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financial-ratios财务比率

Agent Skill

financial-ratios 用于辅助前端页面、组件、样式和交互逻辑开发,适合在 OpenClaw 中需要维护前端项目、生成组件或检查界面实现时使用。可结合来源仓库、安装命令和原始 README 继续核验具体用法。安装前建议确认权限范围、维护状态,以及是否会触发联网、命令执行或文件读写。

总安装

7,103

周安装

302

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下载量

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OpenClaw

安装说明

本站只整理中文说明和来源信息,不托管安装包,也不代用户安装。

GitHub

来源数

2

许可证

MIT-0

最后核验

2026-05-01

来源状态

来源可访问

安装方式

通过对话安装

复制提示词发给支持本地命令或 Skills 的 AI 助手,先确认命令和权限,再让它执行。

请帮我安装这个 Agent Skill:financial-ratios(财务比率)
来源仓库:https://github.com/samledger67-dotcom/financial-ratios
安装命令:
openclaw skills install financial-ratios
安装前请先检查当前环境是否支持对应 CLI,并向我确认将要执行的命令、安装目录、联网范围和文件读写权限;确认后再执行。

命令行安装

复制命令到本机终端执行。该命令会通过 OpenClaw 从第三方来源获取 Skill;本站只展示命令,不托管安装包,也不自动执行。

ClawHubOpenClaw
openclaw skills install financial-ratios

简介

基于 QBO 数据自动计算超 25 项财务比率,输出含九标签页的 Excel 分析报告。

  • 适合会计事务所出具标准化比率诊断与同业比较服务。
  • 覆盖盈利能力、流动性、杠杆率等维度,支持历史趋势对比。
  • 使用前需确保输入数据准确,错误科目可能导致比率失真。
  • financial-ratios 属于效率类 Skill,可作为该场景下的辅助能力补充。

SKILL.md

name
Financial Ratio Analysis
slug
financial-ratios
version
1.0.0
description
>
tags
negative_boundaries

Financial Ratio Analysis — SKILL.md


When to Use This Skill

Use when a user asks for:

  • Financial ratio analysis for a QBO-connected client
  • Profitability, liquidity, leverage, or efficiency metrics
  • DuPont decomposition or Altman Z-Score analysis
  • Month-over-month, QoQ, or YoY ratio comparison
  • Ratio benchmarking against industry averages
  • Trend analysis across 6 months of ratios
  • Trend reversal detection for any financial ratio
  • CDC (change data capture) on ratio movements

NOT for:

  • Bank reconciliation → use bank-reconciliation
  • P&L variance analysis (line-item drill-down) → use pl-deep-analysis
  • Cash flow forecasting → use cash-flow-forecast
  • AR collections aging → use ar-collections
  • Budget vs. actual → use budget-vs-actual

Quick Invocation

# Standard monthly ratio report
python3 scripts/pipelines/financial-ratios.py --slug sb-paulson --month 2026-03

# Custom output directory
python3 scripts/pipelines/financial-ratios.py --slug <client-slug> --month 2026-03 --out ~/Desktop/reports

# QBO sandbox
python3 scripts/pipelines/financial-ratios.py --slug sb-paulson --month 2026-03 --sandbox

Unknown slugs use default thresholds and disable inventory/valuation ratios unless SOP file found.


What It Produces

Excel workbook saved to ~/Desktop (or --out path): FinancialRatios_{slug}_{YYYY_MM}.xlsx

TabContents
Ratio SummaryAll ratios with traffic lights, benchmarks, DuPont & Altman summary
ProfitabilityGross/Operating/Net margins, ROA, ROE, EBITDA margin + 6-mo trend
LiquidityCurrent/Quick/Cash ratios, Working capital + 6-mo trend
LeverageD/E, D/A, Interest coverage, Equity multiplier + 6-mo trend
EfficiencyAsset/Inventory/Receivable/Payable turnover, DSO, DPO, CCC + 6-mo trend
GrowthRevenue (MoM/QoQ/YoY), Expense, Net income growth + 6-mo trend
DuPont Analysis3-factor + 5-factor ROE decomposition, 6-month component trend
TrendsAll ratios × 6 months with direction arrows + trend reversal flags
CDC LogRatio changes vs. prior run with trend reversal detection

Ratio Categories

Profitability

RatioFormula
Gross Margin %Gross Profit / Revenue × 100
Operating Margin %EBIT / Revenue × 100
Net Margin %Net Income / Revenue × 100
EBITDA Margin %EBITDA / Revenue × 100
ROANet Income / Total Assets × 100
ROENet Income / Total Equity × 100

Liquidity

RatioFormula
Current RatioCurrent Assets / Current Liabilities
Quick Ratio(Current Assets − Inventory) / Current Liabilities
Cash RatioCash / Current Liabilities
Working CapitalCurrent Assets − Current Liabilities
Working Capital RatioWorking Capital / Total Assets × 100

Leverage

RatioFormula
Debt-to-EquityTotal Liabilities / Total Equity
Debt-to-AssetsTotal Liabilities / Total Assets
Interest CoverageEBIT / Interest Expense
Equity MultiplierTotal Assets / Total Equity

Efficiency

RatioFormula
Asset TurnoverRevenue / Total Assets
Inventory TurnoverCOGS / Inventory (annualized)
Receivable TurnoverRevenue / Accounts Receivable
DSO (Days Sales Outstanding)AR / (Revenue / Days)
Payable TurnoverCOGS / Accounts Payable
DPO (Days Payable Outstanding)AP / (COGS / Days)
Cash Conversion CycleDSO + DIO − DPO

