VERA
AI
Investment Quality Rating powered by Fundamental Intelligence Engine
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📊 Income Statement — 8 Metrics
1. GPM > 40%
MANUAL
(Sales − COGS) / Sales × 100 > 40%
Sales (Revenue)
COGS
2. SGA/GP < 30%
MANUAL
SGA / Gross Profit × 100 < 30%
SGA
Gross Profit
3. R&D Low / None
MANUAL
R&D < 5% of Sales
R&D Expense
Sales
4. Depreciation Low
MANUAL
Depreciation < 5% of Sales
Depreciation
Sales
5. IE/OI < 15%
MANUAL
Interest Expense / Operating Income × 100 < 15%
Interest Expense
Operating Income
6. NI Uptrend
MANUAL
Net Income upward trend over 4+ years — Yes = PASS, No = FAIL
Uptrend?
YES
NO
7. NI > 20% Revenue
MANUAL
Net Income / Sales × 100 > 20%
Net Income
Sales
8. EPS Uptrend
MANUAL
EPS increasing over 4+ years — Yes = PASS, No = FAIL
Uptrend?
YES
NO
📈 Balance Sheet — 7 Metrics
9. Receivables Low
MANUAL
Accounts Receivable / Sales × 100 < 10%
Receivables
Sales
10. No LT Debt
MANUAL
Long-term Debt ≈ 0
Long-term Debt
11. Intangibles High
MANUAL
Intangible Assets substantial — Yes = PASS, No = FAIL
Intangibles High?
YES
NO
12. CR > 1
MANUAL
Current Assets / Current Liabilities > 1
Current Assets
Current Liabilities
13. P/E < 4×
MANUAL
Market Price / EPS < 4
Market Price
EPS
14. D/E < 0.8
MANUAL
Total Liabilities / Shareholders Equity < 0.8
Total Liabilities
Shareholders Equity
15. ROE > 15%
MANUAL
Net Income / Shareholders Equity × 100 > 15%
Net Income
Shareholders Equity
💰 Cash Flow — 1 Metric
16. CapEx < 50%
MANUAL
Capital Expenditures / Operating Cash Flow × 100 < 50%
CapEx
Operating Cash Flow
ANALYSIS RESULT
—
Criteria Passed
0/16
Overall Score
0%
ANALYZING...
Criteria Breakdown