# MiniValuator — Full Content Reference

> Free online stock valuation calculator (DCF & PE) for US-listed stocks.

MiniValuator is a web-based stock valuation tool that calculates intrinsic value using the Discounted Cash Flow (DCF) method and PE ratio analysis. Users enter assumptions, and the tool instantly produces an intrinsic value estimate with a sensitivity analysis heatmap and a shareable valuation card.

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## Site Overview

- **URL**: https://minivaluator.com
- **Languages**: English (`/`), Chinese (`/zh/`)
- **Deployment**: Cloudflare Workers (global edge)

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## Core Tools

### DCF Stock Valuation Calculator
- **URL**: https://minivaluator.com/valuator
- **Description**: Enter any US stock ticker. The tool auto-fills fundamentals (FCF per share, current price) from Financial Modeling Prep API. Adjust growth rate, discount rate, terminal value method (perpetuity growth or exit multiple), and forecast period. Get instant intrinsic value, margin of safety, and expected annual return.
- **Inputs**: FCF per share, growth rate, terminal value method, exit multiple or perpetuity growth rate, required return (discount rate), current price, share count change rate (buyback/dilution)
- **Outputs**: Intrinsic value per share, margin of safety (%), implied annual return, projected FCF table, sensitivity heatmap, shareable PNG card

### PE Ratio Stock Valuation Calculator
- **URL**: https://minivaluator.com/valuator?method=pe
- **Description**: Relative valuation using price-to-earnings ratio. Enter EPS, expected growth, target PE multiple, and discount rate. Calculates fair value based on earnings-based approach.

### DCF Valuation Reports (165+ US Stocks)
- **URL**: https://minivaluator.com/dcf
- **Description**: Pre-built DCF valuation pages for major US-listed stocks. Each page shows key metrics, intrinsic value estimate, margin of safety, and sensitivity heatmap.
- **Example pages**: `/dcf/AAPL`, `/dcf/MSFT`, `/dcf/GOOGL`, `/dcf/AMZN`, `/dcf/TSLA`, `/dcf/NVDA`, `/dcf/META`, `/dcf/NFLX`

### PE Ratio Valuation Reports
- **URL**: https://minivaluator.com/pe
- **Description**: Pre-built PE valuation pages for major US stocks.
- **Example pages**: `/pe/AAPL`, `/pe/MSFT`, `/pe/GOOGL`

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## Stock Coverage by Sector

### Technology
AAPL, MSFT, NVDA, AVGO, ORCL, CSCO, ACN, TXN, INTC, AMD, CRM, ADBE, QCOM, NOW, AMAT, MU, LRCX, KLAC, MRVL, ASML, TSM, ARM, SMCI, PANW, SNPS, CDNS, FTNT, DDOG, NET, SNOW, PLTR, PATH, TEAM, HUBS, WDAY, VEEV, MDB, ZS, CRWD, OKTA, SPLK, HPQ, DELL, STX, WDC, NTAP, GLW

### Healthcare
UNH, JNJ, LLY, ABBV, MRK, TMO, ABT, DHR, AMGN, PFE, BMY, GILD, ISRG, MDT, CVS, VRTX, REGN, BIIB, MRNA, BNTX, ILMN, SYK, BSX, EW, BDX, ZTS, IQV, IDXX, HUM, CI, ELV, MOH, CNC

### Financial Services
JPM, V, MA, BRK-B, BAC, GS, BLK, MS, SCHW, AXP, C, CB, MMC, PGR, ICE, USB, TFC, PNC, COF, WFC, SPGI, MCO, CME, NDAQ, FIS, FISV, PYPL, SQ, COIN

### Consumer Cyclical
AMZN, HD, LOW, TJX, ROST, MCD, SBUX, CMG, YUM, TSLA, F, GM, BKNG, EXPE, ABNB, MAR, HLT, NKE, LULU, DHI, LEN, UBER, LYFT, DASH

### Communication Services
GOOGL, META, SNAP, PINS, RDDT, NFLX, DIS, CMCSA, PARA, WBD, SPOT, ROKU

### Industrials
GE, CAT, HON, RTX, LMT, NOC, DE, MMM, UPS, FDX, NSC, UNP, EMR, ETN, ITW, PH, ROK, DOV

### Consumer Defensive
PG, KO, PEP, COST, WMT, PM, MO, CL, KMB, GIS, K, HRL, SJM

### Energy
XOM, CVX, COP, EOG, SLB, MPC, PSX, VLO, OXY, HES, PXD, DVN

### Utilities
NEE, DUK, SO, D, AEP, EXC, SRE, PCG, XEL, WEC

### Real Estate
AMT, PLD, CCI, EQIX, PSA, O, SPG, WELL, DLR, EQR

### Basic Materials
LIN, APD, SHW, NEM, FCX, NUE, VMC, MLM, IFF, MOS

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## Sector Hub Pages

- `/dcf/sector/technology` — Technology sector DCF valuations
- `/dcf/sector/healthcare` — Healthcare sector DCF valuations
- `/dcf/sector/financial-services` — Financial Services DCF valuations
- `/dcf/sector/consumer-cyclical` — Consumer Cyclical DCF valuations
- `/dcf/sector/communication-services` — Communication Services DCF valuations
- `/dcf/sector/industrials` — Industrials DCF valuations
- `/dcf/sector/consumer-defensive` — Consumer Defensive DCF valuations
- `/dcf/sector/energy` — Energy DCF valuations
- `/dcf/sector/utilities` — Utilities DCF valuations
- `/dcf/sector/real-estate` — Real Estate DCF valuations
- `/dcf/sector/basic-materials` — Basic Materials DCF valuations

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## Educational Content

### DCF Methodology Guide
- **URL**: https://minivaluator.com/dcf-methodology
- **Description**: Step-by-step explanation of Discounted Cash Flow analysis. Covers: free cash flow projection, terminal value calculation (perpetuity growth vs exit multiple), WACC as discount rate, enterprise-to-equity bridge, and key assumptions.

