After spending months studying financial statements for the CPA, I built this

TLDR: Built a App that grades stocks based on key financial ratios used by Analyst here: https://intrinsics.app

I’m studying for the CPA exam and noticed I was spending way too much time manually pulling financial ratios from SEC filings just to compare companies properly.

One thing that kept bothering me: most “stock analysis” tools use the same thresholds for every company.

But a good current ratio for a software company is very different from a good current ratio for a retailer or industrial business.

So over Memorial Day weekend I built a tool called Intrinsics that automatically:

• Pulls recent SEC filing data
• Calculates 6 core financial ratios
• Benchmarks companies against sector peers instead of generic thresholds
• Grades overall financial strength

The ratios currently included are:

• Current ratio
• Debt to equity
• Asset turnover
• Operating margin
• P/E ratio
• Revenue growth

Example:

A 0.9 current ratio might be terrible for one sector but completely normal for another. Same with margins, leverage, and valuation multiples. I wanted something that adjusted for industry structure automatically.

The site is free, no login, and mobile friendly:
https://intrinsics.app

I’d genuinely appreciate feedback from people who analyze stocks regularly.

Main things I’m trying to figure out now:

• Which ratios are actually most useful for retail investors?
• What’s missing from the grading system?
• Should qualitative factors matter or stay purely fundamentals based?
• Would historical trend grading be more useful than point-in-time grading?

Happy to explain how the scoring logic works if anyone’s interested.