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package/context/skills/finance-skills.md

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+# Finance Agent Skills
+
+> Sourced from alirezarezvani/claude-skills (MIT License)
+
+---
+---
+name: saas-metrics-coach
+description: SaaS financial health advisor. Use when a user shares revenue or customer numbers, or mentions ARR, MRR, churn, LTV, CAC, NRR, or asks how their SaaS business is doing.
+license: MIT
+metadata:
+  version: 1.0.0
+  author: Abbas Mir
+  category: finance
+  updated: 2026-03-08
+---
+
+# SaaS Metrics Coach
+
+Act as a senior SaaS CFO advisor. Take raw business numbers, calculate key health metrics, benchmark against industry standards, and give prioritized actionable advice in plain English.
+
+## Step 1 — Collect Inputs
+
+If not already provided, ask for these in a single grouped request:
+
+- Revenue: current MRR, MRR last month, expansion MRR, churned MRR
+- Customers: total active, new this month, churned this month
+- Costs: sales and marketing spend, gross margin %
+
+Work with partial data. Be explicit about what is missing and what assumptions are being made.
+
+## Step 2 — Calculate Metrics
+
+Run `scripts/metrics_calculator.py` with the user's inputs. If the script is unavailable, use the formulas in `references/formulas.md`.
+
+Always attempt to compute: ARR, MRR growth %, monthly churn rate, CAC, LTV, LTV:CAC ratio, CAC payback period, NRR.
+
+**Additional Analysis Tools:**
+- Use `scripts/quick_ratio_calculator.py` when expansion/churn MRR data is available
+- Use `scripts/unit_economics_simulator.py` for forward-looking projections
+
+## Step 3 — Benchmark Each Metric
+
+Load `references/benchmarks.md`. For each metric show:
+- The calculated value
+- The relevant benchmark range for the user's segment and stage
+- A plain status label: HEALTHY / WATCH / CRITICAL
+
+Match the benchmark tier to the user's market segment (Enterprise / Mid-Market / SMB / PLG) and company stage (Early / Growth / Scale). Ask if unclear.
+
+## Step 4 — Prioritize and Recommend
+
+Identify the top 2-3 metrics at WATCH or CRITICAL status. For each one state:
+- What is happening (one sentence, plain English)
+- Why it matters to the business
+- Two or three specific actions to take this month
+
+Order by impact — address the most damaging problem first.
+
+## Step 5 — Output Format
+
+Always use this exact structure:
+
+```
+# SaaS Health Report — [Month Year]
+
+## Metrics at a Glance
+| Metric | Your Value | Benchmark | Status |
+|--------|------------|-----------|--------|
+
+## Overall Picture
+[2-3 sentences, plain English summary]
+
+## Priority Issues
+
+### 1. [Metric Name]
+What is happening: ...
+Why it matters: ...
+Fix it this month: ...
+
+### 2. [Metric Name]
+...
+
+## What is Working
+[1-2 genuine strengths, no padding]
+
+## 90-Day Focus
+[Single metric to move + specific numeric target]
+```
+
+## Examples
+
+**Example 1 — Partial data**
+
+Input: "MRR is $80k, we have 200 customers, about 3 cancel each month."
+
+Expected output: Calculates ARPA ($400), monthly churn (1.5%), ARR ($960k), LTV estimate. Flags CAC and growth rate as missing. Asks one focused follow-up question for the most impactful missing input.
+
+**Example 2 — Critical scenario**
+
+Input: "MRR $22k (was $23.5k), 80 customers, lost 9, gained 6, spent $15k on ads, 65% gross margin."
+
+Expected output: Flags negative MoM growth (-6.4%), critical churn (11.25%), and LTV:CAC of 0.64:1 as CRITICAL. Recommends churn reduction as the single highest-priority action before any further growth spend.
+
+## Key Principles
+
+- Be direct. If a metric is bad, say it is bad.
+- Explain every metric in one sentence before showing the number.
+- Cap priority issues at three. More than three paralyzes action.
+- Context changes benchmarks. Five percent churn is catastrophic for Enterprise SaaS but normal for SMB/PLG. Always confirm the user's target market before scoring.
