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Portfolio second opinion
Paste what you own and get the read a paid adviser would charge for the first hour of: how concentrated you actually are, what quality you are holding, whether it is expensive on our numbers, and which of your names no professional investor owns at all.
What the grade is measuring
Five dimensions, weighted to a hundred. Every one of them shows the sentence that produced its score, so you can disagree with the scale rather than having to take it on faith.
- Diversification (25)
- Not the number of positions, but the number of positions it behaves like. A portfolio of twelve names where one is 45% of the money is closer to three holdings than twelve, and the effective count says so.
- Business quality (25)
- Our weighted rating and moat score across the part of your portfolio we rate. Where our coverage is thin the report says what share it covered rather than quietly grading a fraction and calling it the whole.
- Valuation (20)
- Your value-weighted gap to our fair value estimates. It is our model, not a target price, and it disagrees with the market frequently. That is what makes it worth reading.
- Professional overlap (15)
- How much of your money sits in names at least one 13F filer we track also owns. Corroboration, not endorsement: filings are a quarter old and crowded trades unwind together.
- Market sensitivity (15)
- Weighted beta, translated into what a 10% market fall has historically done to a portfolio shaped like yours.
Straight answers
Do you store my portfolio?
Not unless you ask for the report by email. The analysis runs and returns; nothing about your holdings is written down. If you do ask for the email, we store your address and a note of how many positions were in the report, so we can tell you what we sent and you can unsubscribe. We do not keep the holdings themselves.
What format should I paste?
Whatever you already have. One holding per line is ideal: 'AAPL 20%' or 'AAPL 100 shares' or 'AAPL £12,400'. A CSV pasted straight out of a broker export works too, quotes and all. If you give no sizes at all, every position is treated as an equal slice and the report says so.
Some of my holdings came back 'not rated'. Why?
We carry about 7,600 listed companies and hold a full rating for roughly 2,900 of them. The rest are in the universe with live prices but have not been modelled, usually because the fundamentals feed does not have enough of the inputs. It is a gap in our coverage rather than a judgement on the company, and the report tells you what share of your portfolio the grade actually covers.
What does 'funds' mean next to each holding?
How many of the institutional investors we track reported holding that company in their most recent 13F filing. Zero is common and often means nothing: 13F rules only cover US-listed positions held by managers running over $100m, so small caps and non-US listings are systematically under-represented.
Is this financial advice?
No. It is an analysis of publicly available data about what you told us you own. It does not know your age, your tax position, your income, your other assets or what the money is for, all of which matter more than anything on this page. Nothing here is a recommendation to buy or sell.
How current are the numbers?
Prices and fundamentals refresh daily. 13F holdings are quarterly and land up to 45 days after the quarter ends, so the professional overlap describes the last filed quarter, not today. Congressional trades are disclosed up to 45 days after execution. Every date is stated in the report.
Educational information, not financial advice. Figures current as of July 2026 where dated; allowances and rates change, so check the source before acting.