Information & Glossary
How to Use
Search: From the home page, type a company name (e.g. "Apple") or stock ticker (e.g. "AAPL") and click Analyze. If multiple matches are found, select the correct one.
Dashboard: View a full financial breakdown including KPIs, revenue trends, analyst targets, AI-generated outlook, financial health indicators, news, and peer comparison.
Excel Download: Click "Download Excel Report" at the bottom of any dashboard to get a styled spreadsheet with all sections.
Stock Tracker: Add tickers to your personal watchlist, set price alerts, and refresh quotes. Your watchlist is stored in your browser (localStorage) and persists across sessions.
Understanding Portfolio Analysis
Upload: Export your positions CSV from your brokerage (Fidelity, Schwab, Vanguard, E*Trade, and others are supported). Account numbers and sensitive fields are automatically stripped in your browser before upload.
Sector Allocation: Shows your portfolio broken down by sector. ETFs and mutual funds are analyzed using look-through analysis, distributing their value across underlying sectors.
Concentration Alerts: Any single holding exceeding 15% of your portfolio is flagged as a potential concentration risk.
Diversification Gaps: Industries tracked by our analyst picks database that have zero direct exposure in your portfolio, with top analyst-rated picks for each gap.
Analyst Consensus Overview: Aggregates Buy/Hold/Sell ratings and implied upside across all your covered holdings. Sortable by symbol, upside, rating, and more.
Insight Widgets: After the initial analysis loads, additional widgets load in the background — sector momentum heatmap, news digest for your top holdings, AI-generated portfolio commentary, and peer valuation comparisons.
Portfolio Terms & Concepts
- Look-Through Analysis
- When your portfolio contains ETFs or mutual funds, the analyzer breaks them down into their underlying sector exposures. For example, if you hold SPY, its value is distributed across Technology, Healthcare, Financials, etc. based on the fund's actual allocation rather than counting as a single holding.
- Concentration Alert (>15%)
- Any single holding that exceeds 15% of your total portfolio value is flagged. High concentration in one stock increases risk — if that company underperforms, a large portion of your portfolio is affected.
- Weighted Upside / Implied Upside
- The percentage difference between a stock's current price and the analyst consensus target price. "Weighted upside" in your portfolio overview weighs each holding's upside by its share of the portfolio, giving a single upside figure for the whole portfolio.
- Analyst Ratings
- Wall Street analyst consensus ratings displayed as colored badges: Strong Buy / Buy (green), Hold (yellow), Sell / Strong Sell (red). These represent the average recommendation across all covering analysts. "Low Coverage" means fewer than 3 analysts cover the stock, making the consensus less reliable.
- Diversification Gaps
- Industries where your portfolio has zero direct exposure. For each gap, the top analyst-rated stocks in that industry are shown with their recommendation badge and implied upside percentage, so you can identify opportunities to broaden your portfolio.
- Period Return
- The percentage gain or loss of your portfolio over a selected time period (1 day, 1 month, 3 months, 6 months, or 1 year). Calculated by comparing the weighted performance of your holdings over that period based on their current portfolio weights.
- Sector Momentum
- A heatmap showing recent price momentum for sectors in your portfolio. Green cells indicate positive momentum (prices trending up); red cells indicate negative momentum. Helps you see which parts of your portfolio are in favor with the market.
- Compound Growth Projection
- Projects your portfolio's future value using compound interest. You can adjust your current age, target age, and annual return rate. The default 10% rate reflects approximately the S&P 500 long-term nominal average (source: Ibbotson/Morningstar, before inflation). The "growth multiple" shows how many times your money would grow (e.g. 5x means $100K becomes $500K). Milestone badges show when you'd hit 2x, 3x, 5x, and 10x your current value.
- ESG Risk Score
- Environmental, Social, and Governance risk rating from Sustainalytics (via Yahoo Finance). Unlike most ratings, lower scores are better — they indicate less unmanaged ESG risk. The scale: 0-10 Negligible, 10-20 Low, 20-30 Medium, 30-40 High, 40+ Severe.
- ESG Components (E / S / G)
- Environment: carbon emissions, resource use, waste, pollution risk. Social: labor practices, product safety, data privacy, community impact. Governance: board structure, executive pay, business ethics, anti-corruption. Each component is scored separately and contributes to the overall ESG risk score.
