fin-cog

name	fin-cog
description	Wall Street-grade analysis, accessible globally. Deep financial reasoning powered by #1 on DeepResearch Bench (Feb 2026) + SOTA financial models — stock analysis, valuation models, portfolio optimization, earnings breakdowns, financial statements, tax planning, and investment research. From raw tickers to boardroom-ready deliverables in one request.
metadata	{"openclaw":{"emoji":"💰"}}
author	CellCog
dependencies	["cellcog"]

Fin Cog - Wall Street-Grade Analysis, Accessible Globally

Wall Street-grade analysis, accessible globally. Deep financial reasoning powered by #1 on DeepResearch Bench (Feb 2026) + SOTA financial models.

The best financial analysis has always lived behind Bloomberg terminals, institutional research desks, and $500/hour consultants. CellCog brings that same depth — stock analysis, valuation models, portfolio optimization, earnings breakdowns — to anyone with a prompt. From raw tickers to boardroom-ready deliverables in one request.

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Prerequisites

This skill requires the cellcog skill for SDK setup and API calls.

clawhub install cellcog

Read the cellcog skill first for SDK setup. This skill shows you what's possible.

Quick pattern (v1.0+):

# Fire-and-forget - returns immediately
result = client.create_chat(
    prompt="[your financial analysis request]",
    notify_session_key="agent:main:main",
    task_label="financial-analysis",
    chat_mode="agent team"  # Agent team for deep financial reasoning
)
# Daemon notifies you when complete - do NOT poll

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What Financial Work You Can Do

Stock & Equity Analysis

Deep dives into public companies:

• Company Analysis: "Analyze NVIDIA — revenue trends, margins, competitive moat, and forward guidance"
• Earnings Breakdowns: "Break down Apple's Q4 2025 earnings — beat/miss, segment performance, management commentary"
• Valuation Models: "Build a DCF model for Microsoft with bear, base, and bull scenarios"
• Peer Comparisons: "Compare semiconductor stocks — NVDA, AMD, INTC, TSM — on valuation, growth, and profitability metrics"
• Technical Analysis: "Analyze Tesla's price action — key support/resistance levels, moving averages, and volume trends"

Example prompt:

"Create a comprehensive stock analysis for Palantir (PLTR):

Cover:

• Business model and revenue breakdown (government vs commercial)
• Last 4 quarters earnings performance
• Key financial metrics (P/E, P/S, FCF margin, revenue growth)
• Competitive positioning vs Snowflake, Databricks, C3.ai
• Bull and bear thesis
• Valuation assessment

Deliver as an interactive HTML report with charts."

Portfolio Analysis & Optimization

Manage and optimize investments:

• Portfolio Review: "Analyze my portfolio: 40% AAPL, 20% MSFT, 15% GOOGL, 15% AMZN, 10% TSLA — diversification, risk, and recommendations"
• Asset Allocation: "Design an optimal portfolio for a 35-year-old with $200K, moderate risk tolerance"
• Risk Assessment: "Calculate the Sharpe ratio, beta, and maximum drawdown for this portfolio over the last 3 years"
• Rebalancing: "My portfolio drifted from target — recommend rebalancing trades to minimize tax impact"

Financial Modeling

Build professional financial models:

• DCF Models: "Build a discounted cash flow model for Shopify with sensitivity analysis on growth and discount rate"
• Startup Financial Models: "Create a 3-year financial projection for a B2B SaaS with $50K MRR growing 15% monthly"
• LBO Models: "Model a leveraged buyout scenario for a $100M revenue company at 8x EBITDA"
• Scenario Analysis: "Create a 3-scenario model (recession, baseline, boom) for a retail REIT portfolio"

Financial Documents & Reports

Professional financial deliverables:

• Investment Memos: "Write an investment memo recommending a position in CrowdStrike"
• Quarterly Reports: "Create a quarterly financial report for my small business"
• Financial Statements: "Generate pro forma financial statements for a startup fundraise"
• Tax Planning: "Analyze tax optimization strategies for a freelancer earning $150K with $30K in capital gains"

