finance-skills 0.5.1

Analyst-style equity research over one shared engine: segment-aware Rule of 40, DCF, red flags, screening — read-only, not investment advice.

finance-skills

Analyst-style equity research from real fundamentals — one engine, many views.

Ask in plain English or call a verb. Numbers come from a single fetch → compute pipeline (Rule of 40, DCF, red flags, compare, screen…), so answers never drift between commands.

Read-only. Not investment advice. Public data only; verify against 10-K/10-Q filings before acting.

pip install finance-skills
finance-skills brief CRWV --fixture    # offline sample
finance-skills is NBIS a value trap?   # routes → redflags

Also installs as an agent skill (/finance-skills …) for Claude Code, Codex, and similar tools.

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Why this exists

Most stock helpers either invent numbers or slap a flat Rule-of-40 on everything. This project:

Principle	What you get
One engine	brief, valuation, redflags, compare, screen… all share build_report
Regime-aware Rule of 40	Neocloud / hypergrowth vs steady SaaS — EBITDA vs FCF capital-intensity gap
Fail-closed	Missing debt/cash/FCF → analysis skipped with exact missing inputs, never fabricated
Agent-ready	Deterministic keyword routing, --json, gaps + filing checklist for the next step

Sharpest on growth and capital-intensive tech (AI infra, SaaS-like names) where headline growth can hide weak cash economics. Works on any public ticker yfinance can fetch.

Methodology: references/rule40.md · references/ai-cloud.md

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Install

pip install finance-skills
finance-skills help

As an agent skill (Claude Code / Antigravity / Codex):

curl -fsSL https://raw.githubusercontent.com/notEhEnG/finance-skills/main/install.sh | bash -s -- claude
# or: bash -s -- antigravity | codex | all

Then invoke: /finance-skills is NVDA overvalued?

Live data needs network + yfinance. Offline demos: --fixture (CRWV, NBIS sample data, clearly labelled).

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Quick start

# Default stack (regime, Rule 40, multiples, solvency, flags, gaps)
finance-skills brief NVDA
finance-skills NBIS --fixture                 # bare ticker → brief

# Common questions
finance-skills valuation AAPL
finance-skills redflags PLTR
finance-skills compare AMD NVDA
finance-skills framework neocloud CRWV --fixture

# Personas & teaching
finance-skills brief NBIS --fixture --style=risk --explain
finance-skills learn rule40

# Peers & screening
finance-skills compare --preset=ai-infra --fixture
finance-skills screen "growth > 50 and fcf_margin < 0" CRWV NBIS --fixture

Plain English is routed automatically (value trap → redflags, is it a buy → valuation, default → brief). Details: SKILL.md.

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Commands

Verb	Job
brief	Default answer stack (what most questions want)
company	9-stage walkthrough
analyze	Dense full dump
valuation	Multiples + DCF + scenarios when allowed
redflags / health	Warning signs / solvency
framework	saas · neocloud · semiconductor checklist
compare	Side-by-side (+ --preset=saas|ai-infra|semiconductor|megacap)
screen / watchlist	Filter & track a universe
export	Markdown / JSON / CSV
learn	Offline concept explainers (no ticker)

Flags (where relevant): --fixture · --json · --style=value|growth|quality|risk · --explain

Aliases: val→valuation, risk→redflags, r40/growth→brief, dcf→valuation, semis→framework semiconductor.

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Example (offline fixture)

finance-skills brief CRWV --fixture — AI neocloud sample. Headline growth looks fine; cash economics and Rule of 40 do not:

═══ CoreWeave, Inc. (CRWV) — brief ═══
Source: fixture · as of 2026-Q1  [SAMPLE DATA — not live]
Price: $100   Market cap: $48.00B

Regime: ai neocloud
Rule of 40: preferred -668 vs bar 38 → BELOW BAR
  EBITDA-based 167 · FCF-based -205 · capital-intensity gap 372
  Capex-adjusted -668
  Capital-intensive: growth is burning cash faster than it earns; watch backlog/RPO and funding runway.

Valuation
  EV / Sales:   31.3x
  EV / EBITDA:  55.9x
  DCF / share:  n/a — DCF skipped because free cash flow is not positive (…)

Solvency / quality
  Revenue growth: 111.1%
  FCF margin:     -315.8%
  Capex intensity: 463.2%
  Dilution:       9.1%
  Net debt/EBITDA: 10.81x

Top red flags
  ⛔ Cash burn · ⛔ Elevated leverage · ⚠ Heavy dilution

Disabled analyses (exact inputs)
  · dcf: free cash flow is not positive → unlocks via sustainable positive FCF + …

Filing verification checklist (before trusting this output)
  · free cash flow, debt, cash, share count, capex, backlog/RPO …

That is the product thesis in one screen: same engine, regime-aware Rule of 40, fail-closed DCF, what to verify next.

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Architecture

data.py (IO only)  →  metrics.py (pure math)  →  analyze.build_report
                                                    ↓
                         brief · valuation · redflags · company · compare · …

Layer	Role
data.py	Fetch / cache / fixtures — only network module
metrics.py	Rule 40, DCF (+ scenarios), EV multiples — no I/O
analyze.py	One structured report
Views	Format & emphasize; never recompute
router.py	Tickers, aliases, keywords, CLI dispatch

Safety invariants (read-only, no brokers, no eval) are enforced in CI — see SECURITY.md.

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Development

python -m pip install -e ".[dev]"
python -m pytest tests/ -q --cov=scripts
python -m ruff check scripts tests
python -m mypy

Contributing: CONTRIBUTING.md · Changelog: CHANGELOG.md

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License

MIT · © contributors