Hire an AI business valuation and price reviewer

Everything it can hand back

Your task sets the actual outputs. The specialist picks the methods that cover them.

• A label of investment or speculation, with the questions a careful buyer asks
• Owner earnings as a low, middle and high figure
• A no-growth floor value and three growth values, each with what it needs to be true
• A rate check showing how much the answer leans on the rate
• A bad-year break-even test and a survival check
• A verdict on the discount, with what would make the estimate wrong

How it does the job well

• Reconcile to source documents, such as bank statements, ledgers and invoices, before reporting.
• Show the calculation, inputs and period for every figure.
• Label actuals, estimates and forecasts clearly.
• Send tax, legal and regulatory questions to a qualified professional.

Mistakes it avoids

• Mixing cash and accrual figures, or different periods, in one comparison.
• Rounding or formula errors that do not tie back to totals.
• Giving personal investment advice.

What a good result looks like

An example, not your task: You have a price for a business or a share of one and want to know what it is worth next to it.

• Step 1 label. Investment or speculation, with the questions a careful buyer asks.
• Step 2 owner earnings. Cleaned profit and a low, middle and high owner earnings figure, with the yearly trend.
• Step 3 value range. The rate used, a no-growth floor, three growth cases and what each needs to be true.
• Step 4 bad year. The worst likely events, the break-even sum and a holds, thin or fails call.
• Step 5 price against value. Where the price falls, the margin, a verdict and what would make the estimate wrong.
• Hand-back summary. Each step's file and every MISSING line in one list.

How the work is checked

• Each step passed its own checks, or the run stopped at the step that failed and says why.
• The steps ran in order, and each one used the result of the one before.
• Nothing was invented to fill a gap. Every gap is a MISSING: line.
• Every figure comes from the accounts or is marked missing.
• States which checks passed, failed or could not run, and names missing inputs.

These checks have not been run against a model yet. Your AI uses them to check its own work.

A second opinion

Before it hands back, your AI reviews the draft the way Warren Buffett and Benjamin Graham would. This is a way of reviewing the work. It does not mean they wrote or endorse it.

Capabilities

• Sorts investment from speculation. Asks whether careful study promises safety and a fair return at this price, without needing a price rise.
• Works out owner earnings. Profit plus non-cash charges, minus the spending to stay level and extra working capital, as a range.
• Builds the value range. A floor that assumes no growth, then low, middle and high cases with a fast stage and a slow stage.
• Tests a bad year. Finds how big a loss one year can bring before profit reaches zero, and whether the business survives.
• Judges the gap. Sets the price against each value and says whether the discount is wide enough for how rough the range is.

How the role works

1. Checks your task, context and available tools.
2. Picks the methods needed and prepares a work plan.
3. Carries out supported tasks, with each method's limits and review gates.
4. Checks the real deliverables and corrects supported faults.
5. Hands back files, evidence and unresolved gaps.

Your specialist's working setup

Download the base specialist without a task form or account. README.md and SETUP.md explain how to use the folder. SOUL.md defines its scope. INTAKE.md asks missing questions inside your AI. PLAYBOOK.md, SKILLS.md, BEST_PRACTICES.md, CHECKS.md and HANDOFF.md guide the work and its checked deliverables.

Complete associated skills, supporting files and licences are included. Choose only the methods needed for the actual task. Keep context, working files and accepted feedback in your AI project.

Use this specialist through MCP or the API

Call prepare_specialist with role_id business-valuation-discount only. No task is required to load it. Your AI asks what job you need done, what you want back and which relevant context it can use.

For task-led hiring, call find_specialist, explain the suggested specialists and let the user accept or change the team.

Complete ZIP: Download base specialist. API: GET /api/v1/specialists/business-valuation-discount/pack. The host AI supplies its own model, tools and execution; a pack does not connect accounts or run a task.

Inputs and helpful context

The specialist starts from the task brief. Only active methods require their inputs.

For the primary method, when used

• The business in a few lines, and the price or stake value you are weighing
• Four or five years of profit, depreciation, capital spending and working capital (receivables, stock and payables)
• Its cash, debts and money coming and going by date, for the bad-year survival check (optional)
• The yield on a long-term government bond today (optional)
• What its assets would sell for (optional)

Helpful context (optional)

• Five years of the company's accounts
• Today's long-term government bond yield
• The price or the stake value you are weighing

Tools and access

• Claude: Holds the chain of sums, each feeding the next, in one run.
• A spreadsheet: Lets you check the year-by-year sums and change the rate or growth with a click.
• Any good chat AI: Applying a fixed test and listing questions is text work. It cannot supply facts it does not have.
• A licensed financial adviser: Needed for any large or personal decision. This skill is not advice.
• A spreadsheet: Lets you keep the year-by-year table and rerun the sum when a new year arrives.
• Any good chat AI: Reading pasted statements and doing a short fixed sum is work any strong chat AI does well with this skill.
• A spreadsheet: Lets you check the year-by-year sums and change the rate or the growth with a click.
• Any good chat AI: Doing a fixed multi-step sum from stated inputs is work a strong chat AI does well with this skill.
• A spreadsheet: Lets you change the loss share or sales fall and see the year's profit move.
• Any good chat AI: Choosing the right sum and doing it step by step is work a strong chat AI does well with this skill.
• Claude, ChatGPT or Gemini: Combining two estimates and writing a reasoned verdict is text work. No files, web access or paid tools needed.
• A licensed financial adviser: Needed for a large or personal decision. This skill is a method, not advice.

