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On PYPL · Summary
Why is this score 91?
Ninety-one blends eleven signals, weighted. The four discounted models each value PYPL above its price (DCF $121, exit multiples $109, peer comparison $98, relative valuation $116), and their agreement on direction carries most of the weight. The reverse DCF says the price implies 1.8% long-run growth, well below anything the business has delivered, which the score reads as a low bar. Insider and institutional flow is supportive: a 4.1σ insider cluster and net institutional buying last quarter. The one signal pulling the other way is retail sentiment, which is net negative and small.
On PYPL · Summary
Why is this score 91?
Ninety-one blends eleven signals, weighted. The four discounted models each value PYPL above its price (DCF $121, exit multiples $109, peer comparison $98, relative valuation $116), and their agreement on direction carries most of the weight. The reverse DCF says the price implies 1.8% long-run growth, well below anything the business has delivered, which the score reads as a low bar. Insider and institutional flow is supportive: a 4.1σ insider cluster and net institutional buying last quarter. The one signal pulling the other way is retail sentiment, which is net negative and small.
Which of my names had insider buying this quarter, and was any of it a plan sale?
Which of my names had insider buying this quarter, and was any of it a plan sale?
Reasoned for 38 s · read 9 filings
Three of your seven names had open-market insider buying this quarter; one had a plan sale.
PYPL: the CEO, CFO and a director bought inside fourteen days, $1.6M in total, all discretionary; a 4.1σ cluster against the issuer's own base rate. NVDA: an EVP and two directors bought $3.1M inside 48 hours, all discretionary. NKE: two directors bought $0.4M on 21 August. AAPL's $41.5M sale by the CEO was under a 10b5-1 plan set in March, so it is filtered from scoring and shown as a plan sale. No insider filing named CMCSA, INTU or MSFT in the window.
- Read the watchlist: seven names.
- Queried Form 4 filings for each name, 1 June to 2 September.
- Separated open-market transactions from 10b5-1 plan transactions by the filing's own flag.
- Computed each issuer's cluster score against its five-year base rate.
A spend cap per account sits underneath the quota. Ungrounded answers are not given; a question the data cannot answer says so.
Reasoned for 38 s · read 9 filings
Three of your seven names had open-market insider buying this quarter; one had a plan sale.
PYPL: the CEO, CFO and a director bought inside fourteen days, $1.6M in total, all discretionary; a 4.1σ cluster against the issuer's own base rate. NVDA: an EVP and two directors bought $3.1M inside 48 hours, all discretionary. NKE: two directors bought $0.4M on 21 August. AAPL's $41.5M sale by the CEO was under a 10b5-1 plan set in March, so it is filtered from scoring and shown as a plan sale. No insider filing named CMCSA, INTU or MSFT in the window.
- Read the watchlist: seven names.
- Queried Form 4 filings for each name, 1 June to 2 September.
- Separated open-market transactions from 10b5-1 plan transactions by the filing's own flag.
- Computed each issuer's cluster score against its five-year base rate.
A spend cap per account sits underneath the quota. Ungrounded answers are not given; a question the data cannot answer says so.
Explain-this lives on every page as the button beside a score; this page keeps the history. See it on a stock page.
Design preview: illustrative figures throughout, invented and tied to no live run and no real company’s accounts. Analysis is not advice and nothing here is a recommendation to buy or sell any security.
Insider, fund and congressional disclosures are shown with the lag between transaction and filing, because that lag is part of what a row means. Valuations are model output under stated conventions, reproducible only from a run’s own recorded inputs, version and vintage.