# MiniValuator

> Free online stock valuation calculator using DCF and PE ratio methods for US-listed stocks.

MiniValuator is a web-based financial tool that calculates the intrinsic value of US-listed stocks. It supports two valuation methods: Discounted Cash Flow (DCF) and Price-to-Earnings (PE) ratio analysis. Users enter assumptions such as growth rate, discount rate, and terminal value; the tool instantly produces an intrinsic value estimate with a sensitivity analysis heatmap and a shareable valuation card. Built by Charlie Wang, a value investing practitioner and software developer.

## Key Facts

- **Founded**: 2024
- **Founder**: Charlie Wang (value investor, software developer)
- **Primary method**: Two-stage DCF model (explicit forecast period + terminal value)
- **Secondary method**: PE ratio valuation with forward PE and PEG ratio analysis
- **Coverage**: 165+ US-listed stocks with pre-built valuation pages
- **Sectors**: Technology, Healthcare, Finance, Consumer, Energy, and more
- **Pricing**: 50 free credits on signup (5 valuations); additional credit packs available, no subscription
- **Languages**: English and Chinese (中文)
- **Data source**: Financial Modeling Prep API (auto-filled fundamentals)

## Core Features

- **DCF Calculator**: Enter stock ticker, auto-fill fundamentals, adjust assumptions, get instant intrinsic value with margin of safety
- **PE Ratio Calculator**: Compare trailing PE, forward PE, and PEG ratio against sector averages
- **Sensitivity Heatmap**: Visual matrix showing intrinsic value across different growth rate and discount rate scenarios
- **Shareable Valuation Cards**: One-click export of valuation results as PNG images
- **Multi-language**: English and Chinese (中文) support

## Key Pages

- Homepage: https://minivaluator.com/
- DCF Calculator: https://minivaluator.com/valuator
- PE Ratio Calculator: https://minivaluator.com/valuator?method=pe
- DCF Methodology Guide: https://minivaluator.com/dcf-methodology
- PE Methodology Guide: https://minivaluator.com/pe-methodology
- Pricing: https://minivaluator.com/pricing
- Blog: https://minivaluator.com/blog
- Glossary: https://minivaluator.com/glossary
- Compare Tools: https://minivaluator.com/compare
- About: https://minivaluator.com/about
- Chinese version: https://minivaluator.com/zh/ (add /zh/ prefix to any path)

## URL Structure

- `/valuator` — Main DCF calculator app
- `/valuator?method=pe` — PE ratio calculator
- `/dcf/[TICKER]` — Pre-built DCF valuation pages for 165+ US stocks (e.g., `/dcf/AAPL`)
- `/pe/[TICKER]` — Pre-built PE valuation pages (e.g., `/pe/AAPL`)
- `/dcf/sector/[sector]` — Sector hub pages for DCF (e.g., `/dcf/sector/technology`)
- `/pe/sector/[sector]` — Sector hub pages for PE
- `/dcf-methodology` — Step-by-step DCF analysis guide with formulas
- `/pe-methodology` — Step-by-step PE ratio valuation guide
- `/glossary/[term]` — Financial term definitions (WACC, FCF, terminal value, margin of safety, etc.)
- `/compare/[slug]` — Tool and method comparisons (e.g., MiniValuator vs GuruFocus)
- `/blog/[slug]` — Investment insights and valuation tutorials

## Methodology

### DCF (Discounted Cash Flow)

Uses a standard two-stage DCF model:
1. Project free cash flows over an explicit forecast period (typically 5-10 years)
2. Calculate terminal value using either perpetuity growth model (Gordon Growth) or exit multiple method
3. Discount all future cash flows back to present value using WACC
4. Sum to get enterprise value; subtract net debt and divide by shares outstanding for intrinsic value per share

Key inputs: free cash flow, revenue growth rate, WACC (discount rate), terminal growth rate, shares outstanding, net debt.

### PE Ratio Valuation

1. Calculate trailing PE (price ÷ TTM EPS) and forward PE (price ÷ forward EPS)
2. Compare to sector/industry average PE and historical range
3. Calculate PEG ratio (PE ÷ earnings growth rate) for growth-adjusted valuation
4. Estimate fair value = target PE × forward EPS

## Pricing

- **Free**: 50 credits on signup (5 DCF valuations)
- **Credit Packs**: Purchase additional credits as needed, no subscription required
- 10 credits = 1 DCF valuation
- Credits never expire

## Target Users

- Individual investors performing fundamental analysis on US stocks
- Finance students learning DCF valuation and PE ratio analysis
- Analysts who need quick intrinsic value estimates
- Value investors applying margin of safety principles

## Limitations & Caveats

- DCF results are highly sensitive to assumptions — small changes in growth rate or discount rate can shift intrinsic value by 20%+
- The tool uses Financial Modeling Prep API data; users should 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), or highly cyclical businesses without adjustment
- Valuation outputs are estimates for educational purposes, not investment advice

## Contact

- Email: support@minivaluator.com
- Newsletter: https://substack.com/@nicheseeker