+
+## Reference Files
+
+- `references/formulas.md` — All metric formulas with worked examples
+- `references/benchmarks.md` — Industry benchmark ranges by stage and segment
+- `assets/input-template.md` — Blank input form to share with users
+- `scripts/metrics_calculator.py` — Core metrics calculator (ARR, MRR, churn, CAC, LTV, NRR)
+- `scripts/quick_ratio_calculator.py` — Growth efficiency metric (Quick Ratio)
+- `scripts/unit_economics_simulator.py` — 12-month forward projection
+
+## Tools
+
+### 1. Metrics Calculator (`scripts/metrics_calculator.py`)
+Core SaaS metrics from raw business numbers.
+
+```bash
+# Interactive mode
+python scripts/metrics_calculator.py
+
+# CLI mode
+python scripts/metrics_calculator.py --mrr 50000 --customers 100 --churned 5 --json
+```
+
+### 2. Quick Ratio Calculator (`scripts/quick_ratio_calculator.py`)
+Growth efficiency metric: (New MRR + Expansion) / (Churned + Contraction)
+
+```bash
+python scripts/quick_ratio_calculator.py --new-mrr 10000 --expansion 2000 --churned 3000 --contraction 500
+python scripts/quick_ratio_calculator.py --new-mrr 10000 --expansion 2000 --churned 3000 --json
+```
+
+**Benchmarks:**
+- < 1.0 = CRITICAL (losing faster than gaining)
+- 1-2 = WATCH (marginal growth)
+- 2-4 = HEALTHY (good efficiency)
+- \> 4 = EXCELLENT (strong growth)
+
+### 3. Unit Economics Simulator (`scripts/unit_economics_simulator.py`)
+Project metrics forward 12 months based on growth/churn assumptions.
+
+```bash
+python scripts/unit_economics_simulator.py --mrr 50000 --growth 10 --churn 3 --cac 2000
+python scripts/unit_economics_simulator.py --mrr 50000 --growth 10 --churn 3 --cac 2000 --json
+```
+
+**Use for:**
+- "What if we grow at X% per month?"
+- Runway projections
+- Scenario planning (best/base/worst case)
+
+## Related Skills
+
+- **financial-analyst**: Use for DCF valuation, budget variance analysis, and traditional financial modeling. NOT for SaaS-specific metrics like CAC, LTV, or churn.
+- **business-growth/customer-success**: Use for retention strategies and customer health scoring. Complements this skill when churn is flagged as CRITICAL.
+
+---
+
+---
+name: "financial-analyst"
+description: Performs financial ratio analysis, DCF valuation, budget variance analysis, and rolling forecast construction for strategic decision-making. Use when analyzing financial statements, building valuation models, assessing budget variances, or constructing financial projections and forecasts. Also applicable when users mention financial modeling, cash flow analysis, company valuation, financial projections, or spreadsheet analysis.
+---
+
+# Financial Analyst Skill
+
+## Overview
+
+Production-ready financial analysis toolkit providing ratio analysis, DCF valuation, budget variance analysis, and rolling forecast construction. Designed for financial modeling, forecasting & budgeting, management reporting, business performance analysis, and investment analysis.
+
+## 5-Phase Workflow
+
+### Phase 1: Scoping
+- Define analysis objectives and stakeholder requirements
+- Identify data sources and time periods
+- Establish materiality thresholds and accuracy targets
+- Select appropriate analytical frameworks
+
+### Phase 2: Data Analysis & Modeling
+- Collect and validate financial data (income statement, balance sheet, cash flow)
+- **Validate input data completeness** before running ratio calculations (check for missing fields, nulls, or implausible values)
+- Calculate financial ratios across 5 categories (profitability, liquidity, leverage, efficiency, valuation)
+- Build DCF models with WACC and terminal value calculations; **cross-check DCF outputs against sanity bounds** (e.g., implied multiples vs. comparables)
+- Construct budget variance analyses with favorable/unfavorable classification
+- Develop driver-based forecasts with scenario modeling
+
+### Phase 3: Insight Generation
+- Interpret ratio trends and benchmark against industry standards
+- Identify material variances and root causes
+- Assess valuation ranges through sensitivity analysis
+- Evaluate forecast scenarios (base/bull/bear) for decision support
+
+### Phase 4: Reporting
+- Generate executive summaries with key findings
+- Produce detailed variance reports by department and category
+- Deliver DCF valuation reports with sensitivity tables
+- Present rolling forecasts with trend analysis
+
+### Phase 5: Follow-up
+- Track forecast accuracy (target: +/-5% revenue, +/-3% expenses)
+- Monitor report delivery timeliness (target: 100% on time)
+- Update models with actuals as they become available
+- Refine assumptions based on variance analysis
+
+## Tools
+
+### 1. Ratio Calculator (`scripts/ratio_calculator.py`)
+
+Calculate and interpret financial ratios from financial statement data.