Growth

RatioFormula
Revenue Growth MoM(Current − Prior) /Prior× 100
Revenue Growth QoQ(Current − 3mo ago) /3mo ago× 100
Revenue Growth YoY(Current − 12mo ago) /12mo ago× 100
Expense Growth(Current Opex − Prior Opex) /Prior Opex× 100
Net Income Growth(Current NI − Prior NI) /Prior NI× 100

Valuation (SOP-gated)

RatioFormula
Revenue MultipleEnterprise Value / (Revenue × 12)
EBITDA MultipleEnterprise Value / (EBITDA × 12)

DuPont Analysis

Three-Factor Model

ROE = Net Margin × Asset Turnover × Equity Multiplier

Five-Factor Model

ROE = Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier

Both models computed; trend shown for each component across 6 months.


Altman Z-Score

Bankruptcy risk indicator. Model selected automatically by entity_type in SOP config:

ModelUsed ForZones
Z' (Revised)Private/Services (default)Safe >2.9 \Grey 1.23-2.9 \Distress <1.23
Z (Original)ManufacturingSafe >2.99 \Grey 1.81-2.99 \Distress <1.81

Formula (Z' model): Z' = 0.717×(WC/TA) + 0.847×(RE/TA) + 3.107×(EBIT/TA) + 0.420×(BVE/TL) + 0.998×(Revenue/TA)


Traffic Light Scoring

Each ratio scores GREEN / YELLOW / RED based on thresholds configured per client SOP.

  • GREEN: Within healthy range
  • YELLOW: Watch — approaching threshold
  • RED: Action required

Thresholds are configured in CLIENT_CONFIGS within the script. Override by editing the dict or adding a client SOP file.


Trend Reversal Detection

The pipeline detects when a ratio reverses direction over the 6-month window:

  • Compares direction of first half vs. second half of history
  • Flags ⚡ Trend Reversal — Now Improving or ⚠ Trend Reversal — Now Declining
  • Flagged prominently in Trends tab and CDC Log

Client SOP Integration

Place a sop.md file at clients/{slug}/sop.md. The pipeline reads it to detect:

SOP SignalEffect
"POS collection" / "no accounts receivable"Disables AR ratios (DSO, receivable turnover)
"no inventory" / "service-based"Disables inventory ratios
"manufacturing" / "distribution"Switches to original Altman Z model
enterprise value: $XEnables valuation ratios (revenue/EBITDA multiples)
benchmark: {key} {value}Overrides specific benchmark values

Client Configuration

Add clients to CLIENT_CONFIGS in the script with:

  • ratios_enabled list (which ratios to compute/display)
  • thresholds dict per ratio: {"green": (min, max), "yellow": (min, max)}
  • benchmarks dict per ratio: Decimal values
  • entity_type: "services" or "manufacturing" (for Altman Z model)

QBO Data Pulled

ReportPurpose
P&L (current month)Revenue, COGS, OpEx, Net Income, Interest, D&A
Balance Sheet (current month-end)Assets, Liabilities, Equity, Cash, AR, Inventory, AP
Cash Flow (current month)Operating/Investing/Financing cash flows
P&L (prior month)MoM growth ratios
P&L (3 months ago)QoQ growth ratio
P&L (12 months ago)YoY growth ratio
All of the above × 6 monthsHistorical trend analysis

Total QBO calls: ~17 per run (6-month history + current + prior + QoQ + YoY)


CDC Cache

Cache stored at: .cache/financial-ratios/{slug}.json

Tracks:

  • All ratio values from prior run
  • Detects per-ratio changes (delta + % change)
  • Flags trend reversals when 6-month history available
  • Compares run-over-run for drift monitoring

Technical Notes

  • All financial math: Python Decimal (no floating-point errors)
  • Division-by-zero: returns ZERO, never crashes
  • Missing QBO lines: ZERO (safe fallback), does not inflate ratios
  • Inventory turnover: annualized (× 12 for monthly periods)
  • Interest coverage = 999.99 when no interest expense (signals no debt burden)
  • Altman Z-Score uses book value of equity (not market cap) for private company model
  • EBITDA = EBIT + D&A; EBIT = Net Income + Interest + Taxes
  • Operating margin uses EBIT as proxy for operating income if QBO doesn't separate it

Files

FileDescription
scripts/pipelines/financial-ratios.pyMain pipeline script
skills/financial-ratios/SKILL.mdThis file
.cache/financial-ratios/{slug}.jsonCDC cache per client

适合场景

01

OpenClaw 用户查找和安装 Skill 时

02

用户想查找某类 Agent Skill 时

03

需要根据任务场景推荐可安装能力包时

04

需要对比不同来源的安装命令和来源信息时

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能力 2

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能力 3

保留来源站点、仓库和原始说明,方便继续核验

能力 4

补充不同宿主或平台的使用分布数据

能力 5

展示第三方安全扫描或审计结果

安装后应在对应宿主中按原始 README 的触发条件使用;具体调用方式请以来源页面和 README 为准。

平台分布

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该 Skill 可能需要联网访问来源站点、仓库或外部 API;具体网络访问范围需要结合源码和 README 复核。

安装前确认

本站仅展示第三方公开信息,不托管安装包,不提供自动安装或运行环境。安装前应自行审查源码、依赖和命令行为。来源安全扫描存在 warning/failed 结果,不能写成本站确认安全。当前只有一个来源,正式发布前建议补源仓库或其他目录站核验。

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