	▲ Improved	8%	0%
case-06	✓→✗	▼ Worse	32%	0%
case-14	✓→✗	▼ Worse	67%	0%
case-20	✓→✗	▼ Worse	8%	0%
case-03	✓→✓	＝ Same ✓	1%	0%

Showing 5 of 22 cases

SkillSafety

✓ 3 of 3 passed

Code scan15 of 15 checks clean

0 critical · 0 warning · 0 info — scanner v4 — 8/3/2026

live_secretremote_code_executionreverse_shelldata_exfiltrationssrf_metadataagent_snoopinganti_refusaldestructive_commandsobfuscated_unicodeunicode_homoglyphopaque_blobsuspicious_urltool_overreachtrigger_abuseprompt_injection_phrasing

IntentSafe

LLM judge · does the skill do what it claims

ContentClean

LLM judge · policy & harmful-content review

Source

Imported

cowork-os / cowork-os

resources/skills/financial-modeling/SKILL.md

View on GitHub ↗

License MITImported 8/3/2026Version v1Bundled 2 files · scripts

Skill contents

scripts/

references/

SKILL.md

Financial Modeling

Purpose

Build and analyze three-statement financial models with integrated income statement, balance sheet, and cash flow projections, scenario analysis, and key driver assumptions.

Routing

Use when: Use when the user asks about building a financial model, three-statement model, income statement projection, balance sheet forecasting, cash flow modeling, scenario analysis, or linking financial statements together.
Do not use when: Do not use when the request is purely about valuation (use DCF Valuation), portfolio management, or non-financial-model analysis like earnings reviews.
Outputs: Outcome from Financial Modeling: integrated three-statement model with driver assumptions, projected financials, scenario analysis, and model integrity checks.
Success criteria: Returns a complete linked financial model with clearly stated assumptions, all three statements, working capital and debt schedules, scenario outputs, and balance checks.

Trigger Examples

Positive

Use the financial-modeling skill for this request.
Help me with financial modeling.
Use when the user asks about building a financial model, three-statement model, income statement projection, balance sheet forecasting, cash flow modeling, scenario analysis, or linking financial statements together.
Financial Modeling: provide an actionable result.

Negative

Do not use when the request is purely about valuation (use DCF Valuation), portfolio management, or non-financial-model analysis like earnings reviews.
Do not use financial-modeling for unrelated requests.
This request is outside financial modeling scope.
This is conceptual discussion only; no tool workflow is needed.

Parameters

| Name | Type | Required | Description | |---|---|---|---| | modelType | select | Yes | Type of financial model to build | | company | string | Yes | Company name or ticker symbol | | question | string | Yes | Your specific modeling question | | historicalData | string | No | Historical financial data or key metrics (e.g., last 3 years revenue, margins) | | assumptions | string | No | Key assumptions to use (e.g., 15% revenue growth, 30% EBITDA margin target) |

Runtime Prompt

Current runtime prompt length: 1117 characters.
Runtime prompt is defined directly in ../financial-modeling.json.

Want to see if cowork-os/financial-modeling would activate on your phrasing? Try it before you install — no LLM call, no signup.

Latest benchmark · publisher runVerified

8/20/2026, 17:33 UTC · 22 cases

Lift

-22%

33% vs 56%

Agent turns

1.0 vs 1.0

Tokens

+20%

6,397 vs 5,347.18

fail → pass · 1pass → pass · 6fail → fail · 12pass → fail · 3

Per-case results (22)

