How to Read Your Fundamental Research Report

A price tells you the cost.
A report tells you
the evidence.

One 6-page research document — growth, margins, cash flow, balance sheet, valuation, and DCF scenarios — with full data provenance and confidence score.

6-page PDF Under 60 seconds First report free
9
Categories
3×3
DCF Grid
6
Pages
14min
Free Course
Free course — click any chapter to jump
15 Chapters 14:20 · EN subtitles
0:00
Why Generate a Fundamental Report?
1:02
Company, Statement Date & Freshness
2:01
Rule Score, Confidence & Research Quality
3:02
Research Summary, Key Strength & Key Risk
3:53
Summary Tiles & Nine-Category Scorecard
4:48
Bear, Base, Bull & Current Price
5:53
Reading the 3×3 DCF Sensitivity Table
6:52
Data Limitations & Key Financial Metrics
7:44
Business Moat & Revenue-Growth Consistency
8:45
Margin Quality & Free-Cash-Flow Strength
9:36
Balance-Sheet Safety & Returns on Capital
10:28
Dilution, Valuation & Structural Growth
11:28
Provenance, Currency & Verification
12:23
How the Report Should Affect Your Decision
13:22
Generate, Download & Use Your Report
Why it matters

Don't let a price move make your decision for you

A stock price tells you what the market is charging today. It does not tell you whether the underlying business is financially strong, or whether the price already assumes exceptional future performance. The report separates those two questions.

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One consistent process for every stock

The engine applies the same transparent tests to every supported company. Consistency helps you compare opportunities without changing the rules to fit a preferred stock.

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All the data in one printable record

Growth, margins, cash flow, leverage, returns on capital, valuation multiples, and DCF scenarios gathered from separate screens — organized into six pages you can keep and revisit.

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Data date and confidence are always visible

The report preserves the statement date, freshness label, data-quality confidence score, and source of every calculation. A precise-looking number without a date is not precision — it is false certainty.

⚠️

Research quality and valuation are kept separate

An excellent business is not automatically an attractive purchase at every price. The engine explicitly labels both fundamental quality and valuation risk so they can disagree — and often should.

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Turns a score into a testable thesis

Key Strength and Key Risk fields are not decorative. They tell you exactly where your independent verification should begin — and what evidence would weaken or confirm the interpretation.

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Anti-guru, anti-hype by design

No buy/sell calls. No overnight-wealth framing. No hidden methodology. Every score, label, and DCF assumption is disclosed in the report itself so you can challenge it.

What's inside every report

15 layers of evidence, zero guesswork

Every report follows the same structure, in the same order, every time. Here is exactly what you get and why each section exists.

1

Why Generate a Fundamental Report?

Sets the research frame — what the report can and cannot tell you before you read a single number.

2

Company, Statement Date & Freshness

Confirms ticker, sector, and industry. Compares the report generation date with the financial period the calculations actually cover.

3

Rule Score, Confidence & Research Quality

Rule Score (0–100) measures how many financial-quality conditions were satisfied. Confidence measures the completeness of the dataset supporting that score.

4

Research Summary, Key Strength & Key Risk

The fastest responsible orientation — combined quality label, valuation label, and the one strength and one risk most likely to change the interpretation.

5

Summary Tiles & Nine-Category Scorecard

Six summary tiles compress the report into quality, growth, profitability, balance sheet, valuation, and earnings quality. Nine detailed categories follow with individual scores and evidence.

6

Bear, Base, Bull & Current Price

Three DCF scenarios beside the market price. The expectation gap — base fair value vs. current price — frames the assumptions the market is making.

7

3×3 DCF Sensitivity Table

Discount rate across columns, terminal growth across rows — nine fair-value estimates that replace a single deceptively precise number with a range you can stress-test.

8

Data Limitations & Key Financial Metrics

Explicit disclosure of where the engine lacks history or clean data, followed by a compact snapshot of cash, debt, margins, P/E, current ratio, and D/E.

9

Business Moat & Revenue-Growth Consistency

Evidence-based competitive-durability assessment and multi-year revenue pattern — with explicit distinction between organic demand and temporary or accounting-driven growth.

10

Margin Quality & Free-Cash-Flow Strength

Gross, operating, and net margins vs. sector benchmarks. TTM FCF computed from the latest four reported quarterly periods — source and quarter-end dates recorded.

11

Balance-Sheet Safety & Returns on Capital

Liquidity ratios, interest coverage, D/E formatted to avoid misleading percentage conversions. ROE, ROA, and ROIC benchmarked against sector and the company's own history.

12

Dilution, Valuation & Structural Growth

Whether growth benefits each existing share. Trailing P/E, forward P/E, PEG with a 50% earnings-growth cap to prevent distortion. Structural vs. cyclical demand context.

13

Provenance, Currency & Verification

Data provider, engine version, currency, FCF source, generation time, and statement date — every field needed to reproduce the analysis or compare two reports correctly.

14

How the Report Should Affect Your Decision

Translates findings into a research thesis. Identifies what must remain true, what would invalidate it, and how to frame position sizing and margin-of-safety requirements.

15

Generate, Download & Use Your Report

The complete workflow — enter ticker, review freshness and confidence, inspect the weakest sections, stress-test valuation, download PDF to preserve your research record.

Nine-Category Scorecard

Start with the weakest section, not the strongest

Business Moat
Revenue Growth
Margin Quality
Free Cash Flow
Balance Sheet
Returns on Capital
Dilution
Valuation vs. Growth
Structural Growth

A navigation system, not an average

Each category carries its own weight and evidence. A weak valuation tile remains critical even when every operating-quality tile is green. Never average the nine categories into a single recommendation — read the evidence beneath the lowest score first.

