📈 Stock Evaluator

These frameworks were designed to be applied with judgement, not just arithmetic. The checks here are the subset that can be computed from Yahoo Finance fundamentals — several of the most important criteria from each investor cannot be, and you need to research them yourself before acting on any score.

• Economic moat (Buffett). Brand power, switching costs, network effects, and pricing power are qualitative. A high ROE may suggest a moat but does not prove one.
• Management quality & capital allocation (Buffett, Dalio). Read the last few annual letters / 10-Ks. Track record of buybacks vs. dilution, honesty in communication, skin in the game.
• Margin of safety (Graham). Requires your own estimate of intrinsic value. A stock passing the P/E and P/B screens is cheap on reported numbers, not automatically undervalued.
• Earnings quality & accounting. Reported EPS can be inflated by one-offs, aggressive revenue recognition, or capitalised expenses. This tool takes Yahoo's numbers at face value.
• Industry dynamics & economic machine (Dalio). Where the company sits in the debt/credit cycle, regulatory risk, commodity exposure, disruption risk.
• Forward-looking risks. Pending litigation, customer concentration, key-person risk, geopolitical exposure, technology obsolescence.
• Data gaps. Small-caps, new listings, and some ASX micro-caps have missing Yahoo fields. Missing criteria are skipped, which can make a thinly-covered stock look artificially "clean."
• Financial-sector quirks. Banks and insurers have a balance-sheet structure where debt/equity is structurally high; this tool skips D/E for them, but book value, loan-loss provisions, and regulatory capital need separate analysis.
• Point-in-time snapshot. The score reflects the latest reported quarter. It says nothing about trajectory, guidance, or what the market is already pricing in.

Treat a high score as a shortlist signal, not a buy recommendation. Do the qualitative work before committing capital.