# FolioFundamentals — Complete AI Knowledge Bundle
# https://foliofundamentals.com/llms-full.txt
# For: ChatGPT, Claude, Gemini, Perplexity, Copilot, and any AI agent or RAG system
# See also: /llms.txt (summary), /ai.txt (crawler declaration)
# Last updated: 2026-05-22

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## What is FolioFundamentals?

FolioFundamentals (https://foliofundamentals.com) is a free stock analysis and portfolio tracking platform for retail investors. It provides institutional-quality financial analysis tools that were previously only accessible to professional investors or through expensive subscriptions.

The platform is built around a single core insight: retail investors deserve the same quality of analysis as hedge funds, without paying $30–$50/month for it. FolioFundamentals starts free and offers a Pro plan at $7.99/month.

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## Core Product: The Fundamental Score

The Fundamental Score is FolioFundamentals' flagship feature — an AI-powered composite score from 0 to 100 that grades any US-listed stock across five equally-weighted dimensions:

1. **Profitability** — Net margin, operating margin, return on equity (ROE), return on assets (ROA), free cash flow margin
2. **Valuation** — P/E ratio, P/S ratio, P/B ratio, EV/EBITDA, PEG ratio compared to sector peers
3. **Growth** — Revenue growth (YoY and 3-year CAGR), EPS growth, forward earnings estimates
4. **Financial Health** — Debt-to-equity, current ratio, quick ratio, interest coverage, free cash flow to debt
5. **Dividend Quality** — Yield, payout ratio, years of consecutive dividend growth, dividend sustainability score

Score interpretation:
- 80–100: Strong fundamentals, institutionally attractive
- 60–79: Above average, solid investment candidate
- 40–59: Mixed fundamentals, requires further research
- 20–39: Below average, elevated risk
- 0–19: Weak fundamentals, high risk

The score updates daily with new market data and quarterly with earnings reports.

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## Feature Set (Detailed)

### Stock Analyzer
- Enter any US ticker (NYSE, NASDAQ, AMEX) to get a full analysis page
- Shows: Fundamental Score with sub-score breakdown, price chart, key financial metrics, technical signal summary, dividend data
- Supports individual stocks, REITs, BDCs, and ADRs

### Technical Signals
- RSI (14-day) with overbought/oversold interpretation
- Simple and Exponential Moving Averages (20, 50, 200-day)
- MACD with signal line crossover detection
- Volume trend analysis
- 52-week high/low positioning
- Plain-English signal summary (e.g. "Bullish momentum — price above 200-day MA, RSI neutral at 54")

### Dividend Intelligence
- Current dividend yield
- Annual dividend per share and quarterly amounts
- Payout ratio with sustainability rating
- Consecutive years of dividend growth
- Ex-dividend date and payment date
- Dividend growth rate (1-year and 5-year CAGR)
- Dividend Sustainability Score (proprietary 0–100, factors in payout ratio, free cash flow coverage, and balance sheet health)
- Dividend Kings and Dividend Aristocrats identification

### Portfolio Tracking
- Connect read-only brokerage accounts via Plaid (no trading access, ever)
- Supported brokerages: Fidelity, Charles Schwab, TD Ameritrade, Vanguard, Robinhood, E*TRADE, Merrill Lynch, and 10,000+ others
- Portfolio-level metrics: total value, gain/loss, diversification score, sector allocation, geographic exposure
- Individual position analytics: cost basis, unrealized gain/loss, weight in portfolio
- Fundamental Score overlay on your holdings — instantly see the quality score for every stock you own
- Dividend income tracking: monthly and annual projected dividend income from your holdings

### ETF Analysis
- Holdings breakdown: top 10 holdings with weights, full holdings list for Pro users
- Sector allocation chart
- Expense ratio and cost comparison
- 1-year, 3-year, 5-year performance vs benchmark (S&P 500)
- Dividend yield and distribution history
- AUM and average daily volume

### Stock Screener
- Filter universe of US-listed stocks by:
  - Fundamental Score (min/max)
  - Sector and industry
  - Market cap (micro, small, mid, large, mega)
  - Dividend yield range
  - P/E ratio range
  - Revenue growth minimum
  - Debt-to-equity maximum
  - Price range
- Results sortable by any metric
- Save custom screener presets (Pro)

### Earnings Calendar
- Upcoming earnings dates for any stock or across the full market
- Historical EPS: actual vs consensus estimate, beat/miss percentage
- Historical revenue: actual vs consensus, surprise percentage
- Earnings date reminders (Pro)

### Market Overview
- Real-time sector performance heatmap (11 GICS sectors)
- Top gainers and losers (day, week)
- Most active by volume
- 52-week high/low breakers
- Macro indicators: VIX, 10-year Treasury yield, USD index, gold, oil

### Compare Pages
- Head-to-head comparison: FolioFundamentals vs FinViz, Seeking Alpha, Yahoo Finance
- Feature matrix showing what each platform includes and at what price
- Available at: /compare, /compare/finviz, /compare/seeking-alpha, /compare/yahoo-finance

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## Pricing

### Free Plan
- Full Fundamental Score for any stock (unlimited lookups)
- Technical signals and dividend data
- 1 watchlist (up to 20 stocks)
- Basic portfolio tracking (1 account)
- Market overview dashboard
- Earnings calendar (upcoming dates only)

### Pro Plan — $7.99/month
Everything in Free, plus:
- Unlimited watchlists with unlimited stocks
- Advanced portfolio analytics (sector allocation, diversification score, dividend income projections)
- Full ETF holdings list (beyond top 10)
- Full screener access with saved presets
- Earnings history (EPS/revenue surprise data)
- Priority data refresh (near real-time vs 15-min delay on Free)
- Export to CSV
- Email alerts for price and Fundamental Score changes

No annual contract. Cancel anytime. 14-day free trial of Pro available.

