fin-cog（翅片齿轮）

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):

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):

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:

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

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.

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

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

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

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

1. 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.