Most retail investors have used a stock screener at some point. You filter by P/E ratio, maybe market cap, perhaps dividend yield. Then you stare at a list of 40 tickers and still have no idea which one is actually worth buying. The screener told you what a stock looks like on one dimension. It said nothing about whether the business is financially healthy, whether the price reflects fair value, or whether the risk profile makes sense for a long-term portfolio. That gap is exactly what AInvestor was built to close.
AInvestor is a quantitative stock research platform that covers the entire S&P 500 and beyond. Instead of handing you a raw data table, it runs each stock through a structured scoring model that combines valuation methods, financial health, competitive position, macro risk signals, and risk-adjusted logic into a single 0-to-100 score. The output is a clear BUY, HOLD, or SELL recommendation, backed by the math underneath it.
The platform was built by Ivan Knežević, a mathematical modelling engineer with a master’s from the Technical University of Denmark, and Denis Jagodić, a software engineer whose background includes real-time systems for air traffic control. These are not finance influencers building a fancy spreadsheet. These are people who think in formulas and care deeply about getting the model right.
What AInvestor Actually Does: Key Features
The AInvestor Score (0-100)
Every stock gets scored across four weighted dimensions: financial health, competitive position, macro risk assessment, and risk-adjusted returns. The score rolls all of these into a single number. A score above a certain threshold triggers a BUY rating; weaker profiles land in HOLD or SELL territory. For context, NVIDIA currently scores 81.33 out of 100 and carries a BUY label. META scores 71.44 and sits at HOLD. The score gives you a fast signal, but you can drill into each component to understand why.
Multi-Method Fair Value Calculation
This is where it gets interesting. AInvestor does not rely on a single valuation method. It calculates fair value using four separate approaches: Discounted Cash Flow (DCF), Earnings Power Value (EPV), Peter Lynch Fair Value, and Trading Multiples. Each method captures a different dimension of intrinsic value. The platform then produces a weighted average fair value so no single model skews the result. For NVIDIA, the weighted fair value sits at $256.46 against a current price of around $205, suggesting roughly 25% upside.
Backtest Calculator and Historical Model Performance
Claims about stock-picking models are easy to make. Proof is harder. AInvestor publishes a full five-year backtest covering 2020 to 2025, with yearly rebalancing. BUY-rated stocks delivered 158.41% total returns during that period. The S&P 500 returned 75.04% over the same stretch. That is a 2.11x return ratio and an 83.37% excess cumulative return versus the benchmark. The backtest calculator also lets you set custom start and end dates to run your own scenario comparisons.
Full S&P 500 Coverage with Sector Filters
The platform covers 500+ stocks across all 11 GICS sectors. You can filter by sector, sort by investment score or fair value gap, and toggle between BUY-only views or the full universe. There is also a curated AInvestor Portfolio page that shows only BUY-rated names at any given time, currently listing 38 stocks. It is a practical shortlist for anyone who wants to start somewhere concrete.
Marcus Uses AInvestor on a Sunday Morning: A Real Scenario
Marcus, a 34-year-old software developer in Amsterdam, spends most Sunday mornings reviewing his portfolio. He had been watching Lululemon (LULU) for a few months but kept putting off a decision. Too much conflicting noise online. At 9:15 a.m. last Sunday, he typed LULU into AInvestor’s search bar.
The result came back in seconds. LULU scored 73.97 out of 100. The weighted fair value was $269.05 against a current price of $114.23, a potential upside of 135.5%. The DCF and Peter Lynch methods both pointed in the same direction. Financial health scored well; the macro risk flag was moderate. The platform returned a BUY recommendation.
Marcus did not blindly follow it. He clicked into the individual score breakdowns, checked the DCF assumptions, and read through the competitive position component. Within about 20 minutes, he had a structured basis for a decision. He opened a position. The point is not whether LULU goes up. The point is that Marcus replaced an hour of scattered Googling with a focused, methodical research session backed by real calculations. That is a meaningful difference.
How the AInvestor Scoring Process Works
Step 1: Enter a Stock Symbol
Go to the homepage, type in any S&P 500 ticker, and the platform loads the full analysis page for that stock. Everything is pre-calculated and updated regularly.
Step 2: Review the Score and Recommendation
The top of each stock page shows the AInvestor Score out of 100, the BUY/HOLD/SELL recommendation, and the confidence level. META shows a confidence of 8.5 out of 10, for example. These labels come from the algorithm, not editorial opinion.
Step 3: Dig Into Fair Value
Below the score, you get the weighted fair value alongside each individual method’s output. The DCF assumptions (growth rate, discount rate, terminal growth) are visible so you can evaluate whether they seem reasonable for the business in question.
Step 4: Use the Backtest Calculator to Validate Strategy
If you want to test a hypothesis about how BUY-rated stocks perform over a specific period, the backtest calculator lets you set your own date range and runs a portfolio simulation with yearly rebalancing against the S&P 500. It is a genuinely useful tool for building conviction before committing capital.
Who Should Try AInvestor
AInvestor suits self-directed retail investors who want more structure in their research process, without needing a finance degree to follow the logic. It is particularly useful for anyone frustrated by stock screeners that generate data without context, or by analysis sites that bury their methodology. The platform is free to use, the data covers the full S&P 500, and the backtest track record is published openly.