Case	Status	Duration (ms)			Turns			Tokens			Tool calls
Case	Status	Without	With	Δ	Without	With	Δ	Without	With	Δ	Without	With	Δ
case-01 I need a complete three-statement financial forecast for Acme Corp over the next 5 years. Please lay out the core driver assumptions like annual revenue growth and operating margins, project the income statement, balance sheet, and cash flow, and include working capital schedules. Make sure the balance sheet balances with an explicit integrity check and provide a best-case and worst-case scenario analysis.	fail→fail	29,362	26,590	-9%	1	1	0%	6,217	6,703	+8%	0	0	—
case-02 Please generate an integrated financial model for a private SaaS startup preparing for a funding round. I need key operating drivers, full income statement, cash flow, and balance sheet projections for the next 3 years, along with working capital dynamics. Ensure there are balance checks to confirm full linkage between the statements and include sensitivity outcomes for lower market adoption.	fail→fail	27,574	29,664	+8%	1	1	0%	6,209	6,695	+8%	0	0	—
case-03 We are evaluating an acquisition of Apex Retail Corp and need to determine its intrinsic equity value per share. Calculate the Weighted Average Cost of Capital (WACC), project free cash flows to firm, and perform a Discounted Cash Flow valuation with terminal value using both perpetual growth and exit multiple methods.	pass→pass	26,919	25,288	-6%	1	1	0%	6,199	6,247	+1%	0	0	—
case-04 Our investment team manages an asset allocation strategy across US equities, emerging market debt, and commodities. Given target asset weights, expected annual returns, and covariance matrix, calculate the portfolio Sharpe ratio and determine the optimal rebalancing trades.	pass→pass	17,710	22,625	+28%	1	1	0%	3,662	5,295	+45%	0	0	—
case-05 Tech Dynamics Inc. just released its Q3 earnings report. Analyze their reported quarterly revenue, EPS, and GAAP operating margin relative to Wall Street consensus expectations, highlighting major positive and negative earnings surprises.	fail→fail	12,163	21,344	+75%	1	1	0%	1,889	2,377	+26%	0	0	—
case-06 Build a 3-year projection for Apex Manufacturing, which carries $20M in 6% senior notes and a $5M revolving credit line. Most standard responses just hardcode static interest expense without tracking principal paydowns. Lay out driver assumptions and integrated financial statements including debt paydowns.	pass→fail	23,655	27,034	+14%	1	1	0%	5,059	6,687	+32%	0	0	—
case-07 Project working capital for Global Logistics Corp over 3 years. Rather than assuming working capital is a fixed percentage of revenue, calculate Accounts Receivable, Inventory, and Accounts Payable using DSO (45 days), DIO (60 days), and DPO (30 days) drivers alongside full financial statements.	fail→pass	26,152	30,342	+16%	1	1	0%	6,201	6,687	+8%	0	0	—
case-08 Create a financial model for Horizon BioTech over 3 years. Base case revenue grows at 12% annually, but management wants to evaluate upside (25% growth) and downside (2% growth) cases. Provide driver assumptions, integrated statements, and side-by-side scenario comparison.	fail→fail	37,292	46,858	+26%	1	1	0%	6,014	6,688	+11%	0	0	—
case-09 Construct an integrated 3-year financial model for Vantage Goods. Make sure the balance sheet equity section correctly reflects Net Income minus cash dividend payments each period.	fail→fail	26,359	25,832	-2%	1	1	0%	6,172	6,658	+8%	0	0	—
case-10 Build a 3-year model for Titan Heavy Equipment, assuming annual capital expenditures of $4M depreciated straight-line over 5 years. Link capital expenditures and depreciation across statements with balance checks.	pass→pass	25,650	26,879	+5%	1	1	0%	6,044	6,668	+10%	0	0	—
case-11 Model Metro Retail's finances over 3 years as they expand from 50 to 80 stores (opening 10 new stores annually). Include key unit economics drivers, store buildout CapEx, and complete statement projections with integrity checks.	fail→fail	27,278	27,165	-0%	1	1	0%	6,192	6,678	+8%	0	0	—
case-12 When modeling interest expense based on average debt balances during a period, financial models can trigger circular calculation errors. Build a 3-year model for Nexus Software and specify how circular references are handled in interest expense calculations.	fail→fail	18,336	27,899	+52%	1	1	0%	3,318	6,669	+101%	0	0	—
case-13 Build a 3-year model for CloudScale SaaS, driving revenue projections through ARR additions, expansion ARR, and subscription churn rate (5% annually). Provide linked three-statement output and balance checks.	fail→fail	27,415	26,302	-4%	1	1	0%	6,181	6,668	+8%	0	0	—
case-14 Construct a 3-year forecast for Crestline Logistics using the indirect cash flow method. Ensure working capital adjustments and non-cash items reconcile starting Net Income to Net Cash from Operating Activities.	pass→fail	19,306	27,795	+44%	1	1	0%	4,003	6,665	+67%	0	0	—
case-15 Project financial statements for Nova Health, which has $10M in Net Operating Loss (NOL) carryforwards and turns profitable in Year 2. Show tax expense adjustments and full statement linkages.	fail→fail	27,035	28,562	+6%	1	1	0%	5,929	6,668	+12%	0	0	—
case-16 Model the 3-year impact on Beacon Media when issuing $30M in long-term debt to fund an immediate $30M equity share buyback. Show changes across income statement, cash flow, and balance sheet.	fail→fail	28,911	27,738	-4%	1	1	0%	6,188	6,674	+8%	0	0	—
case-17 Construct a 3-year model for Energy Transition Co where revenue is driven by sales volume (MWh) growing at 8% annually and average realized price ($/MWh) declining by 2% annually.	pass→pass	16,605	27,764	+67%	1	1	0%	3,570	6,671	+87%	0	0	—
case-18 Model Pacific Power Co over 3 years assuming a strict 50% dividend payout ratio on Net Income. Show how dividend payouts flow through financing cash flows and balance sheet equity.	pass→pass	21,795	27,705	+27%	1	1	0%	5,022	6,663	+33%	0	0	—
case-19 Show the 3-year statement forecast for Zenith Electronics, incorporating a one-time $4M inventory write-down in Year 1. Ensure all three financial statements remain fully linked and balanced.	fail→fail	27,667	28,960	+5%	1	1	0%	6,181	6,667	+8%	0	0	—
case-20 Build a 3-year integrated financial forecast for Bistro Chains Inc, incorporating operating lease right-of-use (ROU) assets and corresponding lease liabilities under ASC 842.	pass→fail	29,484	28,906	-2%	1	1	0%	6,165	6,665	+8%	0	0	—
case-21 Provide a 3-year financial model for Orion Tech, along with a two-dimensional sensitivity matrix evaluating Year 3 Net Income under varying revenue growth rates (10% to 20%) and operating margins (15% to 25%).	fail→fail	21,864	27,919	+28%	1	1	0%	5,046	6,679	+32%	0	0	—
case-22 Construct a 4-quarter integrated financial model for Holiday Retailers Inc, reflecting strong quarterly revenue seasonality (40% in Q4) and working capital buildup in Q3.	pass→pass	27,863	27,403	-2%	1	1	0%	6,177	6,662	+8%	0	0	—