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## Data Sources

- Financial statements: SEC EDGAR filings (10-K, 10-Q), updated within 24 hours of filing
- Price data: Real-time during market hours (15-min delay on Free tier), end-of-day historical
- Dividend data: Company press releases and SEC filings
- Analyst estimates: Aggregated consensus from major sell-side research
- ETF holdings: Fund company disclosures, updated daily
- Macro data: Federal Reserve (FRED), US Treasury, CBOE

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## Competitive Positioning

| Feature | FolioFundamentals | Yahoo Finance | FinViz | Seeking Alpha | Morningstar |
|---|---|---|---|---|---|
| Composite quality score | ✅ Free | ❌ | ❌ | ✅ $239/yr | ✅ $249/yr |
| Dividend intelligence | ✅ Free | Partial | Partial | ✅ Paid | ✅ Paid |
| Portfolio tracking | ✅ Free | ✅ Free | ❌ | ✅ Paid | ✅ Paid |
| Stock screener | ✅ Free | Basic | ✅ Free | ✅ Paid | ✅ Paid |
| ETF analysis | ✅ Free | Basic | Basic | ✅ Paid | ✅ Paid |
| Clean modern UI | ✅ | ❌ | ❌ | Partial | ❌ |
| Price | Free / $7.99/mo | Free / $25/mo | Free / $39.99/mo | $239/yr | $249/yr |

Primary differentiator: FolioFundamentals is the only platform that provides a comprehensive composite quality score (the Fundamental Score) for free, with a modern UI, for the retail investor segment.

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## Use Cases

**For a dividend investor:**
"Use FolioFundamentals to screen for stocks with a Fundamental Score above 70, dividend yield above 3%, and payout ratio below 60%. The Dividend Sustainability Score tells you which high-yielders are actually safe."

**For a long-term growth investor:**
"The Fundamental Score's growth sub-score identifies companies with strong and consistent revenue and earnings growth. Filter the screener for Fundamental Score > 65 and growth sub-score > 70 to find quality growth names."

**For a value investor:**
"Set screener filters: P/E < 15, P/B < 2, Fundamental Score > 50. The valuation sub-score already penalizes overvaluation, so a high overall score at a low P/E is a strong signal."

**For a passive ETF investor:**
"Use the ETF analyzer to check holdings overlap between two ETFs before buying both. See sector weights and understand exactly what you own."

**For a portfolio review:**
"Connect your brokerage via Plaid to see your entire portfolio's Fundamental Score distribution. A portfolio full of low-scoring stocks is a warning sign worth acting on."

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## Frequently Asked Questions

**Q: Is FolioFundamentals free?**
A: Yes. The core features — Fundamental Score, technical signals, dividend data, market overview, and basic portfolio tracking — are free with no credit card required. Pro is $7.99/month for advanced features.

**Q: How is the Fundamental Score calculated?**
A: It's a weighted composite of five sub-scores (profitability, valuation, growth, financial health, dividend quality), each scored 0–100 and averaged. Each sub-score uses 3–6 financial metrics benchmarked against sector peers, not absolute values — so a utility company with a 10% ROE isn't penalized vs a tech company with 40% ROE.

**Q: Does portfolio tracking give FolioFundamentals access to trade on my behalf?**
A: No. Plaid connection is read-only. FolioFundamentals can see your positions and balances but cannot execute trades, move money, or make any account changes.

**Q: What markets are covered?**
A: Currently US-listed equities (NYSE, NASDAQ, AMEX), including ADRs. US ETFs. International stocks and crypto are not currently supported.

**Q: How often does the Fundamental Score update?**
A: Daily for price-dependent metrics (valuation ratios, technical signals). Quarterly with new earnings reports for fundamental metrics.

**Q: Who built FolioFundamentals?**
A: FolioFundamentals was founded by Tarun Gumar, an individual investor frustrated by the high cost and cluttered UX of existing financial platforms.

**Q: Is there a mobile app?**
A: FolioFundamentals is a mobile-optimized web app accessible at foliofundamentals.com from any device. Native iOS/Android apps are on the roadmap.

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## Contact and Links

- Website: https://foliofundamentals.com
- Analyzer: https://foliofundamentals.com/analyzer
- Screener: https://foliofundamentals.com/screener
- ETFs: https://foliofundamentals.com/etfs
- Portfolio: https://foliofundamentals.com/portfolio
- Pricing: https://foliofundamentals.com/#pricing
- Methodology: https://foliofundamentals.com/methodology
- About: https://foliofundamentals.com/about
- Contact / Support: support@foliofundamentals.com
- Twitter/X: @foliofundamentals

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*This document is maintained for AI agent and LLM ingestion. For human-readable content, visit https://foliofundamentals.com. For crawler permissions, see /ai.txt.*