MiniValuatorMiniValuator
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Introduction

What is MiniValuator?

MiniValuator is a free online DCF (Discounted Cash Flow) stock valuation tool built for investors who want a clear, data-driven estimate of a stock's intrinsic value. Whether you are evaluating a potential investment or simply stress-testing your assumptions, MiniValuator gives you a structured framework to assess what a stock is actually worth — not just what the market is pricing it at today.

DCF analysis is one of the most widely used methods in fundamental investing, practiced by professional analysts and value investors alike. MiniValuator brings that same methodology to a simple, accessible interface — no spreadsheets required.

Core Features

Instant DCF Valuation

Enter a stock ticker and MiniValuator automatically pulls key financial data to populate your DCF model. You get an intrinsic value estimate in seconds, with full transparency into every input driving the result.

Sensitivity Heatmap

Valuation is never a single number — it is a range of outcomes based on your assumptions. The sensitivity heatmap shows you how your intrinsic value estimate changes across different combinations of growth rate and terminal value assumption, holding the discount rate fixed, so you can understand the full picture before making a decision.

Margin of Safety Calculation

MiniValuator compares your calculated intrinsic value against the current market price and displays a margin of safety percentage. A positive margin of safety means the stock may be trading below its estimated value — a core concept in value investing first articulated by Benjamin Graham.

Support for US Stocks

MiniValuator currently supports publicly traded US stocks. Simply enter a valid ticker symbol and the tool handles the rest.

Who is MiniValuator For?

MiniValuator is designed for three core audiences:

  • Individual investors who want to go beyond price charts and evaluate stocks based on fundamentals before committing capital.
  • Finance students learning how to build and interpret DCF models as part of their coursework or self-study.
  • Value investing enthusiasts who follow the principles of Graham, Buffett, and other fundamental investors and want a fast, reliable way to run valuations on watchlist stocks.

You do not need to be a CFA or financial analyst to use MiniValuator. The interface is built to be approachable for beginners while remaining rigorous enough for experienced investors who want to customize their assumptions.

How It Works

MiniValuator runs a deliberately simplified, per-share DCF model so that results stay consistent and comparable across every stock. Here is the basic methodology:

  1. Project free cash flow per share over a fixed five-year horizon using a growth rate you specify or adjust.
  2. Calculate a terminal value at the end of the forecast. By default the model uses an exit multiple equal to the stock's current price-to-free-cash-flow (capped at 30x), or you can switch to a perpetuity growth rate.
  3. Discount all future per-share cash flows back to the present using a single discount rate — a flat 10% by default, fully editable. This is roughly a risk-free rate plus an equity risk premium, applied the same way to every company for comparability rather than a per-stock WACC.
  4. Sum the discounted cash flows and terminal value to arrive at an intrinsic value per share. Because the model works on a per-share basis throughout, there is no separate enterprise value, net debt, or shares-outstanding step.
  5. Compare that intrinsic value to the current market price to determine the margin of safety.

Every step in this process is transparent inside MiniValuator. You can see the inputs, adjust them, and immediately observe how your changes affect the output.

Quick Start

Getting your first valuation takes less than a minute:

  1. Navigate to /valuator.
  2. Enter a stock ticker (for example, AAPL for Apple Inc.).
  3. Review the auto-populated financial inputs.
  4. Adjust any assumptions you want to customize.
  5. View your intrinsic value estimate, margin of safety, and sensitivity heatmap.

That is it. Free to start, with no subscription.

Explore the Documentation