# Financial Health

> Evaluate the financial health of an A-share company through earnings quality, cash conversion, working capital, leverage, and balance-sheet risk. Use this skill when revenue and profit trends diverge from cash flow, when debt and capex matter, or when impairment and receivable quality are major concerns. All outputs must include accessible source links.

- **Type:** Skill
- **Install:** `agentstack add skill-spikehongg-china-stock-research-skills-financial-health`
- **Verified:** Yes — security-reviewed for prompt injection and unsafe behavior
- **Seller:** [spikeHongg](https://agentstack.voostack.com/s/spikehongg)
- **Installs:** 0
- **Category:** [Agent Skills](https://agentstack.voostack.com/c/agent-skills)
- **Latest version:** 0.1.0
- **License:** MIT
- **Upstream author:** [spikeHongg](https://github.com/spikeHongg)
- **Source:** https://github.com/spikeHongg/china-stock-research-skills/tree/main/skills/financial-health

## Install

```sh
agentstack add skill-spikehongg-china-stock-research-skills-financial-health
```

Requires the [AgentStack CLI](https://agentstack.voostack.com/docs/cli). Works with Claude Code, Cursor, and any MCP-compatible agent.

## About

# Financial Health

Diagnose whether the company's accounting profit is supported by real cash and a resilient balance sheet.

## Non-Negotiable Rules

- Tie every ratio back to a public filing.
- State the reporting period and whether figures are audited or unaudited when known.
- Separate accounting facts from analytical judgment.
- Do not produce a target price here.
- Default every intermediate and final output to Simplified Chinese unless the user explicitly requests another language.

## Read First

- `skills/shared/references/source-registry.md`
- `skills/shared/references/citation-standard.md`
- `skills/shared/references/financial-kpi-dictionary.md`
- `skills/shared/references/analysis-pattern-selector.md`
- `skills/shared/references/language-output-standard.md`
- `skills/financial-health/references/red-flag-checklist.md`
- If the company is in an asset-heavy ramp, also load `skills/shared/references/asset-heavy-ramp-overlay.md`.
- If the company is an IDC or AI-compute asset-ramp case, `skills/shared/references/idc-heavy-asset-transition-overlay.md` and `skills/financial-health/references/idc-balance-sheet-stress-guide.md` are optional example overlays.

## When to Use

- Revenue is rising but profit or cash flow is weak.
- Working capital is expanding faster than sales.
- Debt, finance cost, guarantees, or capex may threaten the balance sheet.

## Workflow

1. Pull the latest annual, interim, and quarterly reports.
2. Build a three-statement view: income statement, cash flow, balance sheet.
3. Focus on cash conversion, receivables, contract assets, inventory, capex, debt, finance cost, and impairment.
4. Compare current stress points with management explanation.
5. Score liquidity, leverage, and earnings quality.

## Required Output

- `事实`: key line items, ratio set, debt schedule, impairment, working-capital trend
- `解读`: main structural problem, risk transmission path, likely breakpoints
- `待验证问题`: hidden guarantees, collection pace, refinancing schedule, off-balance-sheet items
- `Health Scorecard`: earnings quality, cash conversion, liquidity, leverage, asset quality

## Boundaries

- Do not restate the full industry structure.
- Do not select valuation methods here.
- Do not make a portfolio-allocation call.

## Source & license

This open-source skill is cataloged on AgentStack and links to its original source — we do not rehost the code.

- **Author:** [spikeHongg](https://github.com/spikeHongg)
- **Source:** [spikeHongg/china-stock-research-skills](https://github.com/spikeHongg/china-stock-research-skills)
- **License:** MIT

Install and usage instructions live in the source repository linked above.

## Pricing

- **Free** — Free

## Security capabilities

Automated source analysis of v0.1.0 — what this tool can access:

- **Network access:** no
- **Filesystem access:** no
- **Shell / process execution:** no
- **Environment & secrets:** no
- **Dynamic code execution:** no

*"Yes" means the capability is present in the source — more access means more to trust, not that it is unsafe.*


## Versions

- **0.1.0** — security scan: passed — Imported from the upstream source.

## Links

- Listing page: https://agentstack.voostack.com/l/skill-spikehongg-china-stock-research-skills-financial-health
- Seller: https://agentstack.voostack.com/s/spikehongg
- Browse the marketplace: https://agentstack.voostack.com/browse

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Listed on AgentStack — the marketplace for AI agent skills and MCP servers. Every listing is security-reviewed. Creators keep 70%.