Indexedyennanliu/InvestSkill

Capital Allocation Analysis (InvestSkill)Finance Skill

This prompt provides a broad capital-allocation report outline, but its custom safety grades are not validated ratings. Review found outdated ex-dividend timing, an incorrect tax holding-period window, cash-flow double-counting and ambiguous buyback units. Reconcile company filings and distribution terms before using the checklist; fixed thresholds and income projections are assumptions. No portfolio, tax outcome or host execution was tested.

Assessment score: 63/100
Snapshot risk: High
Audit conclusion: Needs review

How the assessment score works

Pineify weights evidence recorded from the captured files: Skill structure 15%, Instruction clarity 20%, Dependency transparency 20%, Permission transparency 20%, Safety guardrails 15%, Finance task fit 10%. Each signal receives full credit for Yes, one-quarter credit for unknown, and none for No.

The score is not an output accuracy test or user rating. Read the findings and financial assumptions even when the score is high. Risk labels summarize recorded permissions and findings; they do not measure investment risk or certify that installation is safe.

Discovery

What this Skill helps an agent do.

Use the tasks and topics below to judge whether the captured workflow fits your question. Read its findings, dependencies and data requirements before relying on an output.

Finance tasks

Dividend analysisCapital allocation analysis

Domains and assets

Equity researchFundamental analysisPublic equities

Topics

dividendcapital-allocationbuybackmerger-acquisitiondebt-managementfcf-deploymentdividend-safetydividend-growthyield-trapchowder-ruledividend-aristocratsincome-investing

Trust

Evidence from the captured directory.

This content snapshot assessment does not certify the repository, current files, or installation environment. "Not verified" means the captured files did not support a Yes or No conclusion.

License

MITYes

GitHub reports the repository license as MIT License.

Review state

Automated review: Automated review
Install tested: No
Human reviewed: Not verified

Snapshot

Files reviewed: 1
Captured: 2026-07-29 07:31 UTC
Snapshot ID: fsh-dividend-analysis-yennanliu-2026-07-29-001

Permissions

FilesystemRead

The skill does not read local files. It accepts ticker symbols or portfolio lists as input.

FilesystemWrite

The skill does not write local files. Output is presented as text.

NetworkAccess

Yes

Data verification requires web search for current price/market cap. Data sources include SEC EDGAR, Simply Safe Dividends, Dividend.com, Bloomberg, Morningstar, GuruFocus, etc. accessed via web search.

ShellExecution

Pure prompt skill with no code execution.

CodeExecution

Pure prompt skill with no code execution.

ExternalCredentials

Not verified

Bloomberg, FactSet and premium dividend research are suggested, but no access method or entitlement is established. Public filing research need not use these services.

Dependencies

No dependencies were named in this captured record.

Data sources named by the Skill

Web market data

Web search for current prices, dividend data, and capital allocation metrics. No API key required.

SEC EDGAR filings

SEC 10-K and 10-Q for financial data and capital allocation disclosures. No API key required.

Snapshot assessment

63/100

Pineify Finance Skill snapshot assessment, version 1.0.0. Generated 2026-10-20 00:00 UTC.

High risk · Needs review

Skill structure

70/100

Instruction clarity

81/100

Dependency transparency

59/100

Permission transparency

75/100

Safety guardrails

30/100

Finance task fit

46/100

Audit findings

High

Reconcile cash sources and uses before judging coverage

Both levered and unlevered free cash flow normally deduct capital investment; the source suggests adding capex back as a separate use merely because FCF is unlevered. Define and reconcile the issuer metric, then include borrowing, equity issuance, asset sales and opening cash as needed instead of forcing uses to 100% of FCF. Negative or zero FCF makes payout ratios unsuitable. Cash divided by annual dividends measures years, not the claimed months; multiply by 12 for months.

High

Dividend dates and US tax conditions need correction

The source says record date is normally one business day after ex-date. Under current FINRA Rule 11140, ordinary distributions below 25% normally go ex on the business-day record date; large distributions and other exceptions differ. Use the declared exchange ex-date. IRS Publication 550 specifies more than 60 days within a 121-day window for the usual common-stock holding test, not 120 days, and eligible payers can include qualified foreign corporations. Distribution character and investor circumstances must be checked; MLP payments are not universally a simple tax-free return of capital.

Medium

Share reduction and distribution yield are not investment return

Net buyback rate must use share quantities consistently; cash repurchases minus accounting SBC expense divided by shares is not a share reduction percentage. Average purchase price uses shares purchased, not necessarily shares retired. Reconcile issuance, repurchases and ending shares. EPS accretion or a positive net buyback rate alone does not establish value creation. Dividend yield plus gross buyback yield measures distributions relative to market value, not total shareholder return or an equity risk premium. A positive Treasury spread is not automatically attractive.

Medium

Safety grades and capital-allocation scores are custom heuristics

FCF payout and its reciprocal coverage receive 45 combined points, so they double-count one input. This custom Safety Score is not a verified Simply Safe Dividends rating. Chowder thresholds, fixed acquisition multiples, yield bands, leverage bands and the 30–60% income contribution have no supporting study here. Goodwill impairment is a warning to investigate, not proof of original overpayment. Dividend growth can exceed EPS growth temporarily; a changing payout ratio must be modeled rather than applying an immediate unsustainable label. Projected DRIP income requires explicit price, reinvestment, tax and dividend assumptions.

Low

No supporting files or README in the snapshot

The skill directory contains only SKILL.md with no README, reference files, or supporting documentation. All instructions are inline in the 30,214 byte SKILL.md.

Sources and relations

Context around this Skill.

Repository

yennanliu/InvestSkill

topic

Dividend safety & payout ratio analysis

topic

Dividend growth trajectory & sustainability

topic

Capital allocation quality: dividends, buybacks, M&A, debt

topic

Share buyback discipline & price timing

topic

Dividend yield trap detection & FCF verification

agent

Claude Code

collection

US stock analysis

guide

Reviewing finance skills before install

Registry

Read this record as data.

The public record includes the page-safe snapshot, evidence, assessment, taxonomy, and relations. Internal revision fields stay outside the public projection.

Record ID: github:yennanliu/investskill:plugins/us-stock-analysis/skills/dividend-analysis
Snapshot ID: fsh-dividend-analysis-yennanliu-2026-07-29-001

Registry JSON

Registry NDJSON

Search Index JSON

This page is an informational registry entry, not investment advice or a security guarantee. A high content quality score does not make the Skill safe for every environment. Review current files, permissions, data sources, and financial assumptions before use.