Getting it into your agent
One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.
npx agentmods add commands/brainbytes-dev/everything-claude-finance/ratio-analysisgit clone --depth 1 https://github.com/brainbytes-dev/everything-claude-financeWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/commands/brainbytes-dev/everything-claude-finance/ratio-analysis)<a href="https://agentmods.dev/commands/brainbytes-dev/everything-claude-finance/ratio-analysis"><img src="https://agentmods.dev/badge/commands/brainbytes-dev/everything-claude-finance/ratio-analysis.svg" alt="Measured on agentmods" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5 | $0.00008 | $0.01781 |
| Opus 5 | $0.00004 | $0.00890 |
| Sonnet 5 | $0.00002 | $0.00356 |
| Haiku 4.5 | $0.00001 | $0.00178 |
Grade A, and why
ratio-analysis scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 3d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 139 lines — stays where its author put it; the contents beside it link to each section on GitHub.
/ratio-analysis — Financial Ratio Analysis
What This Command Does
Performs a comprehensive financial ratio analysis covering profitability, liquidity, solvency, efficiency, and market valuation ratios. Benchmarks against industry peers, identifies trends, and highlights areas of strength and concern. Provides DuPont decomposition and Z-score analysis.
When to Use
- Credit analysis and lending decisions
- Equity research fundamental analysis
- Management performance evaluation
- Peer comparison and competitive positioning
- Trend analysis for early warning signals
- Annual report analysis and interpretation
How It Works
- Ratio Calculation: Computes 25+ financial ratios across five categories
- Trend Analysis: Identifies improving, stable, or deteriorating trends over time
- Peer Benchmarking: Compares ratios against selected peers or industry medians
- DuPont Analysis: Decomposes ROE into margin, turnover, and leverage components
- Altman Z-Score: Calculates financial distress probability
- Synthesis: Highlights key strengths, weaknesses, and areas requiring attention
Example Usage
Input:
/ratio-analysis company:"SteelWorks AG" peers:"MetalCorp,AlloyTech,IronBridge" periods:3
Output:
# Financial Ratio Analysis — SteelWorks AG
## Peers: MetalCorp, AlloyTech, IronBridge | Periods: 2023–2025
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
## Profitability Ratios
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
| Ratio | 2023 | 2024 | 2025 | Trend | Peer Med. | vs Peer |
|--------------------|-------|-------|-------|-------|-----------|---------|
| Gross margin | 28.5% | 27.2% | 29.8% | ↗ | 26.1% | Above |
| EBITDA margin | 14.2% | 12.8% | 15.1% | ↗ | 13.5% | Above |
| Operating margin | 8.5% | 7.1% | 9.2% | ↗ | 8.0% | Above |
| Net margin | 4.8% | 3.9% | 5.5% | ↗ | 4.2% | Above |
| ROE | 12.1% | 9.8% | 14.2% | ↗ | 11.5% | Above |
| ROA | 5.2% | 4.1% | 6.0% | ↗ | 4.8% | Above |
| ROIC | 9.5% | 7.8% | 10.8% | ↗ | 8.9% | Above |
Assessment: Strong recovery in 2025 after cyclical dip. Above peers across all metrics.
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
## Liquidity Ratios
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
| Ratio | 2023 | 2024 | 2025 | Trend | Peer Med. | vs Peer |
|--------------------|-------|-------|-------|-------|-----------|---------|
| Current ratio | 1.45 | 1.32 | 1.38 | → | 1.50 | Below |
| Quick ratio | 0.82 | 0.75 | 0.80 | → | 0.95 | Below |
| Cash ratio | 0.15 | 0.12 | 0.18 | → | 0.22 | Below |
Assessment: ⚠ Liquidity below peer median. Inventory-heavy balance sheet.
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
## Solvency / Leverage Ratios
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
| Ratio | 2023 | 2024 | 2025 | Trend | Peer Med. | vs Peer |
|--------------------|-------|-------|-------|-------|-----------|---------|
| Net Debt/EBITDA | 2.8x | 3.2x | 2.4x | ↗ | 2.5x | In-line |
| Interest coverage | 4.5x | 3.8x | 5.2x | ↗ | 4.8x | Above |
| Debt/Equity | 0.85 | 0.92 | 0.78 | ↗ | 0.80 | In-line |
| Equity ratio | 43% | 40% | 45% | ↗ | 44% | In-line |
Assessment: Leverage improving. Comfortable vs. covenants (max 3.5x).
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
## Efficiency Ratios
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
| Ratio | 2023 | 2024 | 2025 | Trend | Peer Med. | vs Peer |
|--------------------|-------|-------|-------|-------|-----------|---------|
| Asset turnover | 1.08x | 1.05x | 1.10x | → | 1.15x | Below |
| Inventory turnover | 5.2x | 4.8x | 5.5x | ↗ | 6.2x | Below |
| DSO | 48 | 52 | 46 | ↗ | 42 | Below |
| DPO | 55 | 58 | 54 | → | 50 | Above |
| Cash conv. cycle | 62 | 68 | 58 | ↗ | 48 | Below |
Assessment: ⚠ Working capital efficiency lags peers. Inventory management is the gap.
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
## DuPont Decomposition (2025)
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
ROE = Net Margin × Asset Turnover × Equity Multiplier
14.2% = 5.5% × 1.10x × 2.35x
| Component | SteelWorks | Peer Median | Driver |
|--------------------|------------|-------------|------------|
| Net margin | 5.5% | 4.2% | ✓ Strength |
| Asset turnover | 1.10x | 1.15x | ⚠ Weakness |
| Equity multiplier | 2.35x | 2.20x | → Neutral |
ROE outperformance driven by margin advantage, despite lower efficiency.
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
## Altman Z-Score
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
Z = 1.2(WC/TA) + 1.4(RE/TA) + 3.3(EBIT/TA) + 0.6(MVE/TL) + 1.0(S/TA)
Z = 1.2(0.12) + 1.4(0.25) + 3.3(0.10) + 0.6(1.15) + 1.0(1.10)
**Z-Score = 2.51 — GREY ZONE (1.81–2.99)**
Not immediate distress risk, but warrants monitoring. Peer median Z = 2.85.
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 3d ago First seen · 139 lines · 8 tokens per session scan A b3a5b9539b9d
ratio-analysis is a command published in the GitHub repository brainbytes-dev/everything-claude-finance (5 stars, last pushed 5mo ago), licensed MIT. It adds 8 tokens to every session and 1,781 once invoked, about $0.0000 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-31.
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