Version 6.1 gates every category score behind a confidence threshold and the valuation gate, so a partial dataset cannot produce a misleadingly confident-sounding profile.

"A report becomes more valuable when it directs attention toward uncertainty and risk, not only toward attractive metrics."

3×3 DCF Sensitivity — Illustrative (NVDA example)

DR 9%
DR 10%
DR 11%
TG 3.5%
$189
$162
$141
TG 3.0%
$172
$146 ★
$128
TG 2.5%
$157
$133
$118
★ Base case. DR = discount rate. TG = terminal growth. Illustrative only — not financial advice.
3×3 DCF Sensitivity

Replaces false precision with a range you can interrogate

A single fair-value number creates misleading confidence because every input is uncertain. The grid changes the discount rate across columns and terminal growth down the rows — showing how sensitive the estimate is to each assumption.

  • The highlighted central cell matches the base assumptions displayed above the table
  • Lower discount rates or higher terminal growth raise estimated value — and vice versa
  • Choosing the highest cell because you want to own a stock is the bias the grid is designed to expose
  • Ask which assumptions are defensible based on competition, margins, and execution risk — then pick the corresponding cell
Report anatomy

Six pages, fully organized

Every report is the same structure for every stock — so comparison across opportunities is always apples-to-apples.

Page 1 — Overview

  • Company header & sector
  • Rule Score & Confidence
  • Research Quality label
  • Key Strength & Key Risk
  • Six summary tiles

Page 2 — Scorecard

  • Nine-category detailed scores
  • Fair-value bear / base / bull
  • 3×3 DCF sensitivity grid
  • Expectation-gap commentary

Page 3 — Financials

  • Data limitations disclosure
  • Key metrics table
  • Revenue growth chart (FY-labeled)
  • Annual growth bullets

Page 4 — Quality

  • Business moat evidence
  • Margin level & trend
  • TTM FCF (4 quarter-end dates)
  • FCF margin & source label

Page 5 — Capital

  • Balance sheet safety
  • ROE / ROA / ROIC vs. benchmarks
  • Dilution trend
  • Valuation multiples & PEG

Page 6 — Provenance

  • Data provider & engine version
  • Currency & FCF source
  • Statement date & generation time
  • Full methodology disclosure
Reports & Services

Research tools built for every level

Start with one report, scale to your full research workflow. Every tier uses the same rigorous engine.

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Free

Single Fundamental Report

Your first report is on us. Generate a complete 6-page PDF for any supported ticker — no credit card, no commitment.

  • Full 6-page PDF
  • Rule Score + Confidence
  • 3×3 DCF sensitivity grid
  • Nine-category scorecard
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Free

Live Stock Page Analysis

Every stock page shows a live fundamentals panel — scores, tiles, and key metrics — before you generate the full PDF.

  • Live fundamental scores
  • Real-time key metrics
  • Valuation label & fair value
  • Direct link to full PDF
The workflow

From ticker to research record in five steps

1

Enter your ticker

Type any supported US-listed ticker. The engine validates the company before running.

2

Review freshness

Check the statement date and confidence score before trusting any conclusion.

3

Inspect the weakest tiles

Navigate to the lowest-scoring categories first — that is where your verification should begin.

4

Stress-test the valuation

Use the 3×3 DCF grid to understand which assumptions the current market price requires.

5

Download & preserve

Save the PDF so your assumptions and source dates remain part of your research record.

Common questions

Everything you need to know

What does the Rule Score actually measure?
How strongly the available evidence performed across the engine's defined financial-quality tests — 0 to 100. A high score means many conditions were satisfied. It is not the probability that the share price will rise, and it does not eliminate valuation risk or business uncertainty.
What is the Confidence score?
Completeness and reliability of the dataset. Missing statements, too few quarters, unavailable cash-flow fields, stale data, and unknown section ratings all reduce confidence. When it falls below the publishable threshold, the engine suppresses strong-sounding quality labels.
Why can quality be high and valuation risk elevated at the same time?
By design. An excellent business is not automatically an attractive purchase at every price. The engine deliberately keeps fundamental quality and valuation separate so both can be stated accurately — and so the disagreement, when it exists, is impossible to miss.
How is TTM free cash flow calculated?
The sum of exactly four quarterly FCF figures from the latest four reported periods. The report records the quarter-end dates so you can verify the exact period covered. The FCF margin uses the matching four quarters of revenue to avoid mixing annual and quarterly data.
What is the 3×3 DCF sensitivity table for?
To replace a single deceptively precise fair-value number with a nine-cell range. The discount rate varies across columns; terminal growth varies across rows. The highlighted base cell matches the assumptions shown above the table. You pick the cell whose assumptions you can actually defend.
Is this financial advice?
No. Every report is educational research that helps you ask better questions before committing capital. It cannot know your time horizon, portfolio concentration, tax situation, liquidity needs, or tolerance for loss. Always verify critical figures with primary filings before making financial decisions.
Why does the PEG ratio cap earnings growth at 50%?
An unusual 200% earnings rebound from a depressed base would make a genuinely expensive multiple appear automatically cheap if fed uncapped into PEG. The cap prevents a one-time recovery from flattering the valuation score beyond what business fundamentals justify.
Can I compare reports across different stocks?
Yes — that is one of the core benefits. Because every report applies the same engine with the same tests in the same order, you can compare Rule Score, category scores, and valuation scenarios across different companies without changing the methodology to favor a preferred stock.

Structure your research.
Challenge your assumptions.

Enter a ticker, review the evidence, stress-test the valuation, and download a printable research record — all in under 60 seconds. The report won't make the decision for you. It will make the decision better.

Educational research only · Not investment, legal, or tax advice · Always verify with primary filings