Works for US-listed companies that file 10-K reports with the SEC.
It reads each company's official reports filed with the US SEC (up to 10 years), adds today's price, and runs the same checks every time. Nothing is hand-picked, and every number shows how it was judged.
| Shariah screen | Business activity plus the AAOIFI-style ratios: interest-bearing debt under 30% of market value, cash and interest-bearing securities under 30%, interest income under 5% of revenue. A failure means an automatic Avoid. |
| Quality (0-100) | Mostly return on invested capital and how consistent it is, plus margins, cash conversion, profit history, share dilution and stock-based pay. |
| Balance sheet (0-100) | Net debt versus earnings, interest coverage, short-term liquidity, debt versus equity, and how fast free cash flow could repay all debt. |
| Growth (0-100) | Revenue, earnings-per-share and free-cash-flow-per-share growth over about 5 years, how consistent it was, and whether it is speeding up or slowing down. |
| Valuation | A fair value from future owner cash flow (free cash flow minus stock-based pay), checked against the stock's own past valuation and its PEG ratio. |
| Strong buy candidate | High quality, healthy balance sheet, priced below fair value, no warning signs, high confidence. |
| Buy candidate | High quality at a fair price (or cheap with a caution). |
| Possible bargain | High quality and very cheap, but the price assumes a sharp slowdown. Either an opportunity or a trap: research first. |
| Watchlist | High quality, but the price is too high. A "buy below" price is shown. |
| Worth a closer look / Pass | Average business: cheap is worth researching, otherwise pass. |
| Avoid | Fails the Shariah screen, weak returns, or a risky balance sheet. |
| Speculative | Losing money and burning cash, so fundamentals cannot value it. |
The tool projects 10 years of owner cash flow. Revenue grows at a blend of the company's track record (the lower of its 5-year and 3-year growth rates, so one unusual year like 2020 can't inflate it) and its recent growth (capped at 20% a year), then slows to 2.5%. Cash margins stay at their typical recent level. Future cash is discounted at 8% for strong, large companies, 9% for typical ones and 10% for weaker or small ones. The bear and bull cases change growth and margins. It also works backwards: what growth does today's price assume? That one number often teaches more than the fair value itself.
Limits to know: it assumes today's cash margins continue, so companies spending heavily now to grow later can look expensive, and hypergrowth companies are capped at 20% growth.
A second view of the same stock: the chart. It reads about five years of daily prices and checks the trend (21-day EMA, 50-day and 200-day averages), momentum (RSI, MACD), volume, and support and resistance levels from past swing highs and lows. It then looks for one of a few long-only setups (a pullback to the averages in an uptrend, a breakout on strong volume, an oversold reversal, a bounce at range support) and builds a swing plan: entry trigger, stop loss, two targets and an exit plan. A calculator shows what that means in dollars, and the most you should invest so one loss costs at most 1% of your portfolio.
The long-term plan on the Fundamental tab is different: buy and trim levels from the fair value, and "sell if" rules based on the business, with no stop loss. The best entries have both tabs on their side. No set of indicators wins most of the time, so judge any plan over many trades.
The Shortlist screens every company each morning: swing buy signals, quality businesses below fair value, stocks near their buy price, market leaders and dividend payers, with halal, sector, size and earnings filters. The Watchlist follows the companies you star (saved on your device only) and flags what changed: the verdict, halal status, new signals, earnings dates, and your own stop and target levels. The Record shows how the exact swing rules did on five years of prices, and a live log of every signal since the site started.
For dividend payers, the Fundamental tab shows the yield, how much of profit is paid out, and the history, plus a calculator for the impure share to give to charity. It is estimated from interest income; if Zoya or Musaffa show a higher figure, use theirs.
Financials: SEC EDGAR (official XBRL filings). Prices: Nasdaq, with backups. Results are cached for about 30 minutes. This is an educational tool, not financial advice.