Adaptive Investing Open the app →
Coming soon AI-assisted analysis is on the way for the four qualitative categories — planned, not yet available. Scoring today is fully deterministic. Get notified →
Adaptive Investing · Scoring Engine

Stop guessing which stocks to buy.
Start knowing why.

A 6-category scoring engine built on financial data, not opinion. Every score is transparent, auditable, and runs the same way every time. Two categories are scored deterministically today — AI-assisted analysis for the other four is in development.

Search a ticker — free Try a demo See how it works
No signup required · Deterministic scoring today · AI-assisted analysis in development
Why a scoring engine instead of a screener or analyst report
You can see every number behind the score
The score breaks down by category, weight, and data source. Nothing is hidden.
No analyst opinions, no gut calls
The score is calculated entirely from financial data. Give it the same inputs and you'll get the same score every time.
The market runs on emotion. This doesn't.
When everyone is panic selling or chasing a rally, the score doesn't move unless the fundamentals do. No fear, no hype, no headlines — just the underlying business, evaluated the same way every time.
Six categories. One score.
The rubric covers business quality, unit economics, market size, competitive position, risk, and valuation. Today's score is computed from the deterministic, data-driven categories; AI-assisted analysis for the qualitative ones is planned, not yet available.

Traditional Research vs. Adaptive Investing

The difference between opinions and evidence.

What matters
Traditional researchWall Street Consensus
Adaptive InvestingAdaptive Scoring Engine
What it is
Analyst opinions Different analysts, different conclusions.
Rules-based scoring Same data, same score. No human bias.
How ratings are formed
Human judgment Based on experience, bias, and perspective.
Transparent calculations Each score is calculated from financial data using clear, consistent rules.
What you get
Overall rating Buy / Hold / Sell with little context.
6-category score breakdown See exactly where a company is strong or weak.
Focus
Price targets Based on forecasts that often miss.
Intrinsic quality Scores prioritize fundamentals over short-term noise.
Market influence
Influenced by market Sentiment, headlines, and short-term moves.
Built on fundamentals Scores prioritize business performance over market emotion.
Transparency
Limited disclosure Methods and models are not always shared.
Full transparency Every point is traceable to its source.
Trust
Must trust the analyst You can't verify the inputs.
Verify for yourself Inspect every input, weight, and calculation.
What's next
Opinion stays opinion The qualitative call is always someone's judgment.
AI-assisted analysis In development The four judgment-based categories are planned for AI assistance, with the same auditable breakdown. Not yet available.
Timeliness
Static reports Updated infrequently.
Updates automatically New filings. New data. New scores.
Audit trail
Often minimal Sources and assumptions are hard to follow.
Every point is auditable You can trace every score line by line.
The bottom line: Traditional research asks you to trust the conclusion. Adaptive Investing lets you inspect the reasoning.
The scoring framework · 6 categories, 1 score
1
Customer Value Proposition AI-assisted · Planned
How serious is the problem the company solves? How loyal are its customers, and how many different use cases does the product address?
2
Unit Economics
How profitable is the business at its core? Covers gross margin, how costs scale with revenue, free cash flow, and return on capital.
3
TAM (Total Addressable Market) AI-assisted · Planned
How large is the market the company is competing in, and does the company have a realistic path to capturing a meaningful share of it?
4
Competition / Market Share AI-assisted · Planned
How durable is the company's advantage over competitors? How entrenched is its current position, and how hard would it be for a competitor to take customers away?
5
Risks AI-assisted · Planned
Debt levels, execution risk, structural fragility, and regulatory exposure — applied as a penalty to the score when assessed. This category is slated for AI-assisted analysis; until then it stays unscored rather than guessed.
6
Price / Value
An estimate of what the stock is worth relative to what it currently costs. Evaluated independently from momentum or market sentiment.
Four of the six categories are slated for AI-assisted analysis. Customer value, market size, competition, and qualitative risk are judgment calls — planned for AI assistance, not yet available. Today's score stays fully deterministic, and those categories render unscored instead of guessed. Join the waitlist to be first to hear if and when those features launch.

Scores run from 0–100 across five bands: Sell, Avoid, Neutral, Buy, Strong Buy.

Built for investors who want a process, not a prediction.

Join the waitlist to hear first about what's next — including AI-assisted analysis for the four qualitative categories, planned but not yet available. The free tier stays free: 5 live scores a day, no signup required.

By joining, you agree to receive emails about Adaptive Investing. You can unsubscribe at any time.

For educational and research purposes only. Not financial advice.