Functions and deliverables

• Business valuation and price reviewer: Estimate owner cash earnings and a business value range. Test a weak year and compare the asking price with those estimates.
  • A label of investment or speculation, with the questions a careful buyer asks
  • Owner earnings as a low, middle and high figure
  • A no-growth floor value and three growth values, each with what it needs to be true
  • A rate check showing how much the answer leans on the rate
  • A bad-year break-even test and a survival check
  • A verdict on the discount, with what would make the estimate wrong
• Investment or speculation sorter: Paste a purchase you are weighing and why. This investment or speculation sorter labels it and lists the questions a careful buyer asks.
  • A label: investment or speculation, with the reasons
  • What you would own in the thing, in plain words
  • A rough value as a range, with its assumptions, set against the price
  • The questions a careful buyer asks, with what you know and what you do not
• Owner earnings calculator: Share profit, spending and working-capital figures. Get labelled cash estimates, with a range only when the inputs and order support it.
  • A year-by-year table with one-off items removed
  • Three labelled upkeep and owner-earnings candidates
  • An order check and either an eligible range or NO VALID ORDERED RANGE
  • Ratios and growth only where the inputs support them
  • Missing figures and method limits
• Business value range calculator: Share owner earnings and their basis. Get a no-growth estimate, three growth cases and a higher-rate check, with assumptions shown.
  • A call on whether the cash can be estimated
  • The rate used and why
  • A no-growth floor value
  • Low, middle and high values with the growth each assumes
  • A rate sensitivity row and where a given price falls
• Bad-year break-even tester: Share profit, exposure and cash-flow figures. Get break-even stress sums, risk evidence and gaps, without a forecast guarantee.
  • A list of events with how likely each is and why
  • A break-even sum for the worst likely event
  • A survival check against cash and debts
  • A list of risks that cannot be priced
  • A call of holds, thin or fails, and the fact to watch
• Investment margin of safety reviewer: See if a price leaves a real margin of safety against your value range and asset floor, and what caused and could close the gap.
  • One range of approximate value, with its width
  • Where the price falls against it, whether above, inside or below the low end
  • The margin compared with the uncertainty
  • A likely cause of the gap, tested against real decline
  • What could close the gap, how slowly, and the downside if it does not
  • A verdict with ranked reasons and what would change it
  • A list of every input marked MISSING
• me.md builder: Answer a few questions, or let your AI use what it remembers. Get one private file that tells any AI who you are.
  • One me.md file with up to ten dated sections
  • A list of facts taken from memory, for you to check
  • A short note of what it removed for privacy
  • The two next steps, to save it and set it up
• Warren Buffett: Review a business using Warren Buffett’s recorded principles. Check how it earns, what protects it, how managers use cash and which facts remain uncertain.
  • Your problem worked on the way Warren Buffett would: their questions, their method, their push-back
  • The answer or the work, in Warren Buffett's voice, using their ideas by name
  • Anything that goes beyond their public record, marked
  • One suggested next step
• Benjamin Graham: Learn to separate price from value using Benjamin Graham’s recorded frameworks. Check the evidence, the downside and the room for error.
  • Your problem worked on the way Benjamin Graham would: their questions, their method, their push-back
  • The answer or the work, in Benjamin Graham's voice, using their ideas by name
  • Anything that goes beyond their public record, marked
  • One suggested next step

Tasks you can use it for

• You have a price for a business or a share of one and want to know what it is worth next to it.
• A business passed your tests and now needs a value.
• You want to see what growth a price asks you to believe.
• An owner or a partner offers to sell you their share, and you need a number to answer with.

Limits to check before starting

• You have not yet checked the business is any good: run Long-term business quality reviewer first.
• You hold a listed company and want an asset floor from its balance sheet too: use Stock valuation margin-of-safety reviewer.
• You are buying a whole small business from a broker's listing: use Small business acquisition reviewer.
• The record is short or swings between big losses and big gains. The run may stop at too hard to value.

Best way to use this role

Give it one clear outcome, the actual files and a definition of done. Keep the work in one AI project so it can reuse checked context and earlier files.

• Download the handoff pack. It's a zip with HANDOFF.md and every skill file this workflow uses.
• Give the folder to Claude (in Claude Code, or as files in a Claude Project) and say "Follow HANDOFF.md".
• Describe the business and the price, then paste or attach the accounts. Add today's long-term bond yield if you have it.
• It runs five steps and saves each one. A missing figure is marked MISSING, never guessed. If it says "too hard to value", the run stops there.
• Read the floor first, then the three cases. Check the bad-year test against what has happened in the field before you trust the verdict.

Read it as data

Read the complete role setup as JSON. Connect your AI to the AI Blocks MCP library and read aiblocks://roles/business-valuation-discount for its role instructions and pinned sources.

This is a prepared AI role. No task has run. Your AI carries out authorized work using its available tools and reports the actual deliverables and checks.