back
loading skill details...
Perform institutional-grade analysis of any US-listed stock using real-time and fundamental data from the Finskills API.
---
name: US Stock Analyzer
version: 1.0.0
description: "Perform institutional-grade analysis of any US-listed stock using real-time and fundamental data from the Finskills API."
author: finskills
homepage: https://github.com/finskills/us-stock-analyzer
credentials:
- name: FINSKILLS_API_KEY
description: "Finskills API key — register for free at https://finskills.net (Pro plan unlocks historical data, financials, and batch quotes)"
required: true
link: https://finskills.net
---
# US Stock Analyzer
Perform institutional-grade analysis of any US-listed stock using real-time and
fundamental data from the Finskills API. Delivers a structured investment report
covering business quality, financial health, valuation, analyst consensus, and
key risks — all in a single conversation turn.
---
## Setup
**API Key required** — [Register at https://finskills.net](https://finskills.net) to get your free key (Pro plan for full functionality).
Set your key as: `FINSKILLS_API_KEY=your_key_here`
All requests use header: `X-API-Key: <your_api_key>`
---
## When to Activate This Skill
Activate when the user:
- Asks to "analyze", "research", "evaluate", or "deep dive" into a specific stock
- Provides a ticker symbol and asks for an investment opinion
- Requests a buy/sell/hold assessment on a US equity
- Asks for fundamental analysis, valuation, or earnings quality review
---
## Required Information
Before starting, resolve:
1. **Ticker symbol** — e.g., `AAPL`, `NVDA`, `MSFT`. Ask if not provided.
2. **Analysis depth** — Quick (Level 1), Standard (Level 2, default), or Deep (Level 3).
3. **Investment horizon** — Short-term (< 3 months), medium (3–12 months), long-term (> 12 months). Default: long-term.
---
## Data Retrieval — Finskills API Calls
Make the following API calls in parallel (all require `X-API-Key` header):
### 1. Real-Time Quote
```
GET https://finskills.net/v1/stocks/quote/{SYMBOL}
```
Extract: `price`, `change`, `changePercent`, `volume`, `marketCap`, `week52High`, `week52Low`, `avgVolume`
### 2. Company Profile
```
GET https://finskills.net/v1/stocks/profile/{SYMBOL}
```
Extract: `name`, `sector`, `industry`, `description`, `employees`, `website`, `country`, `exchange`
### 3. Financial Statements (3–5 years)
```
GET https://finskills.net/v1/stocks/financials/{SYMBOL}
```
Extract from income statement: `revenue`, `grossProfit`, `operatingIncome`, `netIncome`, `eps`
Extract from balance sheet: `totalDebt`, `cashAndEquivalents`, `totalAssets`, `totalEquity`
Extract from cash flow: `operatingCashFlow`, `freeCashFlow`, `capitalExpenditures`
### 4. Analyst Recommendations
```
GET https://finskills.net/v1/stocks/recommendations/{SYMBOL}
```
Extract: `strongBuy`, `buy`, `hold`, `sell`, `strongSell` counts; consensus rating; mean target price; price target range
### 5. Earnings History & Estimates
```
GET https://finskills.net/v1/stocks/earnings/{SYMBOL}
```
Extract: last 4 quarters of EPS (actual vs estimate, beat/miss); next quarter EPS estimate; revenue estimates
### 6. Institutional Holders (optional, Level 2+)
```
GET https://finskills.net/v1/stocks/holders/{SYMBOL}
```
Extract: top 5 holders, total institutional ownership %, recent changes (bought/sold)
---
## Analysis Workflow
### Step 1 — Data Validation
Confirm all API calls returned `success: true`. Note which data provider served
each call (`source` field). Flag any stale data (cached > 24h for quotes).
### Step 2 — Business Quality Assessment
Score each dimension 1–5:
| Dimension | Signals to Look For |
|-----------|-------------------|
| **Competitive Moat** | Market leadership, pricing power, switching costs, network effects |
| **Management Quality** | Capital allocation history, FCF conversion, debt management |
| **Revenue Quality** | Recurring/subscription vs one-time, customer concentration |
| **Growth Trajectory** | YoY revenue growth trend (accelerating/decelerating/stable) |
Calculate a composite Business Quality Score (BQS) = average of the four dimensions.
### Step 3 — Financial Health Scorecard
Compute and interpret:
| Metric | Formula | Benchmark |
|--------|---------|-----------|
| Gross Margin | grossProfit / revenue | Industry-specific |
| Operating Margin | operatingIncome / revenue | > 15% healthy |
| FCF Margin | freeCashFlow / revenue | > 10% excellent |
| Net Debt / EBITDA | (totalDebt − cash) / EBITDA | < 2x conservative |
| ROE | netIncome / totalEquity | > 15% strong |
| FCF Yield | freeCashFlow / marketCap | > 4% attractive |
| Current Ratio | currentAssets / currentLiabilities | > 1.5 healthy |
Flag any metric outside healthy range with a ⚠️ symbol.
