How the score works
Chartloom Scores rate US-listed companies from public filings. The overall score blends economic moat, business quality, capital allocation, growth, and AI opportunity. AI disruption risk is shown separately and can lower the overall score. A score describes the filing analysis. It does not estimate a fair value. Ratio definitions live in the financial metrics library.
Economic moat
Network effects, switching costs, brand, intellectual property, cost advantages, and regulatory edge.
Business quality
Margins, free cash flow, return on capital, balance-sheet strength, and revenue durability.
Capital allocation
Reinvestment, shareholder returns, M&A, and balance-sheet stewardship described in the filings.
Growth
Current growth, market runway, and whether growth is accelerating in the latest reports.
AI opportunity
Infrastructure, monetization, and efficiency gains the filings describe.
AI disruption risk
Automation, competitive, and pricing-model risk. Shown separately, and it can lower the overall score.
Frequently asked questions
What is a Chartloom Score?
A Chartloom Score is a filing-based rating for a US-listed company. The overall score blends economic moat, business quality, capital allocation, growth, and AI opportunity. AI disruption risk is tracked on its own and can lower the overall score. The score is analysis for further research. It is not a view on valuation.
How does the Chartloom Score work?
The score reads public filings for structural advantages, financial quality, capital allocation, growth, and AI opportunity versus AI risk. Moat looks at network effects, switching costs, brand, intellectual property, cost advantages, and regulatory edge. Quality looks at margins, free cash flow, return on capital, and balance-sheet strength. Factors a company does not disclose are left out rather than treated as a weakness.
What is an AI stock summary?
An AI stock summary is a plain-language overview of a public company's business, recent results, opportunities, and risks. It condenses public filings such as 10-Ks and 10-Qs so the read is shorter than the source document.
Are these scores and summaries free?
Yes. Searching and reading the scores and summaries in this library is free. Charts, scenarios, and comparisons are available after creating an account.
Is this investment advice?
No. Scores and summaries are for information and education only. They are not financial, investment, or tax advice.