### PE Methodology Guide
- **URL**: https://minivaluator.com/pe-methodology
- **Description**: How PE ratio valuation works. Covers: earnings-based valuation, PEG ratio, forward vs trailing PE, sector benchmarks.

### Financial Glossary
- **URL**: https://minivaluator.com/glossary
- **Key terms defined**:
  - **Intrinsic Value** (`/glossary/intrinsic-value`): What a stock is actually worth based on future cash generation, independent of market price.
  - **Free Cash Flow** (`/glossary/free-cash-flow`): Operating cash flow minus capital expenditures. The basis for DCF valuation.
  - **WACC** (`/glossary/wacc`): Weighted Average Cost of Capital — the blended cost of a company's debt and equity, used as the DCF discount rate.
  - **Margin of Safety** (`/glossary/margin-of-safety`): The percentage gap between intrinsic value and market price. Most value investors seek 20–30%+ margin of safety.
  - **Terminal Value** (`/glossary/terminal-value`): The value of all cash flows beyond the explicit forecast period. Typically accounts for 60–80% of total DCF value.
  - **PE Ratio** (`/glossary/pe-ratio`): Price-to-Earnings ratio — market price divided by earnings per share.
  - **Discount Rate** (`/glossary/discount-rate`): The rate used to convert future cash flows into present value. In DCF, this is typically WACC or required return.
  - **Sensitivity Analysis** (`/glossary/sensitivity-analysis`): How intrinsic value changes across different assumption combinations (e.g., growth rate × discount rate matrix).

### Blog
- **URL**: https://minivaluator.com/blog
- **Content**: Investment insights, DCF tutorials, stock valuation case studies, and fundamental analysis guides.

### Comparison Pages
- **URL**: https://minivaluator.com/compare
- **Examples**: MiniValuator vs GuruFocus, DCF vs comparable analysis, DCF vs DDM

### Documentation
- **URL**: https://minivaluator.com/docs
- **Content**: User guide, API reference, how-to tutorials

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## Pricing

- **Free tier**: 50 credits on signup (5 DCF valuations)
- **Credit model**: 10 credits = 1 valuation. Credits never expire. No subscription required.
- **Credit packs**:
  - Pack S: 100 credits (10 valuations) — ~$0.50/valuation
  - Larger packs available at lower per-valuation cost
- **URL**: https://minivaluator.com/pricing

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## DCF Methodology (Technical Detail)

MiniValuator uses a standard two-stage DCF model:

1. **Stage 1 — Explicit forecast period** (default 5 years, configurable up to 10):
   - Project FCF per share for each year using user-supplied growth rate
   - Advanced mode: set per-year growth rates individually
   - Adjust for share count change (buybacks = negative %, dilution = positive %)

2. **Stage 2 — Terminal value** (user chooses method):
   - *Perpetuity growth*: Terminal value = FCF_n × (1 + g) / (r − g), where g = long-term growth rate, r = discount rate
   - *Exit multiple*: Terminal value = FCF_n × exit multiple

3. **Discount all cash flows** at the user's required return rate back to Year 0

4. **Sum present values** to get intrinsic value per share

5. **Margin of safety** = (Intrinsic Value − Current Price) / Intrinsic Value × 100%

6. **Sensitivity heatmap**: Matrix of intrinsic values across ±2% growth rate and ±2% discount rate ranges

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## PE Valuation Methodology

1. Project EPS forward using user-supplied growth rate
2. Apply target PE multiple at end of forecast period
3. Discount back to present at required return rate
4. Output: fair value per share and margin of safety vs current price

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## Limitations & Caveats

- DCF results are highly sensitive to assumptions — small changes in growth rate or discount rate can shift intrinsic value by 20%+
- Financial data sourced from Financial Modeling Prep API; verify key inputs against company filings
- Terminal value often dominates total DCF value (60–80%), so terminal assumptions matter most
- Not suitable for: pre-revenue companies, banks (use DDM instead), highly cyclical businesses without adjustment
- Valuation outputs are estimates for educational purposes, not investment advice

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## Target Users

- Individual investors performing fundamental analysis
- Finance students learning DCF valuation
- Equity analysts needing quick intrinsic value estimates for US stocks
- Value investors seeking margin of safety calculations

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## Technical Stack

- Next.js 15, React, TypeScript
- Deployed on Cloudflare Workers (global edge, low latency)
- Data: Financial Modeling Prep API
- Languages: English and Chinese (中文)

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## Contact & Links

- Website: https://minivaluator.com
- Email: support@minivaluator.com
- Newsletter: https://substack.com/@nicheseeker
- Machine-readable summary: https://minivaluator.com/llms.txt