Read the full methodology, with every threshold →
The score combines three buckets into a single 0–100 risk gauge. Higher = lower risk and a more favorable profile. The verdict tier is derived from the same number.

Bucket weights

• 35% Valuation — is the stock cheap or expensive?
• 35% Financial Health — can the company survive a downturn?
• 30% Growth — is the business actually growing?

Each bucket score is the mean of its 6 metrics. The overall score is a weighted average. Metrics with no data are skipped (not penalized).

Valuation metrics (35%)

Metric	How it's scored
Trailing P/E	≤10 ≈ 95 · 20 ≈ 70 · 35 ≈ 30 · ≥50 ≈ 10 · negative → 5
Forward P/E	Same scale as trailing P/E.
PEG Ratio	≤0.5 ≈ 95 · 1 ≈ 80 · 1.5 ≈ 55 · ≥3 ≈ 15 · negative → 10
Price / Sales	≤1 ≈ 95 · 4 ≈ 65 · ≥10 ≈ 20
Price / Book	≤1 ≈ 95 · 4 ≈ 60 · ≥10 ≈ 20
EV / EBITDA	≤6 ≈ 90 · 14 ≈ 55 · ≥30 ≈ 10 · negative → 10

Financial Health metrics (35%)

Metric	How it's scored
Debt / Equity	≤0.3 ≈ 90 · 1 ≈ 55 · ≥2.5 ≈ 15
Current Ratio	≥2 ≈ 95 · 1 ≈ 55 · ≤0.5 ≈ 20
Quick Ratio	≥1.5 ≈ 95 · 1 ≈ 80 · ≤0.5 ≈ 35
Interest Coverage	≥20× ≈ 100 · 5× ≈ 70 · ≤1× ≈ 20
FCF Margin	≥15% ≈ 88 · 5% ≈ 60 · ≤0 ≈ 40
Net Margin	Same scale as FCF margin.

Growth metrics (30%)

Metric	How it's scored
Revenue YoY	≥20% ≈ 90 · 10% ≈ 75 · 0% ≈ 40 · ≤-5% ≈ 25
EPS YoY	Same scale as Revenue YoY.
Revenue 3Y CAGR	Same scale.
EPS 3Y CAGR	Same scale. N/A when Yahoo only returns one year.
Gross Margin Trend	Latest annual GM − prior year. +2pp ≈ 85 · flat ≈ 55 · −2pp ≈ 25
Forward Rev Growth	Same scale as Revenue YoY.

Card colors

• Beat Metric scored ≥ 70
• Caution 40 – 69
• Miss < 40
• N/A Data not available — metric is skipped, not penalized

Verdict tiers

• ≥ 75 — Strong profile
• 60 – 74 — Solid profile
• 45 – 59 — Mixed profile
• 30 – 44 — Weak profile
• < 30 — Very weak profile

Verdicts are withheld ("Limited data") when fewer than 40% of metrics are available.

Sector-aware thresholds

Financials, Real Estate, Utilities, Energy and Technology are scored with sector-adjusted models: metrics that are structurally meaningless for a sector (e.g. current ratio or FCF margin for banks, PEG for REITs) are excluded rather than penalized, and thresholds with different sector norms (e.g. debt/equity for banks and utilities, price/sales for software) use sector-appropriate bands. The model used is named under the score. All other sectors use the standard bands below.

Investment lens (re-weights the score)

The Default 35/35/30 weighting fits most situations, but the same metrics can answer different questions depending on your intent. The lens picker above the gauge re-weights the buckets without changing any underlying metric — pure frontend re-aggregation.

Lens	Val / Health / Growth
Default	35 / 35 / 30 — balanced
LT Hold	30 / 40 / 30 — tilt toward durability for long-term holds
Value	50 / 30 / 20 — cheapness first
Growth	20 / 30 / 50 — acceleration over price
Income	40 / 40 / 20 — balance + dividend focus

Valuation context strip

Each valuation card shows two reference points alongside the raw value:

• Percentile (recent) — where this stock's current ratio falls in its own ~4-quarter history from Yahoo's free tier. "25th pct" means it's been higher than this 75% of the time recently. Small sample, so treat as directional, not authoritative.
• vs sector median — current ratio compared to a hardcoded sector-median snapshot (2026-Q2). Green if cheaper than the sector, red if richer. Sector medians drift slowly; the snapshot is updated quarterly.
• Both displays are additive context — they don't change the metric's score or color tier.

Smart Money

Insider transactions and institutional ownership are among the strongest publicly available signals for retail investors. The card on page 2 shows:

• Net insider activity (6m) — sum of buy and sell $ values across the most recent 6 months of Form 4 filings. Buying signals conviction; heavy selling can warn of trouble (but also tax events or diversification).
• Ownership breakdown — insider %, institutional %, retail % (computed as 1 − insider − institutional).
• Top 3 institutional holders — largest funds, % stake, and QoQ change. A change of "+100%" usually means a newly opened position, not a doubling.
• Recent transactions — last few Form 4 filings: who, when, buy/sell, $ value.

Data & caveats

• Source is Yahoo Finance (live, free). Prices may be delayed up to 15 minutes on Yahoo's free tier.
• Reports cache for 6 hours per ticker. Click Refresh to force a fresh fetch.
• If Yahoo is unreachable, the dashboard serves the last known-good cached row with a yellow banner — values are still shown but flagged stale.
• Analyst targets are the consensus of N sell-side analysts. Individual bylined targets (Morgan Stanley, Goldman, etc.) require paid feeds.
• Some metrics may be N/A — Yahoo's free tier doesn't expose every field for every ticker.
• Sector medians are a static snapshot, not live. Drift between snapshots is small but possible.

How to use this

• Treat the score as one input, not a recommendation. It doesn't know about industry context, regulatory risk, management quality, or product cycles.
• Early-stage / pre-profit growth stocks will almost always score low on valuation — weight the growth bucket more heavily in your judgment.
• Mature defensive names will score lower on growth — weight valuation and health more.
• Look at the catalysts vs risks column to see which specific metrics are dragging the score in either direction.
• Cross-check with the analyst target band: if the stock is trading near or above the high target, the upside expectation is already priced in.