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REDDIT

What is your ACTUAL process before buying a stock? (Not the textbook version)

V
Aug 17, 2026 · 18:37

I know the community actually puts in the fundamental work - reading 10-Ks, building DCF models, and ruthlessly analyzing moats. But I’m curious about your day-to-day realities.

I recently sat down to map out my own investing "process" and realized my honest, real-world version is embarrassingly short compared to the ideal.

My reality: Look at the P/E and FCF yield, skim the most recent earnings transcript, read a couple of write-ups or Reddit comments, and hit buy. Maybe 10 to 20 minutes total.

The "ideal" value version in my head - combing through 5 years of 10-Ks, building a rigorous DCF from scratch, calculating ROIC variations, tracking insider buying, and patiently waiting for a margin of safety -rarely happens as thoroughly as I plan it to.

Since I know you guys dig much deeper, I want to know what your *actual* workflow looks like... how you manage your time and research:

1. What was the last stock you bought, and what steps did you *actually* take before hitting buy? (In order, from initial screener/idea generation to the final valuation and purchase).
2. Roughly how long did the whole process take? (Hours? Days? Weeks? Be honest, I definitely won't judge since mine is far too short).
3. Do you use AI (ChatGPT, Gemini, etc.) anywhere in the process? For example, to summarize earnings calls, pull historical metrics, or check basic assumptions? If so, do you trust its output as-is, double-check it against Edgar, or ultimately ignore it?