Financial Ratios Skill

Overview

Financial Ratios works by computing standard ratio analysis over normalized SEC EDGAR filings (10-Q and 10-K) for US public companies. Every value is derived from the filed income statement, balance sheet and cash-flow figures: profitability (gross, operating, net margin, ROE, ROA), liquidity (current, quick, cash ratio), leverage (debt-to-equity, debt-to-assets, equity multiplier, interest coverage), efficiency (asset, inventory, receivables turnover), cash flow (FCF margin, capex intensity) and per-share (EPS, book value, FCF per share). With valuation=true, paid plans also get the latest filing valued against the most recent stored US share price: market cap (price times diluted weighted-average shares), price-to-earnings and earnings yield on trailing-twelve-month net income, price-to-sales on trailing revenue, and price-to-book on filed equity. Trailing figures come straight from a 10-K, or for a 10-Q from the prior fiscal year plus this year's quarters less the same quarters a year earlier; a figure stays null when a quarter it needs has not been captured or a ticker has no stored price. Data is refreshed continuously from official SEC filings.

Live Test Financial Ratios Skill Skill →

The tool

Once your client is connected to the VerveKit server, this appears in its tool list as FinancialRatiosSkill. It is read-only and open-world — it fetches and never mutates anything on your side — so most clients call it without asking you to confirm.

{
  "name": "FinancialRatiosSkill",
  "arguments": {
    "ticker": "AAPL"
  }
}

You do not name the tool yourself; the model picks it. Asking about AAPL in the terms this skill covers is enough for it to reach for FinancialRatiosSkill on its own — naming it explicitly also works, and is the way to force the call.

Connecting

One server URL covers every skill in the catalog, including this one. Authorization is OAuth: the client opens a browser once, and there is no key to paste into a config file.

{
  "mcpServers": {
    "vervekit": {
      "url": "https://api.vervekit.com/v1/mcp"
    }
  }
}

https://api.vervekit.com/v1/mcp

Per-client setup — Claude, Cursor, VS Code, ChatGPT — is on the MCP setup page.

Arguments

These are the properties on the tool's inputSchema, so a well-behaved client validates them before the call is made. Premium arguments are accepted on every plan but only take effect on plans that include them.

What the model gets back

The result carries a structuredContent object matching the tool's declared outputSchema, so a client reads fields without parsing prose. status is "ok" and error is null on success; a null field means the value was not available for that input, not that the call failed.

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

{
  "status": "ok",
  "error": null,
  "data": {
    "ticker": "COST",
    "company": "COSTCO WHOLESALE CORP /NEW",
    "cik": "0000909832",
    "fiscalYear": 2026,
    "fiscalQuarter": 4,
    "filingType": "10-K",
    "filingDate": "2026-10-07",
    "periodEnd": "2026-08-30",
    "profitability": {
      "grossMargin": null,
      "operatingMargin": 3.85,
      "netMargin": 3.04,
      "returnOnEquity": 25.77,
      "returnOnAssets": 10.36
    },
    "liquidity": {
      "currentRatio": 1.06,
      "quickRatio": 0.62,
      "cashRatio": 0.46
    },
    "leverage": {
      "debtToEquity": 1.49,
      "debtToAssets": 0.6,
      "equityMultiplier": 2.49,
      "interestCoverage": 80.59
    },
    "efficiency": {
      "assetTurnover": 3.4,
      "inventoryTurnover": 13.68,
      "receivablesTurnover": null
    },
    "cashFlow": {
      "freeCashFlow": 9382000000,
      "fcfMargin": 3.09,
      "operatingCashFlowMargin": 5.22,
      "capexToRevenue": 2.12
    },
    "perShare": {
      "eps": 20.76,
      "bookValuePerShare": 80.5599,
      "freeCashFlowPerShare": 21.1103
    },
    "valuation": {
      "priceAsOf": "2026-11-05T21:00:00.000Z",
      "marketCap": 473576966930,
      "priceToEarnings": 51.33,
      "earningsYield": 1.95,
      "priceToSales": 1.56,
      "priceToBook": 13.23,
      "trailingEps": 20.76,
      "trailingRevenue": 303154000000,
      "trailingNetIncome": 9226000000,
      "trailingBasis": "annual"
    }
  }
}

Response fields

Paths are relative to data. Premium fields are absent rather than zeroed on plans that do not include them, so check for presence instead of comparing to 0.

Failure modes

Errors come back as tool errors carrying a sentence the model can act on, not a bare status code. Error handling covers the full list.

A call costs 6 credits each time the tool actually runs; a model that reasons about the tool without calling it costs nothing.

Use cases

Stock Screener Filtering

When screening public equities, brokerage apps evaluate short-term liquidity by comparing current ratios and debt-to-equity across competing firms.

Vendor Solvency Checks

Flag overleveraged suppliers before signing procurement contracts by checking debt-to-equity levels and operating margins against standard industry benchmarks.

Equity Research Dashboards

Financial media portals display gross and operating margins next to quarterly earnings reports to show readers true operating profitability.

Corporate Competitor Benchmarking

To benchmark balance sheet health against market competitors, corporate development teams monitor current ratios and debt liabilities across quarterly SEC filings.

Other ways to use Financial Ratios Skill

Set up Financial Ratios Skill on VerveKit, or reach the same source a different way. Your VerveKit account and credits work on all of them — one key, one balance.

Related

More in Finance: