TopPicks

On the bar, this print.

Every named name on Coverage is scored each day. Only those that clear the three-factor screen (Fwd P/E ≤ 20 on delayed Yahoo — price ÷ Yahoo forward EPS; trailing vs forward differing by more than 20% is flagged, not silent — net margin ≥ 15% for an operating company; Yahoo ROA ≥ 1% for a bank — NI / NII is not a manufacturer's 15% test; net income / revenue for underwriters when Yahoo omits the print, omitted for REITs — ROIC ≥ 15% — NOPAT / (equity + debt − cash); ROE ≥ 15% for banks and underwriters; the capital box fails on negative book or P/B above 10, and missing prints fail), quality sleeve ≥ 70 (so cheapness cannot carry the 80/20 mix), blended score ≥ 70 (80/20 minus named flag deductions — the headline reprints from the two sleeves), at least 30% below estimated value, and the independent reprint sit here. A published estimate is Base = min(desk, 1.25× the Street target) when the desk sat above that cap (Yahoo mean when the median is a rounded dollar) so a 30% discount cannot be manufactured by a high multiple. When the cap does not bind, Base equals the desk Bull print — a stored Base above the current desk is stale and is not published. Independent means the engine runs those rules a second time before publish — Search, TopPicks, Alerts, Ask, and notifications share that pass: the three boxes plus both number gates, that MOS and 80/20 match the arithmetic, and that the industry/units model is the right one, including a dated Yahoo quote and no quarterly YoY as annual growth. Delayed Yahoo is the live source for US and local listings; an empty Alpha Vantage print is not a fail. PEG is a Lynch tape print — not a Pass box and not a fourth vote in any average. Forward P/E ≤ 20 is the entry gate on this list on purpose: quality-adjusted earnings power values names already on the page; a 24× compounder stays off by design. A name can stay for weeks. You do not get mail for staying. Names that miss the scan never appear here. Names that later miss a gate are not erased — they sit on Track record as Dropped off, with the first-clear date and the print then versus now (not an exit return). MOS is versus the published Base estimate only — never versus the house Bull print before the Street rule. Named sector flags (pipeline, patent book, for-profit education, auto OEM, cycle semis, customer-concentrated design houses, heavy SBC) sit under the score; they print Size-limit, not a clean Pass. A bank without CET1/NPL/NIM/CRE stays Watchlist — not a published Pass. Max buy is 70% of Base. Screening finds candidates. The same bar as Search — not a recommendation to buy or sell. Past results do not guarantee future results.

Mail when a name first clears is on Alerts— Today / this week / last month. Names that later miss a gate sit on Track record as Dropped off — first-clear date and the print then versus now, not an exit return. Not a second copy of this list.