+
+**Ratio Categories:**
+- **Profitability:** ROE, ROA, Gross Margin, Operating Margin, Net Margin
+- **Liquidity:** Current Ratio, Quick Ratio, Cash Ratio
+- **Leverage:** Debt-to-Equity, Interest Coverage, DSCR
+- **Efficiency:** Asset Turnover, Inventory Turnover, Receivables Turnover, DSO
+- **Valuation:** P/E, P/B, P/S, EV/EBITDA, PEG Ratio
+
+```bash
+python scripts/ratio_calculator.py sample_financial_data.json
+python scripts/ratio_calculator.py sample_financial_data.json --format json
+python scripts/ratio_calculator.py sample_financial_data.json --category profitability
+```
+
+### 2. DCF Valuation (`scripts/dcf_valuation.py`)
+
+Discounted Cash Flow enterprise and equity valuation with sensitivity analysis.
+
+**Features:**
+- WACC calculation via CAPM
+- Revenue and free cash flow projections (5-year default)
+- Terminal value via perpetuity growth and exit multiple methods
+- Enterprise value and equity value derivation
+- Two-way sensitivity analysis (discount rate vs growth rate)
+
+```bash
+python scripts/dcf_valuation.py valuation_data.json
+python scripts/dcf_valuation.py valuation_data.json --format json
+python scripts/dcf_valuation.py valuation_data.json --projection-years 7
+```
+
+### 3. Budget Variance Analyzer (`scripts/budget_variance_analyzer.py`)
+
+Analyze actual vs budget vs prior year performance with materiality filtering.
+
+**Features:**
+- Dollar and percentage variance calculation
+- Materiality threshold filtering (default: 10% or $50K)
+- Favorable/unfavorable classification with revenue/expense logic
+- Department and category breakdown
+- Executive summary generation
+
+```bash
+python scripts/budget_variance_analyzer.py budget_data.json
+python scripts/budget_variance_analyzer.py budget_data.json --format json
+python scripts/budget_variance_analyzer.py budget_data.json --threshold-pct 5 --threshold-amt 25000
+```
+
+### 4. Forecast Builder (`scripts/forecast_builder.py`)
+
+Driver-based revenue forecasting with rolling cash flow projection and scenario modeling.
+
+**Features:**
+- Driver-based revenue forecast model
+- 13-week rolling cash flow projection
+- Scenario modeling (base/bull/bear cases)
+- Trend analysis using simple linear regression (standard library)
+
+```bash
+python scripts/forecast_builder.py forecast_data.json
+python scripts/forecast_builder.py forecast_data.json --format json
+python scripts/forecast_builder.py forecast_data.json --scenarios base,bull,bear
+```
+
+## Knowledge Bases
+
+| Reference | Purpose |
+|-----------|---------|
+| `references/financial-ratios-guide.md` | Ratio formulas, interpretation, industry benchmarks |
+| `references/valuation-methodology.md` | DCF methodology, WACC, terminal value, comps |
+| `references/forecasting-best-practices.md` | Driver-based forecasting, rolling forecasts, accuracy |
+| `references/industry-adaptations.md` | Sector-specific metrics and considerations (SaaS, Retail, Manufacturing, Financial Services, Healthcare) |
+
+## Templates
+
+| Template | Purpose |
+|----------|---------|
+| `assets/variance_report_template.md` | Budget variance report template |
+| `assets/dcf_analysis_template.md` | DCF valuation analysis template |
+| `assets/forecast_report_template.md` | Revenue forecast report template |
+
+## Key Metrics & Targets
+
+| Metric | Target |
+|--------|--------|
+| Forecast accuracy (revenue) | +/-5% |
+| Forecast accuracy (expenses) | +/-3% |
+| Report delivery | 100% on time |
+| Model documentation | Complete for all assumptions |
+| Variance explanation | 100% of material variances |
+
+## Input Data Format
+
+All scripts accept JSON input files. See `assets/sample_financial_data.json` for the complete input schema covering all four tools.
+
+## Dependencies
+
+**None** - All scripts use Python standard library only (`math`, `statistics`, `json`, `argparse`, `datetime`). No numpy, pandas, or scipy required.