The three Scores

The top of each card shows three composite scores. Range: −100 (most bearish) to +100 (most bullish).

• Fundamental Score — blends only the four core fundamentals: Financial Health, Profitability, Growth, and Valuation. Good for "is this a fundamentally sound business at this price?"
• 🔒 Full Score — blends all ratings, weighted (the fundamentals, Hype, Analyst Upside, every Trend horizon, and Insider Track). Better for "when should I buy or sell?" decisions.
• 🔒 Custom Score — your own blend. Tap the row to pick which ratings to combine. The score value stays hidden until you upgrade.

Free users see the Premium and Custom Scores blurred next to the Fundamental Score — the actual values are hidden until you upgrade.

On ETF / fund cards (silver chassis) the top score is labelled Composition Score instead of Fundamental — same position, same shape, but built from ETF-specific axes (expense ratio, diversification, tracking quality). See the "Funds & ETFs" section below.

What each stat means

• Financial Health — Balance-sheet strength: debt levels, liquidity, how well the company could weather a downturn. Fundamental.
• Profitability — How efficiently the company turns revenue into profit (margins, return on equity). Fundamental.
• Growth — Pace of revenue and earnings expansion. Fundamental.
• Valuation — Whether the price looks reasonable relative to earnings, book value and cash flow. Cheaper = positive score, more expensive = negative. Fundamental.
• Hype — How much attention this stock is getting compared to its usual baseline (Reddit chatter, Stocktwits, news volume, Wikipedia pageview spikes). A rising Hype reading often precedes price moves — but it can also signal that retail enthusiasm is running ahead of the fundamentals.
• Analyst Upside — Average professional price target compared with the current price.
• Trend signals — Read from price history using generally available technical algorithms (moving averages, RSI, MACD, Bollinger bands, and similar). They come in four timeframes: Year (shown on the front) and Day / Week / Month (Premium, used for buy/sell timing).
• 🔒 Insider Track (Premium) — What's happening behind the scenes for this stock: insider transactions (executives and directors buying or selling their own shares), upcoming earnings, recent SEC filings clusters, and corporate events. Insiders often act on information before it's public, so seeing their trades can be a leading signal.

A long bar in either direction means the signal is strong; a short bar means it's near neutral.

Tap ▸ to see the actual numbers

Each rating is a composite — a single bar built from a handful of underlying signals. Rows with a small ▸ chevron on the right can be expanded to show those inputs.

• The raw inputs — actual numbers (e.g. P/E ratio 32.1×, Reddit mentions 240) with a ▲ / ▼ indicator showing whether the stock is better or worse than the sector median on that signal.
• A short methodology line — plain English explaining how the rating is constructed and which direction is good.
• 🔒 5-year trajectory · sector percentile — premium add-on inside each panel: see how each underlying signal has moved over time, plus exactly where the stock ranks against its sector.

The chevrons are intentionally subtle — they sit in the background so the bars stay the headline read. Tap once to expand, tap again to close. Tapping inside an open panel won't flip the card.

Funds & ETFs (silver cards)

An ETF (Exchange-Traded Fund) is a basket of many stocks (or bonds) you can buy as a single instrument. Funds like QQQ, VOO, and VEU are how most beginners get diversified exposure without picking individual stocks.

StockDecks shows ETFs as silver-trimmed cards to make them visually distinct from single-stock gold cards. They live alongside stocks in search and decks — you'll spot them by the small ETF pill next to the ticker.

The card structure is the same (three-score block, chevrons, flip to back), but the stat axes are different because the questions you ask about a fund are different from the ones you ask about a stock:

• The top score is Composition Score (not Fundamental Score) — built from how cheaply the fund is run, how diversified it is, how much it holds, and how well it tracks its index.
• Expense ratio — what it costs you, per year, to hold this fund. Lower is better. The single most important ETF metric — fees compound.
• Yield — Dividend or distribution rate. Income-focused funds (bonds, REITs, dividend ETFs) have high yields; growth funds have low ones.
• AUM (Assets Under Management) — how big the fund is. Bigger = more liquid (easier to trade) and usually more stable. Tiny ETFs can close down.
• Diversification — how many holdings. A broad ETF holds 500+ stocks (safer); a thematic ETF might hold 20 (concentrated).
• 1-year return — Recent performance. Not a predictor of future returns, but useful context.
• Volatility — How wild the ride is, measured as beta vs the broad market. β 1.0 = same as the market; β 0.2 = much calmer (bonds); β 3.0 = much wilder (leveraged ETFs).
• Trend signals (Year) — Same as on stocks — works on the fund's price history.
• 🔒 Tracking quality (Premium) — How closely the fund actually follows its underlying index. Tight tracking = the fund is doing its job; loose tracking = drag from fees, sampling errors, or leveraged daily-reset decay.

Tap any ETF card to flip it for Top holdings (the actual stocks inside, tappable to drill in), Sector and Geography breakdowns, and Performance vs benchmark.

Leveraged 3× — a red pill at the top-right of a card means the fund uses leverage (e.g. 3× or −2× the underlying). These are not buy-and-hold investments — daily resets cause "volatility decay" that eats returns over time, even when the underlying rises. Use with caution and understand the mechanics before buying.

Open the full ETF guide →

What's on the back of each card

Tap the front of any card to flip it. The back shows:

• Top contributors — The three ratings that push the Score the most (positive or negative) for this stock, with their direction (▲/▼) and individual values. Drawn from across all axes — not just the fundamentals.
• Trajectory · 3 months — A small line chart of how the Score has moved over the last ~3 months. Green and rising means the rating has been improving; red and falling means it's weakening.
• More from the data — Dividend yield and the average Analyst Consensus recommendation, shown as their own bars (additional context not surfaced on the front).
• 🔒 Buy-timing detail — Premium users see the Day, Week and Month trend signals here, plus a disagreement callout when short-term reads point a different direction to the Year — often the most actionable timing signal.
• Methodology link — Opens the general methodology for any rating, so you can sanity-check the reasoning behind a Score. The general approach is documented; the exact weights and formula stay private.

Navigating the deck

• Swipe right to move to the next card · swipe left to go back. Upcoming cards peek behind to the left.
• Tap the front card to flip it. The back shows why the score is what it is — top contributors, the 3-month trajectory, and extra data.
• Tap a peeking card to bring it forward.
• 🔒 Locked rows reveal short-term timing detail, Insider Track and Custom Score values — unlock with a Premium subscription.

Compare cards side-by-side

Each card has a small Compare pill in its bottom-right corner (look for the gold-bordered checkbox). Tap it to add that stock to your comparison set — tap again to remove.

• Add 2 or more cards from any deck (or from search) to enable comparison.
• The Open compare pill at the bottom of the page lights up gold once you have 2+ selected — tap it to view your selected stocks side-by-side with every rating lined up in rows for easy A/B/C reading.
• You can mix and match across decks — add Tesla from "My Watchlist" and Microsoft from "AI plays" without leaving the cards.
• You can also mix stocks and ETFs in the same comparison (e.g. NVDA vs QQQ to see how NVIDIA looks against the tech ETF). Stat rows that only apply to one instrument type show — in the other column; the comparison's winner tally only counts rows where both sides have applicable values.
• The set persists as you navigate, so you can browse, add, and review without losing track.