- Controversy Level
- A 1-5 scale measuring a company's involvement in ESG-related controversies (e.g. lawsuits, regulatory actions, scandals). Level 1-2 is low concern; Level 4-5 indicates significant or severe controversies that may pose reputational and financial risk.
- Controversial Product Exposure
- Flags holdings involved in categories like alcohol, gambling, tobacco, weapons, nuclear power, or thermal coal. Shows the dollar amount and percentage of your portfolio exposed to each category.
- Peer Valuation
- Compares each of your holdings against its industry peers on valuation metrics (P/E ratio, margins, growth). Helps identify if your stocks are trading at a premium or discount relative to competitors.
Understanding the Dashboard
KPI Boxes: Five key metrics at a glance — market cap, current stock price, trailing P/E ratio, gross margin, and 1-year price change.
Revenue Trend: The last four quarters of revenue in chronological order, with quarter-over-quarter percentage changes. Green indicates growth; red indicates decline.
Analyst Targets: Wall Street consensus price targets (low, mean, high) plus the analyst recommendation and implied upside/downside from the current price.
Outlook: AI-generated commentary summarizing the company's financial health, price outlook, risks, recent news impact, and industry context. Falls back to rule-based analysis if the AI service is unavailable.
Health Indicators: Key financial ratios — debt-to-equity, return on equity, current ratio, quick ratio, and short interest as a percentage of float.
News: Recent headlines related to the company with AI-generated summaries.
Peer Comparison: Industry peers ranked by market cap, showing key metrics for side-by-side comparison. Loads asynchronously as it takes 15-20 seconds to gather data.
Financial Glossary
- P/E Ratio (Price-to-Earnings)
- Stock price divided by earnings per share. A high P/E may indicate high growth expectations; a low P/E may suggest undervaluation or slower growth.
- Market Cap (Market Capitalization)
- Total market value of a company's outstanding shares. Calculated as share price times total shares outstanding.
- Gross Margin
- Revenue minus cost of goods sold, divided by revenue. Shows how efficiently a company produces its goods or services.
- ROE (Return on Equity)
- Net income divided by shareholders' equity. Measures how effectively the company uses equity to generate profit.
- Debt-to-Equity Ratio
- Total debt divided by shareholders' equity. Indicates the proportion of financing from debt vs. equity. Higher ratios mean more leverage.
- Current Ratio
- Current assets divided by current liabilities. Measures ability to pay short-term obligations. Above 1.0 is generally healthy.
- Quick Ratio
- Like the current ratio but excludes inventory. A stricter test of short-term liquidity.
- Short Float (%)
- Percentage of available shares being sold short. High short interest may indicate bearish sentiment or potential for a short squeeze.
- QoQ (Quarter-over-Quarter)
- Percentage change from one fiscal quarter to the next. Used to track short-term growth or decline.
- TTM (Trailing Twelve Months)
- Data from the most recent 12-month period. Provides a current annual snapshot without waiting for fiscal year-end.
- EPS (Earnings Per Share)
- Net income divided by outstanding shares. Shows how much profit is attributable to each share of stock.
- Beta
- Measure of a stock's volatility relative to the overall market. Beta > 1 means more volatile than the market; < 1 means less volatile.
- Dividend Yield
- Annual dividend per share divided by the stock price. Shows the return from dividends alone.
- 52-Week Range
- The lowest and highest prices at which a stock has traded during the past 52 weeks (one year).
About AI Commentary
The Outlook section on each dashboard is generated by Claude (Anthropic's AI assistant). It analyzes the financial data and recent news to provide a concise 5-sentence assessment covering company health, price outlook, risks, recent developments, and industry context.
If the AI service is unavailable, a rule-based fallback generates the commentary using the same financial data.
This is not investment advice. AI-generated commentary is for informational purposes only. Always consult a qualified financial advisor before making investment decisions.
Data Sources
Yahoo Finance — All financial data, stock prices, analyst estimates, and news headlines are sourced from Yahoo Finance via the yfinance library.
Data may be delayed up to 15 minutes. Real-time quotes are not guaranteed. Prices shown are indicative and may differ from live exchange prices.
Claude AI (Anthropic) — AI commentary and news summaries are generated using Claude Haiku.