技能详情（站内镜像，无评论）
许可证：MIT-0
MIT-0 ·免费使用、修改和重新分发。无需归因。
版本：v1.0.0
统计：⭐ 1 · 1k · 2 current installs · 2 all-time installs
⭐ 1
安装量（当前） 2
🛡 VirusTotal ：良性 · OpenClaw ：良性
Package：1kalin/afrexai-financial-due-diligence
安全扫描（ClawHub）
- VirusTotal ：良性
- OpenClaw ：良性
OpenClaw 评估
An instruction-only due-diligence guide that is internally consistent with its stated purpose and does not request additional credentials, installs, or suspicious actions.
目的
Name, description, and provided checklists/outputs align with a financial due-diligence tool; nothing in the manifest asks for unrelated capabilities (no cloud creds, no binaries, no unusual config paths).
说明范围
SKILL.md confines the agent to analyzing user-supplied financials and deal terms and producing a structured report; it does not instruct the agent to read system files, gather environment variables, or transmit data to unknown endpoints. Note: the skill expects users to provide potentially sensitive financial documents, which is normal for this use case but a privacy consideration.
安装机制
Instruction-only skill with no install spec and no code files — lowest-risk installation surface (nothing written to disk by the skill itself).
证书
No environment variables, credentials, or config paths are requested; required access is proportional to the stated purpose (analysis of provided financial inputs).
持久
Skill is not always:on, does not request persistent system-level presence, and uses the platform's normal autonomous-invocation default without combining that with broad access.
综合结论
This skill is coherent and appears to do what it claims, but before using it: 1) Only provide financial documents to agents/services you trust and that meet your confidentiality requirements; 2) Test the skill with non-sensitive sample data first to verify output format and assumptions; 3) Treat its findings as advisory — have a qualified human reviewer validate adjustments, valuations, and negotiation points; and 4) If you plan to use this in…
安装（复制给龙虾 AI）
将下方整段复制到龙虾中文库对话中，由龙虾按 SKILL.md 完成安装。
请把本段交给龙虾中文库（龙虾 AI）执行：为本机安装 OpenClaw 技能「Financial Due Diligence Analyzer」。简介：Performs detailed financial due diligence on deals by analyzing earnings qualit…。
请 fetch 以下地址读取 SKILL.md 并按文档完成安装：https://raw.githubusercontent.com/openclaw/skills/refs/heads/main/skills/1kalin/afrexai-financial-due-diligence/SKILL.md
（来源：yingzhi8.cn 技能库）SKILL.md
# Financial Due Diligence Analyzer
Run comprehensive financial due diligence on acquisition targets, investment opportunities, or partnership prospects. Built for PE firms, corporate development teams, and founders evaluating deals.
## What This Does
Generates a complete due diligence package:
- **Quality of Earnings (QoE)** — normalize EBITDA, strip one-time items, identify recurring vs non-recurring revenue
- **Working Capital Analysis** — NWC trends, peg calculation, seasonal adjustments
- **Revenue Quality** — customer concentration, churn, cohort analysis, contract backlog
- **Debt & Liabilities** — hidden obligations, off-balance-sheet items, contingent liabilities
- **Cash Flow Bridge** — EBITDA to free cash flow conversion, capex requirements
- **Red Flag Scanner** — 23 common deal-killers ranked by severity
## How to Use
Tell your agent: "Run financial due diligence on [company/deal]"
Provide what you have:
- Financial statements (P&L, balance sheet, cash flow) — even partial
- Revenue breakdown by customer/product
- Known deal terms (purchase price, structure)
The agent will generate a structured diligence report with findings, risks, and negotiation points.
## QoE Framework
### EBITDA Normalization Checklist
| Adjustment Category | Common Items | Direction |
|---|---|---|
| Owner compensation | Above/below market salary, personal expenses | +/- |
| One-time revenue | PPP loans, insurance claims, litigation settlements | - |
| One-time expenses | Restructuring, M&A costs, natural disaster | + |
| Related party | Above/below market rent, intercompany charges | +/- |
| Accounting changes | Revenue recognition timing, reserve adjustments | +/- |
| Run-rate adjustments | New contracts, lost customers, price changes | +/- |
### Revenue Quality Score (0-100)
| Factor | Weight | Scoring |
|---|---|---|
| Recurring vs one-time | 25% | >80% recurring = 25, >60% = 18, >40% = 12, <40% = 5 |
| Customer concentration | 20% | Top customer <10% = 20, <20% = 15, <30% = 10, >30% = 3 |
| Retention rate | 20% | >95% = 20, >90% = 15, >85% = 10, <85% = 5 |
| Contract backlog | 15% | >12mo coverage = 15, >6mo = 10, >3mo = 6, <3mo = 2 |
| Growth trajectory | 10% | >30% YoY = 10, >15% = 7, >5% = 4, declining = 1 |
| Pricing power | 10% | Annual increases + low churn = 10, some = 6, none = 2 |
### Working Capital Peg
```
NWC Peg = Average of trailing 12 months normalized NWC
Normalized NWC = Current Assets (excl. cash) - Current Liabilities (excl. debt)
Adjustments:
- Remove seasonal spikes (use monthly data, not quarterly)
- Strip one-time receivables/payables
- Normalize inventory to steady-state
- Adjust for known post-close changes
If NWC at close > Peg → Seller receives difference
If NWC at close < Peg → Buyer receives difference
```
## Red Flag Scanner (23 Points)
### Critical (Deal-killers)
1. Revenue concentration >40% single customer
2. Declining revenue with no credible turnaround plan
3. Negative or deteriorating cash conversion (EBITDA to FCF <50%)
4. Undisclosed litigation or regulatory action
5. Key person dependency with no succession plan
6. Material related-party transactions at off-market terms
7. Unrecorded liabilities (tax, environmental, legal)
### Serious (Price adjustments)
8. Customer churn accelerating quarter-over-quarter
9. Gross margin compression >200bps annually
10. Capex requirements understated (deferred maintenance)
11. Working capital trends moving against buyer
12. Aggressive revenue recognition policies
13. Unusual pre-close transactions (dividends, bonuses)
14. Technology debt requiring material investment
15. Regulatory changes threatening core business model
### Notable (Negotiation points)
16. Management team retention risk
17. Vendor concentration >30% single supplier
18. IP ownership gaps or licensing dependencies
19. Insurance coverage gaps
20. Environmental liabilities (real estate)
21. Employee benefit obligations (pension, OPEB)
22. Tax position optimization opportunities
23. Integration complexity indicators
## Valuation Sanity Check
### Quick Multiples Reference (2025-2026)
| Sector | EV/Revenue | EV/EBITDA | Notes |
|---|---|---|---|
| SaaS (<$10M ARR) | 4-8x | 15-25x | Higher for >120% NRR |
| SaaS ($10-50M ARR) | 6-12x | 20-35x | Rule of 40 premium |
| Professional Services | 1-2x | 8-12x | People-dependent discount |
| Manufacturing | 0.5-1.5x | 6-10x | Asset-heavy adjustment |
| Healthcare Services | 1-3x | 10-15x | Regulatory moat premium |
| Fintech | 5-15x | 20-40x | Wide range, growth-dependent |
| E-commerce | 1-3x | 10-18x | Brand and margin quality |
### Purchase Price Allocation
```
Enterprise Value
- Net Debt (total debt - cash)
- Transaction Expenses
- Working Capital Adjustment (vs Peg)
+ Earnout (if applicable, risk-adjusted at 50-70% probability)
= Equity Value to Seller
```
## Output Format
Your due diligence report should include:
1. **Executive Summary** — deal overview, key findings, go/no-go recommendation
2. **Quality of Earnings** — normalized EBITDA bridge with adjustments
3. **Revenue Analysis** — quality score, concentration, trends
4. **Working Capital** — NWC peg, seasonal analysis, close estimate
5. **Cash Flow** — EBITDA to FCF bridge, capex analysis
6. **Red Flags** — scored findings with severity and $ impact
7. **Valuation Check** — multiples comparison, sanity test
8. **Negotiation Points** — specific items for purchase agreement
---
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