Personal Finance

Everyday financial planning:

• Retirement Planning: "How much do I need to save monthly to retire at 55 with $2M? I'm 30, saving $2K/month currently"
• Mortgage Analysis: "Compare a 15-year vs 30-year mortgage on a $500K home with 20% down at current rates"
• Debt Payoff: "Create a debt payoff plan: $15K student loans at 5%, $8K credit card at 22%, $25K car loan at 6%"
• Budget Optimization: "Analyze my spending breakdown and recommend where to cut to save $1,000/month more"

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Output Formats

CellCog delivers financial analysis in multiple formats:

Format	Best For
Interactive HTML Dashboard	Explorable charts, drill-down analysis, live data presentation
PDF Report	Shareable, printable investment memos and reports
XLSX Spreadsheet	Editable financial models, projections, calculations
Markdown	Quick analysis for integration into your docs

Specify your preferred format in the prompt:

• "Deliver as an interactive HTML report with charts"
• "Create a PDF investment memo"
• "Build this as an editable Excel model"

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Chat Mode for Finance

Scenario	Recommended Mode
Quick lookups, single stock metrics, basic calculations	"agent"
Deep analysis, valuation models, multi-company comparisons, investment research	"agent team"

Use "agent team" for most financial analysis. Financial work demands deep reasoning, data cross-referencing, and multi-source synthesis. Agent team mode delivers the depth that serious financial analysis requires.

Use "agent" for quick financial lookups — current stock price, simple calculations, or basic metric checks.

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Example Prompts

Comprehensive stock analysis:

"Create a full investment analysis for AMD:

1. Business Overview — segments, revenue mix, competitive positioning
2. Financial Performance — last 8 quarters revenue, margins, EPS trends
3. Valuation — P/E, P/S, PEG vs peers (NVDA, INTC, QCOM)
4. Growth Catalysts — AI/datacenter, gaming, embedded
5. Risk Factors — competition, cyclicality, customer concentration
6. Bull/Bear/Base price targets

Interactive HTML report with comparison charts."

Financial model:

"Build a startup financial model:

Business: B2B SaaS, project management tool Current: $30K MRR, 200 customers, $150 ARPU Growth: 12% MoM for 12 months, then 8% for next 12 Team: 8 people now, hiring 4 in next year Expenses: $180K/month burn rate

Create a 24-month projection showing:

• Revenue forecast with cohort analysis
• Expense breakdown and hiring plan
• Cash flow and runway
• Unit economics (CAC, LTV, payback period)
• Break-even analysis

Deliver as Excel spreadsheet with charts."

Personal finance:

"I'm 28, earning $120K/year in San Francisco. I want to:

1. Max out 401K contributions
2. Build a 6-month emergency fund ($30K)
3. Save for a house down payment ($100K in 5 years)
4. Start investing in index funds

Create a detailed monthly financial plan that shows how to prioritize these goals with my take-home pay after taxes. Include a timeline and visual roadmap."

Earnings analysis:

"Break down Tesla's most recent quarterly earnings:

• Revenue vs estimates (beat/miss by how much?)
• Automotive margins — trend over last 4 quarters
• Energy and services segment performance
• Key quotes from management on guidance
• What analysts are saying post-earnings
• Bull and bear reactions

Deliver as a concise PDF report with charts."

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Tips for Better Financial Analysis

1. Be specific about metrics: "Revenue growth" is vague. "YoY revenue growth for the last 8 quarters with segment breakdown" is precise.

2. Specify time horizons: "Analyze AAPL" is open-ended. "Analyze AAPL's performance and outlook for the next 12 months" is actionable.

3. State your purpose: "For an investment decision", "For a board presentation", "For personal planning" — context shapes the analysis.

4. Include constraints: Budget, risk tolerance, time horizon, tax situation — these matter for financial recommendations.

5. Request scenarios: "Include bear, base, and bull cases" gives you a range, not just a point estimate.

6. Ask for the deliverable you need: "Interactive dashboard", "PDF memo", "Excel model" — specify the format for the best result.