fin-cog

# Fin Cog - Wall Street-Grade Analysis, Accessible Globally **Wall Street-grade analysis, accessible globally.** Deep financial reasoning powered by #1 on DeepResearch Bench (Apr 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. ## How to Use For your first CellCog task in a session, read the **cellcog** skill for the full SDK reference — file handling, chat modes, timeouts, and more. **OpenClaw (fire-and-forget):** ```python result = client.create_chat( prompt="[your task prompt]", notify_session_key="agent:main:main", task_label="my-task", chat_mode="agent", ) ``` **All agents except OpenClaw (blocks until done):** ```python from cellcog import CellCogClient client = CellCogClient(agent_provider="openclaw|cursor|claude-code|codex|...") result = client.create_chat( prompt="[your task prompt]", task_label="my-task", chat_mode="agent", ) print(result["message"]) ``` --- ## 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" --- ## 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" --- ## 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"` | | High-stakes investment decisions, M&A due diligence, institutional-grade research | `"agent team max"` | **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. **Use `"agent team max"` for high-stakes financial work** — investment decisions with significant capital at risk, M&A due diligence, regulatory filings, or boardroom-ready deliverables where the extra reasoning depth justifies the cost. Requires ≥2,000 credits. --- ## 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." --- ## 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. --- ## If CellCog is not installed Run `/cellcog-setup` (or `/cellcog:cellcog-setup` depending on your tool) to install and authenticate. **OpenClaw users:** Run `clawhub install cellcog` instead. **Manual setup:** `pip install -U cellcog` and set `CELLCOG_API_KEY`. See the **cellcog** skill for SDK reference.