These cases were also screened by the skill’s intent / safety pass.See the Trust review ↗Reproduce this benchmark in Colab ↗

How this skill was measured

DecimalAI ran this skill against gemini-3.6-flash twice over the same eval suite — once with the skill loaded and once without — and compared the two runs case by case. 22 cases were attempted. The headline lift of -22 percentage points is the difference between those two pass rates over the 22 comparable cases. 5 cases got worse with the skill loaded, and they are included in that figure.

Model measured: gemini-3.6-flash
Graded by: gemini-3.6-flash
Grading method: judged
Verification: verified
Pass rate without the skill: 55.6%
Pass rate with the skill: 33.3%
Cases attempted: 22
Cases counted toward lift: 22
Cases that regressed: 5
Skill version measured: v1
Run completed: 8/20/2026, 17:33 UTC

Measured example — same prompt, with vs. without the skill · from the benchmark run · case case-07

Prompt

Project working capital for Global Logistics Corp over 3 years. Rather than assuming working capital is a fixed percentage of revenue, calculate Accounts Receivable, Inventory, and Accounts Payable using DSO (45 days), DIO (60 days), and DPO (30 days) drivers alongside full financial statements.

Without the skill loaded, the model failed this case. With it loaded, the same prompt on the same model passed. This is one improved case from the latest verified run; every case, including any that regressed, is in the table above.

Show both answers

SkillScore blends 4 signalsno signals yet

BenchmarkRun a verified benchmark with positive lift

Live evalNeeds ≥20 evaluated traces in 30 days

AI ratingNeeds ≥10 rated traces

AdoptionNeeds ≥10 serves across ≥2 orgs in 30 days

No signals yet — run a benchmark or collect evaluated traces to earn a score.

Verified on gemini-3.6-flash · re-tested today

Other measured skills in the registry, with their headline benchmark lift.