Cash Flow Quality Card

Problem addressed

When assessing whether a company is truly “making money,” net profit can be affected by accounting policies and working-capital timing. This skill answers a narrower question: whether earnings are converting into cash, whether operating cash flow is stable, and whether the cash-flow view is suitable for peer comparison. It is useful for building a company-level cash-flow quality baseline before comparing peers.

How it works and key fields

The skill expects a confirmed symbol and should be invoked through the unified facade wm.sh run, rather than hand-rolling authenticated HTTP calls. The response is a flat MAP. Prefer reading fields such as data.ncfo_current and data.ncfo_np_ratio; data.result.ncfo_* is also supported for compatibility.

• NCFO: ncfo_current is the net operating cash flow, usually on a TTM basis
• Net cash ratio: ncfo_np_ratio is NCFO divided by net profit and is the core earnings-quality signal
• PCF: pcf compares the stock price against operating cash flow
• Per-share view: ps_ncfo is operating cash flow per share, not the total cash-flow amount
• Stability: ncfo_3y_min provides the lowest operating cash flow level over the last three years
• Basis metadata: cf_kind, annual, and sas_last help identify the series and latest reporting basis

Interpretation should focus on the net cash ratio and cf_kind. Do not present ps_ncfo as a total amount, and do not replace this card with ad-hoc cash-flow reconciliation built using eval.

Boundaries

This skill does not replace debt-safety evaluation, dividend coverage analysis, or a general company overview. Use wm-debt-safety for solvency, balance-sheet, and debt-risk questions; use wm-dividend-quality for dividend and cash-coverage questions; and use wm-company-card for a broader company baseline. Financial units should follow the returned values, and conversions to “hundred million” or similar scales should be verified before use.