MiniValuator is a valuation analysis tool for US stock investors, built by a former auditor. Its core goal is to help users obtain a clear intrinsic value judgment on any US stock and explain the reasoning behind that judgment.
In terms of purpose, MiniValuator is dedicated to answering one question: whether a company's business supports its current stock price. It does not predict stock price movements or chase market news; instead, it conducts conservative valuation and risk checks based on the company's public financial filings.
Main capabilities include:
- Intrinsic value assessment: based on conservative mathematical calculations, it gives the company's value and compares it with the current price paid.
- A conclusion after four checks: it checks whether the business has a durable competitive advantage (that is, an advantage competitors find hard to take away), whether profits are supported by cash flow (for example, a cash flow to profit coverage ratio of 1.18 to 1), whether there are signs of financial window dressing or red flags, and whether the valuation is reasonable. It ultimately gives a conclusion of "Attractive," "Worth watching," or "Not now," and points out the single most critical reason.
- Red flag checks: these include profits not supported by cash flow, earnings that appear to have been window-dressed, interest expense being difficult to cover, reliance on borrowing to refinance on time, receivables or inventory growing faster than sales, and shareholders' equity being quietly diluted year after year. Some industries will have different check items, and inapplicable ones will be marked.
- Saving and tracking: users can save stocks to "Second Read." As new financial data is released, the system will reassess using the same check process and inform users in plain English whether the judgment has changed and why. Users will receive a brief weekly note about saved stocks and a deeper letter when there are new filings or earnings reports.
- Transparent reasoning: every judgment shows the complete steps and reasoning process, so users can check each step themselves and agree or disagree, unlike black-box ratings that only give a number.
In terms of how to use it, users only need to enter a US stock ticker to get a fresh judgment or open a stock that has already been analyzed. First use is free, with no login required; after logging in, users get two free analyses. The "Second Read" service after saving a stock is $15 per month, including one month free.
Use cases include individual investors who want to quickly understand whether a US stock is worth investing in, who want to see detailed reasoning for valuation and risk checks, and who want to continuously track stocks they follow and learn about changes in judgment.
In terms of limitations, MiniValuator is based on companies' public financial filings, and its judgments come from fixed rules and can be checked.It does not predict stock prices, does not chase news, and does not tell users what to buy—the final decision is always made by the user. Judgments are snapshots, not promises. Other platform support, specific coverage, or more pricing details are not yet provided.
