financial-statement-review SKILL.md skillA

financial-statement-review from qa-aman/claude-skills is an agent skill: a SKILL.md folder an AI agent loads when a task calls for it.

Install it, pinned
mdr add qa-aman/claude-skills/financial-statement-review@git:20260307.8c0949a

Pins git:20260307.8c0949a in mdr.lock. Pin the fingerprint instead.

Audit grade
A, 17 of 17 checks passed
Kind
SKILL.md skill
Repository
qa-aman/claude-skills
Path
skills/by-role/accountant/financial-statement-review/SKILL.md
Versions recorded
1
Latest version
git:20260307.8c0949a, committed Mar 7, 2026
Size
7,494 bytes
Repository stars
21
License
MIT

Analyze and interpret financial statements to surface performance signals, quality concerns, and red flags. Use when an accountant says "review these financials", "analyze the income statement", "look at the balance sheet", "what does the cash flow statement tell us", "check the financial health", "ratio analysis", "are the earnings real", "working capital review", "does this company have liquidity issues", or needs to interpret any of the three core financial statements - even if they don't…

Collected from public GitHub. Every version is saved exactly as it was and never changes. Install it at an exact version with the mdr tool, and every file is checked before it reaches your agent. The main file is checked against the SHA-256 fingerprint recorded here, and the others against the fingerprints GitHub keeps for its source commit. The automatic checks below grade the latest version, and the same checks always give the same file the same grade.

What the file says

## Reference Files

- `references/industry-benchmarks.md` - Ratio benchmarks by industry (SaaS, manufacturing, retail, professional services, healthcare). Read this in Step 4 when calculating ratios and when you need industry-specific thresholds to compare against.

## Overview

Based on **"Financial Intelligence"** by Karen Berman & Joe Knight and **"The Interpretation of Financial Statements"** by Benjamin Graham. Financial statements are not just numbers - they are a compressed story of business decisions. The goal of a review is not to recite figures but to answer three questions: Is this business profitable in a way that will last? Is it financially stable? Is the reported profit converting to real cash?

Graham's core principle: always read all three statements together. The income statement shows profit; the balance sheet shows what was built with it; the cash flow statement shows whether the profit is real.

## Workflow

### Step 1: Read the Income Statement for quality of earnings

Start with the income statement and look beyond the headline net income number.

```
Revenue: [amount] - Is it growing? At what rate? Is growth organic or acquisition-driven?
…

Read the whole file at its exact version.

How to install

The exact contents, by fingerprint
mdr add qa-aman/claude-skills/financial-statement-review@sha256:f8e51a94a7267956

The line at the top of this page pins the label git:20260307.8c0949a, which is what most people want. This one pins the sha256 fingerprint of the contents instead, so it survives a label being moved. Either way the exact version is written to mdr.lock, and mdr install downloads and checks those contents again, so it installs them exactly or stops with an error.

Badge

mdr badge

[![mdr](https://markdownregistry.com/badge/art_e2i25wxlzr5ts5mz.svg)](https://markdownregistry.com/a/art_e2i25wxlzr5ts5mz)

1 badge image fetches in 30 days. What the badge shows.

Versions

The registry has recorded 1 version of this file, committed on Mar 7, 2026.

versioncommittedcommitsizeaudit
git:20260307.8c0949a latest2026-03-07 8c0949a 7,494 BA view

Audit of the latest version

A  17 of 17 checks passed. Fixed automatic checks with no AI involved, so the same checks give the same answer every run.
  • pass: Frontmatter block present
  • pass: Frontmatter declares a name
  • pass: Frontmatter declares a description
  • pass: Size between 200 bytes and 200 KB (7494 bytes)
  • pass: No zero-width or bidi control characters
  • pass: No instruction hidden inside an HTML comment
  • pass: No link to an exfiltration or paste host
  • pass: No credential-shaped string
  • pass: No instruction to send local credentials anywhere
  • pass: No text hidden with inline styles
  • pass: No prompt-injection phrasing
  • pass: No curl or wget piped into a shell
  • pass: No recursive delete of root, home or parent
  • pass: No instruction to read or print local credentials
  • pass: No base64 blob over 200 characters
  • pass: No link to a raw IP address
  • pass: No script tag

Source

GitHub

qa-aman/claude-skills · 21 stars · license MIT · pushed 2026-10-19 · branch main

API

GET https://markdownregistry.com/api/v1/artifacts/art_e2i25wxlzr5ts5mz
GET https://markdownregistry.com/api/v1/resolve?ref=qa-aman/claude-skills/financial-statement-review
GET https://markdownregistry.com/api/v1/blob/f8e51a94a72679569c108451d044108c2977843c346ffc2da5cd47a68f302608

Your AI assistant does the legwork. You hear about the deals worth your word. Hand yours the standing instructions at modelranch.com and it joins the network that reads files like this one.

Guides: the SKILL.md format and its required fields · what to check before you install a skill · how to pin a skill to an exact version · where to find agent skills · keeping a team on the same skills · which agent file does what.

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