MiniValuator

MiniValuator is a stocks tool. A filing-driven stock evaluator from a former auditor. Each US-listed ticker gets a transparent verdict on business quality, accounting cleanliness and price versus intrinsic value, with every check shown. Saved stocks are re-read over time on a paid subscription.

MiniValuator is a stock research tool that turns a company's published filings into a short, opinionated verdict. You enter a ticker and get three readings on the business: how strong its competitive edge looks, how clean the reported numbers are, and how today's price compares with an estimate of intrinsic value built on deliberately conservative assumptions. Those checks roll up into one of three calls (Attractive, Worth watching, or Not now) together with the single reason that decides it. A worked example on the site shows Mastercard flagged as undervalued by roughly 23 percent against a stated intrinsic value, with the margin of safety spelled out. The method is the product's differentiator. It was built by a former auditor, and every verdict opens up to show the underlying steps rather than presenting a bare score. The quality side leans on cash conversion (operating cash flow against net income), interest coverage, the Beneish M-Score for earnings manipulation, the Piotroski nine point strength scan, and receivables and inventory trends against sales. Some sectors get different checks, and the tool says so when a given test does not apply. Coverage is limited to US-listed companies, and the site is explicit that it does not forecast prices or react to news. In practice it suits self-directed investors who want a second opinion before committing money, and who would rather read a stated argument than trust an opaque rating. The workflow is simple: pull a free verdict, save the stocks worth following, and a membership called Second Read re-runs the same checks when new filings or earnings arrive, emailing a weekly note plus a longer letter whenever the call changes. A quiet week still produces a short message saying nothing moved. That ongoing monitoring is where it separates from free screeners and from analyst-rating aggregators. It is narrower than a full brokerage research desk and more transparent than a single composite score, sitting in the middle ground between doing the modelling yourself and trusting a black box.