From fundamental-analysis
This skill should be used when the user asks about debt levels, liquidity, solvency, balance sheet strength, current ratio, quick ratio, debt to equity, interest coverage, financial health, credit quality, debt maturity, leverage, debt to EBITDA, cash ratio, Tier 1 capital, or capital ratio for a specific company.
npx claudepluginhub tradeinsight-info/investment-analysis-skills --plugin fundamental-analysisThis skill uses the workspace's default tool permissions.
Assess a company's financial health by evaluating its ability to meet short-term obligations (liquidity), sustain long-term debt commitments (solvency), and withstand adverse economic conditions. Compute and interpret a comprehensive set of liquidity ratios, leverage metrics, and coverage ratios. Examine debt maturity profiles, covenant risk indicators, and off-balance-sheet obligations to prov...
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Assess a company's financial health by evaluating its ability to meet short-term obligations (liquidity), sustain long-term debt commitments (solvency), and withstand adverse economic conditions. Compute and interpret a comprehensive set of liquidity ratios, leverage metrics, and coverage ratios. Examine debt maturity profiles, covenant risk indicators, and off-balance-sheet obligations to provide a holistic view of financial resilience. Flag potential stress signals that may not be apparent from headline financial statements alone.
Consult ${CLAUDE_PLUGIN_ROOT}/skills/_shared/references/data-sources.md for full source details and fallback behavior.
Resolve the ticker. Fetch https://www.sec.gov/files/company_tickers.json using the sec-fetch skill (see data-sources.md), locate the company's CIK, and pad it to 10 digits. Cache the CIK and official company name.
Fetch structured financial data (primary). Request the SEC EDGAR XBRL company facts endpoint:
https://data.sec.gov/api/xbrl/companyfacts/CIK{10-digit-CIK}.json
Extract the following XBRL concepts:
AssetsCurrent, CashAndCashEquivalentsAtCarryingValue, ShortTermInvestments, AccountsReceivableNetCurrent, InventoryNetLiabilitiesCurrent, AccountsPayableCurrent, DebtCurrent or ShortTermBorrowingsLongTermDebt or LongTermDebtNoncurrent, LiabilitiesAssets, StockholdersEquityOperatingIncomeLoss, DepreciationDepletionAndAmortization, InterestExpense, Revenues, IncomeTaxExpenseBenefitNetCashProvidedByUsedInOperatingActivitiesFilter for fp == "FY" entries. Sort by end date descending. Collect at least five fiscal years.
Fetch pre-computed ratios (secondary). Fetch:
https://stockanalysis.com/stocks/{ticker}/financials/ratios/ — pre-computed liquidity and leverage ratioshttps://stockanalysis.com/stocks/{ticker}/financials/balance-sheet/ — balance sheet for cross-referenceFetch credit and debt detail (supplementary). For deeper credit quality analysis:
https://www.gurufocus.com/term/deb2equity/{ticker} — Gurufocus debt-to-equity historyCompute the following for each period to assess short-term financial health:
| Ratio | Formula | Healthy Range | Interpretation |
|---|---|---|---|
| Current Ratio | Current Assets / Current Liabilities | 1.5 – 3.0 | Ability to cover short-term obligations with short-term assets |
| Quick Ratio | (Cash + Short-Term Investments + Receivables) / Current Liabilities | 1.0 – 2.0 | Liquidity excluding inventory (more conservative) |
| Cash Ratio | (Cash + Short-Term Investments) / Current Liabilities | 0.5 – 1.0 | Most conservative; ability to pay obligations with cash alone |
| OCF Ratio | Operating Cash Flow / Current Liabilities | > 1.0 | Ability to cover short-term obligations from ongoing operations |
Present liquidity ratios in a multi-year table. Flag ratios that fall below the lower bound of the healthy range as potential liquidity concerns. Note that acceptable ranges vary by industry — retail and subscription businesses may operate sustainably with current ratios below 1.0 due to negative working capital models (collecting cash before paying suppliers).
A declining trend in liquidity ratios, even if above the threshold, warrants attention and narrative explanation.
Compute the following to assess long-term financial sustainability:
| Ratio | Formula | Interpretation |
|---|---|---|
| Debt-to-Equity (D/E) | Total Debt / Stockholders' Equity | Proportion of debt vs equity financing |
| Debt-to-Assets (D/A) | Total Debt / Total Assets | Percentage of assets funded by debt |
| Debt-to-EBITDA | Total Debt / EBITDA | Years of earnings needed to repay debt at current levels |
| Net Debt-to-EBITDA | (Total Debt − Cash) / EBITDA | Leverage adjusted for cash on hand; most widely used by credit analysts |
| Interest Coverage | EBIT / Interest Expense | Ability to service interest payments from operating profit |
| Fixed Charge Coverage | (EBIT + Lease Payments) / (Interest Expense + Lease Payments) | Broader coverage including lease obligations |
| Equity Multiplier | Total Assets / Stockholders' Equity | Degree of asset leverage; higher = more leveraged |
Present solvency ratios in a multi-year table. Key interpretation guidelines:
Go beyond ratios to assess qualitative credit factors:
For all ratios, analyze the trajectory across the available periods:
Flag the following as potential financial stress signals:
Consult ${CLAUDE_PLUGIN_ROOT}/skills/_shared/references/output-format.md for standard formatting rules.
Summary depth (default). Present three years of key ratios in two tables: one for liquidity (current, quick, cash ratios) and one for solvency (D/E, net debt-to-EBITDA, interest coverage). Add a brief narrative (two to three sentences) on overall financial health and any flagged concerns.
Detailed depth. Expand to five years. Include all ratios from both categories, the debt maturity profile (if available from 10-K), credit rating context, fixed-rate vs floating-rate debt breakdown, off-balance-sheet obligations, the full stress indicator checklist, and an extended narrative discussing the company's financial flexibility, refinancing risk, and trajectory relative to its sector.
Banking / Financial Services. Traditional liquidity and leverage ratios do not apply to banks. Focus on:
RiskWeightedAssets, Tier1CapitalToRiskWeightedAssetsRatio or similar XBRL concepts, or fetch from Stock Analysis ratios page.Utilities. Higher leverage is structurally acceptable due to regulated, predictable cash flows. D/E ratios of 1.0–1.5 are common. Focus on interest coverage and the regulatory environment's impact on rate recovery.
REITs. High leverage is common. Focus on net debt-to-EBITDA, interest coverage, debt maturity profile, and the percentage of fixed-rate vs floating-rate debt. Also assess the weighted average maturity and weighted average interest rate of the debt portfolio.
Technology / Asset-light companies. Many carry net cash positions (more cash than debt). For these companies, the financial health story is about cash deployment rather than debt risk. Focus on cash burn rate (for unprofitable companies) and cash runway analysis.
Cyclical industries (Energy, Materials). Evaluate leverage at both the current point in the cycle and on a normalized-earnings basis. A company may appear healthy at cycle peak earnings but be dangerously leveraged when earnings normalize. Use mid-cycle EBITDA for debt-to-EBITDA if available.
Follow the output structure defined in ${CLAUDE_PLUGIN_ROOT}/skills/_shared/references/output-format.md. Begin with the standard header, present data in markdown tables with right-aligned numbers and units, include source links after each data section, and close with the standard disclaimer.