Bear
MOS —
$—
Fair value estimate
Daily-refreshed, transparent value checks
Know what a stock is worth before you buy.
A single-stock workflow that surfaces assumptions, calculates intrinsic value ranges, and makes uncertainty explicit.
US stocks only · Daily refresh · No login required
Value Check Final Score
7/10
Margin of Safety
+8%
Solvency
Safe
Shareholder Yield
9.8%
Last Updated
Daily
Trending
Pre-cached dailyAnalyzer
Last updated: —
Value Check Final Score
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Moat Signals
One-line moat read on pricing power, capital intensity, balance-sheet risk, solvency, and buybacks.
Filing Delta
Waiting for filing dataLatest 10-K/10-Q changes vs previous filing.
Quality Factor Matrix
10 fundamental testsSnapshots
Quick readoutsCompare market price vs intrinsic range.
Head-to-Head Compare
Stack two stocks side by side and see who wins on fundamentals.
Tale of the Tape
Value Scenario Lab
Build base, bull, and bear fair values from your own assumptions. Free-only model.
Assumptions
Tune assumptions and see estimated fair value range. Use Required Growth mode to solve what growth must be true at today's price.
How to read this: Small changes in discount rate or exit multiple can move value a lot.
Use Base first, then stress-test with Conservative and Optimistic presets.
Scenario Outputs
Each scenario auto-adjusts growth, discount, and exit multiple around your base case.
Base
MOS —
$—
Fair value estimate
Bull
MOS —
$—
Fair value estimate
Scenario spread and margin of safety will appear here.
Sensitivity Map
Fair value gap vs marketRows are discount rate, columns are growth rate. Each cell shows margin of safety.
< -20%
-20% to 0%
0% to +20%
> +20%
Fair Value Analysis
Comparing intrinsic value models vs. market price.
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Valuation Range
DCF · Graham · Lynch—
Verdict
Market expectations vs. intrinsic value—
Investment Memo
Generated summary. Edit as needed.
This analysis is generated by AI and is not financial advice.
Snapshot
Read-only summary for sharing.
Signal vs. Noise.
Don't get distracted by too much data. Our algorithms isolate the few critical metrics that actually determine a business's long-term durability, filtering out the noise to focus purely on quality.
1. Profitability & Pricing Power
Gross Margin > 40%
High gross margins indicate pricing power. If a company can mark up its goods significantly, it likely has a brand moat rather than a commodity product.
Net Margin > 20%
This measures the bottom line. A company that keeps more than 20 cents of every dollar of revenue is highly efficient and likely dominates its niche.
Return on Equity > 15%
ROE measures how efficiently management uses shareholder capital. Consistently high ROE is the hallmark of a compounder.
2. Operational Discipline
SG&A < 30%
Selling, General, and Admin costs should stay low. If a company must spend heavily on sales and marketing to maintain demand, its moat is weaker.
R&D Reliance < 30%
We prefer companies that do not need constant reinvention just to survive. High R&D dependence can indicate intense competition.
Capex Efficiency < 50%
Great businesses do not require heavy capital expenditure to grow. We look for companies that can maintain operations using less than half of earnings.
3. Solvency & Safety
Debt / Equity < 0.5
We avoid high leverage. A ratio under 0.5 suggests the business is primarily funded by retained profits, not by borrowing.
Interest Coverage > 6x
We require operating income to be at least 6 times interest expense, creating a margin of safety during weak cycles.
Consistent Earnings
We want at least a 5-year track record of positive earnings to avoid story stocks that rely on future promises.
4. Capital Allocation
The "$1" Retained Earnings Test
For every $1 of earnings management keeps, long-term market value should increase by at least $1. If it does not, shareholders would likely be better served by distributions.
"We test the wisdom of retaining earnings by assessing whether retention delivers at least $1 of market value for each $1 retained." - Warren Buffett
Disclaimer: This application is for educational and informational purposes only. It does not constitute financial advice, investment recommendations, or an offer to buy or sell securities.
Financial data is sourced from free providers and may contain inaccuracies. Always conduct your own due diligence and consult a certified financial advisor before making investment decisions.
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Questions, feedback, and disclaimers.
FAQ
Is this financial advice? No. This app is for educational use only.
Why is data not real-time? We use free-tier data and refresh daily.
Can I save my notes? Not in MVP. Snapshots are shareable and read-only.