How to use the Financial Statement Analysis agent skill

What does the skill make the agent do?

Once installed, the agent works as a financial-statement analyst. It first confirms what is missing, such as the reporting entity, periods, accounting standard, currency and whether the statements are audited. It then reconciles the data: assets should equal liabilities plus equity, net profit should tie to the cash-flow statement, and revenue and cost should be on the same basis.

It then computes four groups of ratios, showing the formula for each, and builds a Word report with an executive summary, a statement overview table, one section per ratio group, signals to watch, and limitations.

• Profitability: gross margin, operating margin, net margin, ROE, ROA
• Solvency: current ratio, quick ratio, debt-to-asset ratio, interest coverage
• Efficiency: receivable days, inventory days, payable days, total asset turnover
• Cash flow: operating cash flow / net profit, free cash flow, cash-flow pattern

Install the skill from the ZIP download

Download the ZIP for this skill from our page and unzip it. Then place the folder in one of two locations, depending on how you want to use it. A personal install works across your projects, while a project install applies only to one project.

The skill is described in a single file named SKILL.md, so the unzipped folder should contain that file.

• Personal install: unzip into ~/.claude/skills/
• Project install: unzip into the .claude/skills/ folder inside your project
• Claude apps: upload the skill under Settings → Capabilities → Skills

Trigger the skill with a natural request

You do not need a special command. Ask for the kind of analysis you want in plain language, and attach your statements as PDFs, screenshots or tables. The skill is written for requests such as interpreting the three statements in an annual report, or looking at how profitability and solvency changed over several years.

Give the agent as much context as you can in the first message: the company name, the periods covered, the currency, whether the statements are audited, and who the report is for (management, investors or lenders). It will ask for anything missing.

• Interpret the three statements in this annual report
• Analyse how this company's profitability and solvency changed over the last three years
• Check my small business's financial health from these statements and tell me where cash is tight

What you get back: the Word report

The output is a Word document titled with the entity and period, followed by a financial statement analysis. The executive summary contains at most five conclusions, each with an observation, a figure and an implication. Each ratio section includes a table with the current value, prior value, change and formula, plus an interpretation that links movements to business actions such as price increases, inventory reduction, payment-term shifts or new borrowing.

The report also covers signals to watch, such as profit growing while operating cash flow falls, and a limitations section listing the data source, audit status and any missing items. The skill asks whether you want industry peer data added after delivery.

What the skill needs and safety notes

The skill refers to Word document tools available in the agent environment. If your agent cannot create Word documents, it cannot deliver the report in the intended format. You also need to supply the financial statements yourself, as PDF, screenshots or tabular data.

This skill does not run scripts and does not use the network, according to its listing. It also avoids fraud claims and buy, sell or credit recommendations. Industry averages are quoted only when you provide them or a web search finds a clearly identified source; that search is the agent's own behaviour, not something the skill itself does.

• Requires: Word document tools in the agent environment
• Requires: your own financial statements as PDF, screenshots or tables
• Runs scripts: no
• Uses network: no

Tips for better results

Supply two or three periods if you want trends. With only one period, the skill says trends are not possible and performs structural analysis only. Flag any known accounting policy change or consolidation change between periods, because the skill treats these as invalidating straight trend comparisons unless they are identified first.

If a ratio cannot be derived from your data, for example because interest expense is not broken out, the report marks it as cannot be computed rather than estimating it. Supplying the missing line item will allow the calculation.

• Give at least two periods for trend analysis
• Mention any change in accounting policy or consolidation scope
• Upload clean tables where possible so figures can be checked against each other