The discipline of an institution.
The calm to hold your nerve.
Value any US stock with source-bound, auditable rigor — then lock the reasoning into a card you own, so your calm self can overrule your panic when prices swing.
Who It's For
Built for serious long-term value investors who want discipline and reviewability, not tips and rumors.
Individual Long-Term Investors
Apply institutional-grade valuation and position discipline to your watchlist — data is auto-sourced, or bring your own broker feed such as IBKR.
Buy-Side / Sell-Side Research
A unified IC memo format, source ledger, scenarios, and sensitivities—fully traceable for review.
Advisors / Family Offices
Auditable valuations and scheduled data refreshes across client portfolios, with an audit trail that prevents drift.
How It Differs from Generic AI and Stock Screeners
No price predictions, no tips—a valuation discipline that resists drift and stays reviewable.
| What You Care About | Generic AI Chat / Screener | Valoreto |
|---|---|---|
| Every figure bound to source and timestamp | Usually absent | ✓ Enforced |
| How missing data is handled | Often fabricated / glossed over | ✓ Flagged, with reliability lowered |
| Conclusions split into Formal / Provisional | No distinction | ✓ Formal / Provisional |
| Reviewable (Locked Card + Decision Journal) | No | ✓ Built in |
| Scheduled refresh / event-triggered revision | No | ✓ Alerts and one-click revision |
| Who owns the report | The platform | ✓ You (savable to your own GitHub) |
Get Started in Four Steps
Enter a ticker; the engine auto-fills price, fundamentals, and analyst consensus from primary sources. You just set your required return.
The engine produces an institutional-grade IC memo report.
Save it as your Locked Card (on the platform or your GitHub).
Refresh on new data; revise to a new version when assumptions change.
Why You Need a Locked Card
A valuation answers "is it worth buying now?"; a Locked Card answers "once you own it, how do you hold, review, and update with discipline as the evidence changes?" A single moment's judgment versus an entire investment journey—it is the latter that ultimately determines your returns.
Lock Assumptions, Prevent Drift
Freeze your required return, terminal assumptions, and kill conditions. When prices swing, let your calm self hold your anxious self in check.
Review to Improve
A built-in decision journal records your thesis, data, and timing. Review honestly after the fact to separate luck from skill.
Low-Effort Maintenance
New data only needs a refresh while long-term assumptions hold; revise only when the evidence genuinely changes, with an audit trail.
It's Your Asset
Stored in your own account or GitHub, compounding year over year into a research card library that belongs to you—the platform cannot take it.
Two Output Tiers, Used as Needed
Snapshot Card (Free)
Understand whether a stock is rich or cheap in 30 seconds: valuation state, action label, return spread, and dynamic entry range—all on one page. Free.
Institutional Locked Card (Subscription)
A full audit with the rigor of an investment committee: traceable sources, locked assumptions, refreshable and reviewable, saved as a Locked Card you own. Subscription unlocks the complete institutional audit chain, key debate table, sensitivity variables, Locked Card draft, and Decision Journal—traceable item by item.
Academy
From the fundamentals to interpreting the engine's output, 55 free articles help you build a complete investment knowledge base— the intellectual foundation behind this platform's valuation discipline.
New to investing? Start here. In the plainest possible terms, we explain what stocks, valuation, and financial statements really are.
How does this site actually decide whether a stock is "cheap or expensive"? This track lays out the institutional methodology principles the engine follows, so you can understand and trust every conclusion. (The specific internal calibrations are proprietary and remain confidential.)
Essentials for investing in US equities: trading rules, earnings season, SEC filings, and practical knowledge such as ADRs for foreign companies.
The market doesn't reward intelligence, only discipline. Master yourself first — the valuation comes second.
From Graham to Damodaran, we make the intrinsic-value frameworks of the investing masters clear and genuinely usable.
Value Your Next Investment with Institutional Discipline
Start free with the Snapshot Card; subscribe to the Institutional Locked Card for the full audit once you're convinced.
Start Free →Educational research tool, not investment advice, and not an offer or solicitation. Outputs are methodological derivations based on sourced data and your inputs, may contain errors, and you bear full responsibility for your own decisions.