Skill: finskills/finskills-us-stock-analyzer (version 1.0.1)

--- name: US Stock Analyzer version: 1.0.0 description: "Perform institutional-grade analysis of any US-listed stock using real-time and fundamental data from the Finskills API." author: finskills homepage: https://github.com/finskills/us-stock-analyzer credentials: - name: FINSKILLS_API_KEY description: "Finskills API key — register for free at https://finskills.net (Pro plan unlocks historical data, financials, and batch quotes)" required: true link: https://finskills.net --- # US Stock Analyzer Perform institutional-grade analysis of any US-listed stock using real-time and fundamental data from the Finskills API. Delivers a structured investment report covering business quality, financial health, valuation, analyst consensus, and key risks — all in a single conversation turn. --- ## Setup **API Key required** — [Register at https://finskills.net](https://finskills.net) to get your free key (Pro plan for full functionality). Set your key as: `FINSKILLS_API_KEY=your_key_here` All requests use header: `X-[REDACTED_SECRET]` --- ## When to Activate This Skill Activate when the user: - Asks to "analyze", "research", "evaluate", or "deep dive" into a specific stock - Provides a ticker symbol and asks for an investment opinion - Requests a buy/sell/hold assessment on a US equity - Asks for fundamental analysis, valuation, or earnings quality review --- ## Required Information Before starting, resolve: 1. **Ticker symbol** — e.g., `AAPL`, `NVDA`, `MSFT`. Ask if not provided. 2. **Analysis depth** — Quick (Level 1), Standard (Level 2, default), or Deep (Level 3). 3. **Investment horizon** — Short-term (< 3 months), medium (3–12 months), long-term (> 12 months). Default: long-term. --- ## Data Retrieval — Finskills API Calls Make the following API calls in parallel (all require `X-API-Key` header): ### 1. Real-Time Quote ``` GET https://finskills.net/v1/stocks/quote/{SYMBOL} ``` Extract: `price`, `change`, `changePercent`, `volume`, `marketCap`, `week52High`, `week52Low`, `avgVolume` ### 2. Company Profile ``` GET https://finskills.net/v1/stocks/profile/{SYMBOL} ``` Extract: `name`, `sector`, `industry`, `description`, `employees`, `website`, `country`, `exchange` ### 3. Financial Statements (3–5 years) ``` GET https://finskills.net/v1/stocks/financials/{SYMBOL} ``` Extract from income statement: `revenue`, `grossProfit`, `operatingIncome`, `netIncome`, `eps` Extract from balance sheet: `totalDebt`, `cashAndEquivalents`, `totalAssets`, `totalEquity` Extract from cash flow: `operatingCashFlow`, `freeCashFlow`, `capitalExpenditures` ### 4. Analyst Recommendations ``` GET https://finskills.net/v1/stocks/recommendations/{SYMBOL} ``` Extract: `strongBuy`, `buy`, `hold`, `sell`, `strongSell` counts; consensus rating; mean target price; price target range ### 5. Earnings History & Estimates ``` GET https://finskills.net/v1/stocks/earnings/{SYMBOL} ``` Extract: last 4 quarters of EPS (actual vs estimate, beat/miss); next quarter EPS estimate; revenue estimates ### 6. Institutional Holders (optional, Level 2+) ``` GET https://finskills.net/v1/stocks/holders/{SYMBOL} ``` Extract: top 5 holders, total institutional ownership %, recent changes (bought/sold) --- ## Analysis Workflow ### Step 1 — Data Validation Confirm all API calls returned `success: true`. Note which data provider served each call (`source` field). Flag any stale data (cached > 24h for quotes). ### Step 2 — Business Quality Assessment Score each dimension 1–5: | Dimension | Signals to Look For | |-----------|-------------------| | **Competitive Moat** | Market leadership, pricing power, switching costs, network effects | | **Management Quality** | Capital allocation history, FCF conversion, debt management | | **Revenue Quality** | Recurring/subscription vs one-time, customer concentration | | **Growth Trajectory** | YoY revenue growth trend (accelerating/decelerating/stable) | Calculate a composite Business Quality Score (BQS) = average of the four dimensions. ### Step 3 — Financial Health Scorecard Compute and interpret: | Metric | Formula | Benchmark | |--------|---------|-----------| | Gross Margin | grossProfit / revenue | Industry-specific | | Operating Margin | operatingIncome / revenue | > 15% healthy | | FCF Margin | freeCashFlow / revenue | > 10% excellent | | Net Debt / EBITDA | (totalDebt − cash) / EBITDA | < 2x conservative | | ROE | netIncome / totalEquity | > 15% strong | | FCF Yield | freeCashFlow / marketCap | > 4% attractive | | Current Ratio | currentAssets / currentLiabilities | > 1.5 healthy | Flag any metric outside healthy range with a ⚠️ symbol. ### Step 4 — Valuation Analysis Calculate: | Ratio | Formula | Context | |-------|---------|---------| | P/E (TTM) | price / EPS_TTM | vs sector average | | Forward P/E | price / EPS_NextYear_estimate | vs 5-yr historical avg | | EV/EBITDA | (marketCap + netDebt) / EBITDA | < 15x value zone | | P/FCF | marketCap / freeCashFlow | vs growth peers | | PEG Ratio | P/E / EPS_3yr_growth | < 1.0 undervalued | Classify valuation as: **Deep Value** / **Fair Value** / **Premium** / **Stretched** Provide a range-based fair value estimate using at least two methods (DCF implied from FCF yield, and P/E reversion to sector mean). ### Step 5 — Earnings Quality & Analyst Coverage Analyze earnings history (last 4 quarters): - Beat rate: percentage of quarters beating EPS estimates - Average surprise magnitude (positive/negative) - Revenue trend vs EPS trend (divergence signals accounting risk) Analyst consensus summary: - Consensus rating label (Strong Buy / Buy / Hold / Underperform / Sell) - Mean price target vs current price (implied upside/downside %) - Breadth: number of analysts covering the stock - Target price range (bull case vs bear case) ### Step 6 — Risk Identification Systematically identify: - **Balance sheet risk**: leverage, debt maturity, liquidity - **Earnings risk**: customer concentration, cyclicality, margin pressure trends - **Macro risk**: interest rate sensitivity, FX exposure, commodity input costs - **Regulatory/ESG risk**: industry-specific regulatory environment - **Valuation risk**: how much multiple compression would hurt total return ### Step 7 — Investment Verdict Based on all data, output: - **Rating**: STRONG BUY / BUY / HOLD / AVOID / SELL - **12-Month Price Target**: derived from valuation analysis (base case) - **Bull Case / Bear Case**: target under favorable / adverse scenario - **Confidence Level**: HIGH / MEDIUM / LOW (based on data completeness and earnings predictability) --- ## Output Format ``` ═══════════════════════════════════════════════════ US STOCK ANALYSIS REPORT — {TICKER} ({DATE}) ═══════════════════════════════════════════════════ 📌 COMPANY SNAPSHOT {Company Name} | {Sector} | {Industry} Price: ${price} Change: {change}% Market Cap: ${marketCap} 52-Week Range: ${week52Low} — ${week52High} 📊 BUSINESS QUALITY SCORE: {BQS}/5 ◦ Competitive Moat: {score}/5 — {brief rationale} ◦ Management Quality: {score}/5 — {brief rationale} ◦ Revenue Quality: {score}/5 — {brief rationale} ◦ Growth Trajectory: {score}/5 — {brief rationale} 💰 FINANCIAL HEALTH Revenue Growth (YoY): {%} | Gross Margin: {%} | Operating Margin: {%} FCF Margin: {%} | Net Debt/EBITDA: {x} | ROE: {%} [⚠️ Flag any concerns] 📐 VALUATION TTM P/E: {x} | Forward P/E: {x} | EV/EBITDA: {x} P/FCF: {x} | PEG: {x} Assessment: {Deep Value / Fair Value / Premium / Stretched} Fair Value Range: ${low} — ${high} 📈 ANALYST CONSENSUS Rating: {consensus} | Mean Target: ${target} ({upside}% upside) Distribution: {strongBuy}SB / {buy}B / {hold}H / {sell}S / {strongSell}SS Analysts: {count} | Target Range: ${low} — ${high} 📋 EARNINGS QUALITY Beat Rate: {%} ({n}/{total} quarters) | Avg Surprise: {+/-}% Next Quarter EPS Estimate: ${estimate} ⚠️ KEY RISKS 1. {Risk 1} 2. {Risk 2} 3. {Risk 3} 🎯 INVESTMENT VERDICT Rating: {STRONG BUY / BUY / HOLD / AVOID / SELL} 12M Target: ${target} (Base: ${base} | Bull: ${bull} | Bear: ${bear}) Confidence: {HIGH / MEDIUM / LOW} Horizon: {investment horizon} Thesis Summary: {2–3 sentence bull case} Key Risks: {1–2 sentence risk summary} ═══════════════════════════════════════════════════ ``` --- ## Formatting Rules - Always show data source (`source` field from API response) in a footnote. - If an API call fails, note "Data unavailable" for that section — do not omit the section header. - Round monetary values to 2 decimal places; percentages to 1 decimal place. - Do not provide financial advice. Frame all outputs as analytical research. --- ## Limitations - Financial statements may lag by 1 quarter (SEC filing cadence). - Analyst targets represent consensus forecasts, not guarantees. - This skill does not execute trades or interact with brokerage accounts.


Security scan verdicts — ClawScan: clean | static analysis: clean | VirusTotal: clean | SkillSpector: clean (LOW)