### Step 4 — Valuation Analysis
Calculate:
| Ratio | Formula | Context |
|-------|---------|---------|
| P/E (TTM) | price / EPS_TTM | vs sector average |
| Forward P/E | price / EPS_NextYear_estimate | vs 5-yr historical avg |
| EV/EBITDA | (marketCap + netDebt) / EBITDA | < 15x value zone |
| P/FCF | marketCap / freeCashFlow | vs growth peers |
| PEG Ratio | P/E / EPS_3yr_growth | < 1.0 undervalued |
Classify valuation as: **Deep Value** / **Fair Value** / **Premium** / **Stretched**
Provide a range-based fair value estimate using at least two methods (DCF implied
from FCF yield, and P/E reversion to sector mean).
### Step 5 — Earnings Quality & Analyst Coverage
Analyze earnings history (last 4 quarters):
- Beat rate: percentage of quarters beating EPS estimates
- Average surprise magnitude (positive/negative)
- Revenue trend vs EPS trend (divergence signals accounting risk)
Analyst consensus summary:
- Consensus rating label (Strong Buy / Buy / Hold / Underperform / Sell)
- Mean price target vs current price (implied upside/downside %)
- Breadth: number of analysts covering the stock
- Target price range (bull case vs bear case)
### Step 6 — Risk Identification
Systematically identify:
- **Balance sheet risk**: leverage, debt maturity, liquidity
- **Earnings risk**: customer concentration, cyclicality, margin pressure trends
- **Macro risk**: interest rate sensitivity, FX exposure, commodity input costs
- **Regulatory/ESG risk**: industry-specific regulatory environment
- **Valuation risk**: how much multiple compression would hurt total return
### Step 7 — Investment Verdict
Based on all data, output:
- **Rating**: STRONG BUY / BUY / HOLD / AVOID / SELL
- **12-Month Price Target**: derived from valuation analysis (base case)
- **Bull Case / Bear Case**: target under favorable / adverse scenario
- **Confidence Level**: HIGH / MEDIUM / LOW (based on data completeness and
earnings predictability)
---
## Output Format
```
═══════════════════════════════════════════════════
US STOCK ANALYSIS REPORT — {TICKER} ({DATE})
═══════════════════════════════════════════════════
📌 COMPANY SNAPSHOT
{Company Name} | {Sector} | {Industry}
Price: ${price} Change: {change}% Market Cap: ${marketCap}
52-Week Range: ${week52Low} — ${week52High}
📊 BUSINESS QUALITY SCORE: {BQS}/5
◦ Competitive Moat: {score}/5 — {brief rationale}
◦ Management Quality: {score}/5 — {brief rationale}
◦ Revenue Quality: {score}/5 — {brief rationale}
◦ Growth Trajectory: {score}/5 — {brief rationale}
💰 FINANCIAL HEALTH
Revenue Growth (YoY): {%} | Gross Margin: {%} | Operating Margin: {%}
FCF Margin: {%} | Net Debt/EBITDA: {x} | ROE: {%}
[⚠️ Flag any concerns]
📐 VALUATION
TTM P/E: {x} | Forward P/E: {x} | EV/EBITDA: {x}
P/FCF: {x} | PEG: {x}
Assessment: {Deep Value / Fair Value / Premium / Stretched}
Fair Value Range: ${low} — ${high}
📈 ANALYST CONSENSUS
Rating: {consensus} | Mean Target: ${target} ({upside}% upside)
Distribution: {strongBuy}SB / {buy}B / {hold}H / {sell}S / {strongSell}SS
Analysts: {count} | Target Range: ${low} — ${high}
📋 EARNINGS QUALITY
Beat Rate: {%} ({n}/{total} quarters) | Avg Surprise: {+/-}%
Next Quarter EPS Estimate: ${estimate}
⚠️ KEY RISKS
1. {Risk 1}
2. {Risk 2}
3. {Risk 3}
🎯 INVESTMENT VERDICT
Rating: {STRONG BUY / BUY / HOLD / AVOID / SELL}
12M Target: ${target} (Base: ${base} | Bull: ${bull} | Bear: ${bear})
Confidence: {HIGH / MEDIUM / LOW}
Horizon: {investment horizon}
Thesis Summary: {2–3 sentence bull case}
Key Risks: {1–2 sentence risk summary}
═══════════════════════════════════════════════════
```
---
## Formatting Rules
- Always show data source (`source` field from API response) in a footnote.
- If an API call fails, note "Data unavailable" for that section — do not omit
the section header.
- Round monetary values to 2 decimal places; percentages to 1 decimal place.
- Do not provide financial advice. Frame all outputs as analytical research.
---
## Limitations
- Financial statements may lag by 1 quarter (SEC filing cadence).
- Analyst targets represent consensus forecasts, not guarantees.
- This skill does not execute trades or interact with brokerage accounts.
don't have the plugin yet? install it then click "run inline in claude" again.