Live · 20 tickers audited

Is Your Stock a Value Trap — or a Hidden Bargain?

Free fundamental risk audit — bankruptcy score, fair value estimate, moat rating, and dividend safety for every stock. All data from SEC EDGAR.

20Stocks Audited
4Risk Metrics Each
100%Free · SEC Data
Latest audits

Freshly updated risk checkups

Every filing processed within 24 hours. Click any card to see the full Z-Score components, DCF model, moat factor breakdown, and 10-year history.

Browse all 20 stocks →
AAPL $273.05

Apple Inc.

Z-Score 9.75
Fair Value $156.00
Moat ★★★½☆
Div Safety A
Safe Zone MoS: -75.0%
ACN $195.06

Accenture plc

Z-Score 3.57
Fair Value $294.48
Moat ★★★½☆
Div Safety A
Safe Zone MoS: 33.8%
BA $225.08

The Boeing Company

Z-Score 1.02
Fair Value $82.66
Moat ★★☆☆☆
Div Safety N/A
High Risk MoS: -172.3%
DAL $71.21

Delta Air Lines, Inc.

Z-Score 1.30
Fair Value $130.11
Moat ★★☆☆☆
Div Safety B
High Risk MoS: 45.3%
GOOG $335.40

Alphabet Inc.

Z-Score 21.03
Fair Value $181.03
Moat ★★★☆☆
Div Safety C
Caution MoS: -85.3%
INTC $65.70

Intel Corporation

Z-Score 1.71
Fair Value $79.94
Moat ★★½☆☆
Div Safety N/A
Caution MoS: 17.8%
KHC $22.21

The Kraft Heinz Company

Z-Score 0.92
Fair Value $14.56
Moat ★★½☆☆
Div Safety C
High Risk MoS: -52.5%
MO $64.61

Altria Group, Inc.

Z-Score 4.78
Fair Value $90.11
Moat ★★★★☆
Div Safety C
Safe Zone MoS: 28.3%
MSFT $418.07

Microsoft Corporation

Z-Score 9.19
Fair Value $286.65
Moat ★★★★½
Div Safety A
Safe Zone MoS: -45.9%
MU $448.42

Micron Technology, Inc.

Z-Score 13.53
Fair Value $157.98
Moat ★★☆☆☆
Div Safety B
High Risk MoS: -183.8%
NVDA $202.06

NVIDIA Corporation

Z-Score 93.80
Fair Value $178.80
Moat ★★★☆☆
Div Safety B
Caution MoS: -13.0%
PEP $156.99

PepsiCo, Inc.

Z-Score 3.85
Fair Value $125.75
Moat ★★★★☆
Div Safety B
Safe Zone MoS: -24.8%
UVV $51.66

Universal Corporation

Z-Score 2.98
Fair Value $42.40
Moat ★★☆☆☆
Div Safety B
High Risk MoS: -21.8%
VTRS $14.87

Viatris Inc.

Z-Score 1.11
Fair Value $41.00
Moat ★★½☆☆
Div Safety D
Caution MoS: 63.7%
Analysis Engines

Five ways to audit any stock

Each engine answers a different question. Use them together for a complete picture before making any investment decision.

🛡

Risk Audit

Is the company in financial distress? Altman Z-Score bankruptcy screening and value trap detection from SEC EDGAR filings.

Z-Score · Bankruptcy · Value Traps
💰

Fair Value Lab

What is the stock actually worth? Two-stage DCF model calculates intrinsic value and margin of safety for every ticker.

DCF · Intrinsic Value · Strike Zone
🏰

Moat Ratings

Does the company have a durable competitive advantage? ROIC stability, gross margin trends, and switching cost analysis.

ROIC · Margins · Wide Moat
💎

Dividend Safety

Is the dividend at risk of a cut? Payout ratio, FCF coverage, and growth streak graded A through F.

Payout Ratio · FCF · Safety Grade
⭐

The Strike Zone

The best of the best: stocks that are simultaneously undervalued, financially safe, and protected by a competitive moat.

Triple Filter · Best Buys
Methodology · open source

From SEC filing to verdict — in four steps

No black boxes. Every number on this site has a formula you can audit on the methodology page.

01

Pull SEC filings

Financial statements extracted directly from 10-K and 10-Q filings on SEC EDGAR — same data Wall Street uses, refreshed within 24h of a new filing.

02

Run risk models

Altman Z-Score for bankruptcy probability, two-stage DCF for intrinsic value, payout & FCF coverage for dividend safety — every formula documented.

03

Rate the moat

10-year ROIC stability, gross margin trend, and qualitative switching-cost assessment combined into a 1–5 star moat rating.

04

Deliver the verdict

A red/yellow/green risk dashboard with margin of safety — so you know at a glance whether a stock is in the strike zone.

FAQ

Plain-English answers.

What is an Altman Z-Score and why does it matter?

The Altman Z-Score is a financial formula that predicts the probability of a company going bankrupt within 2 years. A score below 1.8 signals distress, 1.8–3.0 is a gray zone, and above 3.0 indicates financial health. We calculate it from the company's latest SEC filings so you can spot trouble early.

How do you calculate intrinsic value?

We use a Discounted Cash Flow (DCF) model based on 10 years of historical free cash flow data from SEC EDGAR. We project future cash flows using the company's historical growth rate, then discount them back at a weighted average cost of capital (WACC). The result is our estimate of what the stock is actually worth — independent of market sentiment.

Is FairValueLabs free to use?

Yes, completely free. All our data comes from SEC EDGAR public filings and open financial APIs. We believe fundamental analysis should be accessible to every investor, not locked behind expensive terminal subscriptions.

What does "margin of safety" mean?

Margin of safety is the gap between a stock's intrinsic value (what it's worth) and its market price (what it costs). A positive margin means the stock trades below fair value — a potential bargain. A negative margin means it trades above fair value — you're paying a premium. Value investors typically look for at least a 25% margin of safety.

How often is the data updated?

Financial statements are updated after each quarterly SEC filing (10-Q) and annual filing (10-K). Stock prices are refreshed daily. Our automated pipeline checks SEC EDGAR for new filings and recalculates all metrics when fresh data is available.