AI value investing with traceable inputs and assumptions

Build a valuation from consistent data

Choose the cash-flow claim before choosing a discount rate. Firm cash flow and equity cash flow require different valuation bridges; mixing debt costs or share counts can distort the result.

• Match reporting periods, currencies, units and accounting definitions before comparing companies.
• Discount free cash flow to the firm with an appropriate weighted average cost of capital; bridge enterprise value to equity before dividing by shares.
• For equity cash flow, use an appropriate required return on equity and account for financing assumptions.
• Keep terminal growth below the discount rate in a perpetual-growth formula and show sensitivity to both.

Ask AI for checks you can reproduce

Request the source and arithmetic for each material input. Review footnotes, financing needs and dilution separately. An agent can miss context or repeat provider errors; it cannot certify that accounting is free of irregularities.

• Reconcile cash flow, capital spending, debt and shares with the original filing.
• Separate one-off items from recurring assumptions without automatically removing unfavorable costs.
• Build downside and higher-cost scenarios, then explain what evidence would invalidate the thesis.
• Compare the same definitions across peers; a low P/E can reflect weaker expected economics rather than a bargain.

What Pineify supplies for the workflow

The Finance Agent can retrieve available statements, ratios and earnings transcripts. Its DCF valuation tool retrieves a provider estimate for a ticker; that output is not a disclosed custom valuation model or an independent appraisal. Request dates and missing assumptions, and build any separate scenario explicitly. Use the Stock Picker for supported company research and Market Screener for technical conditions rather than assuming a built-in ROIC/value filter.