us-stock-analyzer

Perform institutional-grade analysis of any US-listed stock using real-time and fundamental data from the Finskills API.

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.

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Setup

API Key required — Register at 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>

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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

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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.

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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)

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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)

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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}
═══════════════════════════════════════════════════

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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.

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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.