Every score, every flag and every conclusion comes from clear rules and data you can check.
This is the whole analytical framework, step by step.
MyFinverse is not an oracle. It reads public data by fixed rules and shows you what it found, together with how much that finding can carry.
The same data always produces the same result. No model that changes its mind between visits.
Every score shows what it was built from and how much each component weighs.
A number on its own means nothing. It always belongs to a company type, its history and its sector.
When data is incomplete or stale we say so, instead of filling in the gap.
First we understand the company.
What it actually sells, who pays for it and where the money comes from. Without that, every later number is just a number.
11 areas we work through when reading a company, in four movements.
Then we ask how good it is.
Whether it earns, whether that lasts, and whether what it pays out is really covered.
How likely a company is to keep paying its dividend, and to keep raising it. It judges durability, not the size of the next payment.
At its best Payout well below both earnings and cash flow
At its best 15 years or more without a cut
At its best Long-run growth around 8–15 % a year
At its best Yield in the 2.5–5.5 % sweet spot
At its best Monthly payments
Because it says how much room a company has left when a bad year arrives. A company paying out most of its earnings has nothing to trim elsewhere, so the dividend goes. REITs get a wider band, because accounting profit understates their ability to pay.
An unbroken payment across several different years is evidence of how management behaves, not a promise. A company that did not cut through the bad years has shown where the dividend sits in its priorities.
Yield also rises when the price falls. An extreme figure often means the market expects a cut, which is why our score penalises it rather than rewarding it.
Fast growth without a history is suspicious, not good — cyclical companies raise the payout right before cutting it. So growth is gated by the length of the record, and sharp spikes are discounted.
It does not say whether the stock is cheap, or whether you should buy it. It knows nothing of management's plans, a coming acquisition, or anything that happens after today. It reads the past and the current ability to pay — no more.
A backtest against dividend cuts in the cached universe over roughly the last five years. It says the score separated the two groups in the past. The dataset, its date and its sample size are not published, so read it as an indication — never as the probability for one particular company.
A deterministic read of a company from its fundamentals. Four pillar scores combine into one neutral label, with the reasons behind it. Facts and context, never a buy or sell recommendation.
Business quality from returns on capital, margins and the ability to generate cash.
Balance-sheet resilience: leverage, interest cover, liquidity and positive free cash flow.
This pillar has no single weight table. Its thresholds change with the asset type, and for banks and mortgage REITs it abstains rather than applying ratios that would mislead.
Cheapness on multiples — a margin of safety, not a buy signal.
Dividend attractiveness and safety: yield, payout ratio, trend and history.
Confidence is high when at least 80 % of a pillar's inputs are present. Below 50 % no score is shown at all — the pillar is left unassessed rather than guessed.
A good company is not automatically a good buy.
So we keep the quality of the business apart from the price you pay for it today.
MyFinverse does not calculate a fair value and will never tell you what a share is worth. It places today's price in four kinds of context and leaves the conclusion to you.
A good investment does not automatically belong in your portfolio.
That depends on what you already hold — and how much of it rests on the same one thing.
Where your capital and your income are concentrated. All percentages are of the current portfolio (or of annual dividends for income).
Crossing one of these makes MyFinverse mention the position. It is an observation, not an instruction to sell.
Default caps for the higher-risk families. These are planning targets, a different job from the warnings on the left.
Some companies cannot be read with the ordinary frame.
REITs, mortgage REITs, BDCs and banks have a different economy, so we change what we measure.
Some companies cannot be read with the standard corporate frame. Where that is true, MyFinverse changes what it measures — or declines to measure it.
A risk score for REITs, mortgage REITs and BDCs, built from seven weighted factors. Weights differ by category; a factor with no data is excluded and the rest are renormalised.
Lower is safer here — the opposite of every other score on this page.
| Factor | Equity REIT | Mortgage REIT | BDC |
|---|---|---|---|
| Dividend coverage (FFO/AFFO) | 25 | 25 | 25 |
| Leverage (D/E, interest cover) | 15 | 13 | 10 |
| NAV / book-value trend | 13 | 24 | 18 |
| Sector sentiment (your rating) | 8 | 8 | 8 |
| Occupancy / non-accrual | 14 | 5 | 19 |
| Valuation extreme (P/NAV, P/FFO) | 10 | 10 | 10 |
| Debt maturity wall (≤ 24 months) | 15 | 15 | 10 |
| Total | 100 | 100 | 100 |
No conclusion is better than the data under it.
So every result carries how complete and how fresh the data behind it is.
How fresh and complete the data behind a number is — so you know how much to lean on it.
Missing data ≠ a weak investment
Low confidence says our picture is thin, not that the business is bad. It is a reason to look further, never a verdict on the company.
Data older than 24 h counts as stale, and stale data can never be rated high confidence. A dividend history shorter than 5 years counts as incomplete.
This page explains how the system works. Training walks you through a real company, one area at a time, and the analysis you end up with is yours.
The terms this product actually uses, in the sense it uses them.