Judge the business before you trust the price
I am Charlie Wang, a former auditor. MiniValuator is the tool I built to judge whether a US listed stock justifies its price today. It reads the valuation, the moat, the risks, and the red flags buried in the financials, then gives one plain verdict: attractive, worth watching, or not now. It does not predict prices and it does not tell you what to buy.
How judgments are made here
MiniValuator runs on a few rules that do not change with the market or with who is paying.
Nobody pays to look better here. No company, no fund, no affiliate deal. The judgment is the product, so it stays independent.
Every stock gets a plain verdict, attractive, worth watching, or not now, along with the reasoning that led there. A verdict is a research conclusion, not a trading instruction.
The growth rate, the discount rate, the terminal value, all of it is visible and editable. If you disagree with an input, change it and watch the answer move.
You get a clear intrinsic value, plus a sensitivity map showing how it shifts across different growth and terminal assumptions. It is a considered estimate of what the business is worth today, not a forecast of where the stock price will go.
Why I built this
Years of audit work left me with one habit that shaped this tool: do not trust a number until you can see the assumptions behind it. For six years I have studied and practiced the fundamental analysis taught by Benjamin Graham, Warren Buffett, and Aswath Damodaran, running the same discounted cash flow models by hand for every new stock. I got tired of black box tools that hand you a number and hide the reasoning. Retail investors deserve to see how a valuation is built and where it can break. So I built the tool I always wanted: fast, transparent about its method, and built to show where the thesis can break.
Why Second Read exists
Most tools answer one question: what does this stock look like today. The harder part of investing is what happens after you buy, when you are holding, waiting, and unsure whether the story still holds. Second Read is built for that. Save a stock, and when its investment case changes, MiniValuator writes to you in plain language: what changed, and why. It is the difference between a one time valuation and a judgment that keeps getting checked.
See a sample Second ReadHow a verdict is formed
MiniValuator uses two methods professional analysts rely on. Discounted cash flow estimates what the business is worth by projecting its free cash flow and discounting it back to today, kept deliberately simple with a single discount rate you can edit. The price to earnings method gives a faster read against peers and the company’s own history. Neither is treated as truth. The sensitivity heatmap shows a range of values across different growth and terminal assumptions, because the goal is not a precise number. It is to see whether there is a real margin of safety at today’s price, and where the thesis would break.
Who this is for
MiniValuator is for individual investors who want to go past price charts and analyst ratings and understand what a business is actually worth. It is particularly useful for:
Value investors doing fundamental work on US listed stocks
Finance students learning DCF valuation for the first time
Anyone holding a stock who wants to know when the reasoning behind it changes
It is probably not for you if you want day trading signals, price targets, or someone to tell you what to buy. That is not what this does.
Read my research
The fastest way to judge whether my judgment is worth anything is to read it. I write about valuation, earnings quality, and market observations, and you can follow the thinking behind MiniValuator before you ever sign up.
Contact the founder
MiniValuator is built and run by one person, me. If something looks wrong, unclear, or missing, write to me directly and it reaches me, not a queue. support@minivaluator.com.
Ready to judge a stock instead of guessing at it? Your first three evaluations are free, and no subscription is required.