Intrinsic.
Invest with institutional
precision.
Stop guessing. Turn complex financial data into clear buy signals using our fully automated valuation engine, now powered by AI.
Intrinsic.
Stop guessing. Turn complex financial data into clear buy signals using our fully automated valuation engine, now powered by AI.
Designed for DIY value investors, finance students, and portfolio managers who are tired of broken spreadsheets. If you want institutional-grade DCF models without the Bloomberg Terminal price tag, this is for you.
We believe your financial data is yours. Intrinsic is a Local-First application. Your watchlists, calculations, and API keys are stored securely on your Mac. Nothing is sent to our servers.
Instead of charging you expensive monthly subscriptions for data, Intrinsic uses a BYOK model. You plug in your own free Finnhub and Google Gemini API keys directly in the settings for unlimited use.
No spreadsheets. No broken formulas. Just pure financial analysis.
Type any US stock ticker. Intrinsic instantly fetches live financials, cash flows, and debt metrics via Finnhub.
Input your expected Free Cash Flow growth rate (CAGR), using our 5-year historical average as a baseline.
Enter your Discount Rate. You can manually set your target return or use our magic WACC calculator based on Beta.
Apply an Exit Multiple to calculate the terminal value. Intrinsic instantly computes the fair value and margin of safety.
Intrinsic automatically logs every valuation you compute. Access your Analysis History to instantly reload previous assumptions, check how your intrinsic value has evolved, and see historical margins of safety at a glance.
Our main dashboard provides immediate clarity. Visualize the Base, Bear, and Bull scenarios simultaneously. The interactive Reverse DCF curve reveals exactly what growth rate the current market price is implying, exposing hidden risks or opportunities.
Move beyond static numbers. Intrinsic runs 1,000 Monte Carlo simulations to show you the probability distribution of your investment's fair value. Combine this with our customizable Sensitivity Matrix to see how macro-economic changes impact your margin of safety.
Whether you're presenting to clients, managing a fund, or documenting your personal portfolio, Intrinsic generates clean, vector-based PDF reports with a single click (⌘E). Everything from the balance sheet to the DCF parameters is beautifully formatted.
Powered by Google's Gemini Flash, the built-in AI assistant synthesizes your entire valuation dataset in seconds. It highlights structural strengths, exposes key risks, and provides a clear, data-driven verdict to guide your decision.
Powerful tools to determine the buy price, all in one view.
Instant intrinsic value calculation. 5-year projections based on FCF with automated Finnhub data fetching.
Reality check. See exactly what growth rate the market price implies, and compare it to yours.
Stop guessing the discount rate. We automatically calculate WACC based on live Beta and Risk-Free rates.
Context matters. Automatically compares your stock's P/E ratio against its top 3 direct industry peers.
Customizable Heatmap. Visualize how small changes in discount rates and growth impact the fair value.
Cross-check your DCF with the classic Benjamin Graham Formula and Historical P/E ratio projections.
We hate monthly fees as much as you do.
100% Free. No hidden fees.
Intrinsic is built upon the timeless principles of Value Investing.
"Price is what you pay. Value is what you get."
"The function of the margin of safety is to render an accurate estimate of the future unnecessary."
Everything you need to know about Intrinsic.
Intrinsic fetches end-of-day data for most metrics and real-time quotes when available via standard public financial APIs. It's designed for long-term fundamental investors, not high-frequency day traders.
We currently support major global exchanges including NYSE and NASDAQ. Simply type the ticker.
Yes, absolutely. All calculations and assumption inputs happen locally on your Mac. We do not track your portfolio, your watchlists, or your API keys. You are in total control.
No. While the tools are professional-grade (DCF, PEG, Monte Carlo), the interface is designed to be highly intuitive. We provide helpful tooltips and context for every financial input.