financial-statement-analysis SKILL.md skillA

financial-statement-analysis from cbrock84/headcount is an agent skill: a SKILL.md folder an AI agent loads when a task calls for it.

Install it, pinned
mdr add cbrock84/headcount/financial-statement-analysis@git:20260916.0e7cd01

Pins git:20260916.0e7cd01 in mdr.lock. Pin the fingerprint instead.

Audit grade
A, 17 of 17 checks passed
Kind
SKILL.md skill
Repository
cbrock84/headcount
Path
plugins/finance/skills/financial-statement-analysis/SKILL.md
Versions recorded
2
Latest version
git:20260916.0e7cd01, committed Sep 16, 2026
First version recorded
Sep 1, 2026
Size
5,079 bytes
Repository stars
2,543
License
MIT

Reads a set of financial statements and establishes what changed and why — fluctuation analysis against prior period and against budget, profitability, liquidity, solvency and efficiency ratios, benchmarking, and the non-GAAP measures presented alongside them. Use this to interpret results, review a counterparty's or target's financials, diagnose a deteriorating trend, explain a variance to someone who will act on it, or test whether an adjusted number is honest.

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

# Financial statement analysis

The statements tell you what happened. Analysis tells you why, and whether it continues.

## Read the three statements against each other

A single statement is almost never enough. The income statement reports profit, the cash flow
statement reports cash, and the gap between them is usually the story.

- **Net income rising while operating cash flow falls** is the signal worth chasing first. It means
  working capital is absorbing the growth, or revenue is being recognized ahead of collection.
- **The balance sheet is a point in time**; the other two cover a period. Comparing a period figure
  to a point-in-time balance without averaging the balance overstates efficiency ratios.
- **Read the notes.** Concentration of customers, debt maturities, commitments, related parties,
  and subsequent events routinely matter more than anything on the face of the statements.

## Do fluctuation analysis before you compute a single ratio

Compare against the prior period **and** against budget. They answer different questions: prior
period tells you what changed, budget tells you whether you understood your own business.
…

Read the whole file at its exact version.

How to install

The exact contents, by fingerprint
mdr add cbrock84/headcount/financial-statement-analysis@sha256:b85fb99b537d4f74

The line at the top of this page pins the label git:20260916.0e7cd01, 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_ushccxhx22nyyyl2.svg)](https://markdownregistry.com/a/art_ushccxhx22nyyyl2)

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

Versions

The registry has recorded 2 versions of this file, between Sep 1, 2026 and Sep 16, 2026, about one every 15 days.

versioncommittedcommitsizeaudit
git:20260916.0e7cd01 latest2026-09-16 0e7cd01 5,079 BA view · diff
git:20260901.26b600b2026-09-01 26b600b 4,740 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 (5079 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

cbrock84/headcount · 2,543 stars · license MIT · pushed 2026-10-18 · branch main

API

GET https://markdownregistry.com/api/v1/artifacts/art_ushccxhx22nyyyl2
GET https://markdownregistry.com/api/v1/resolve?ref=cbrock84/headcount/financial-statement-analysis
GET https://markdownregistry.com/api/v1/blob/b85fb99b537d4f7478f5c6ae63c96dd752b5e9e20a412c606dac9fd2b87bc92a

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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Every file in cbrock84/headcount

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