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    Everything Money 8-Pillar Scoring Architecture

    8-Pillars Fundamental Analyzer

    Comprehensive 8-pillar audit testing valuation, capital efficiency, balance sheet health, and organic compounding.

    Select United States (S&P 500 / NASDAQ) Stock Preset:Pillar Score: 6/8 (75%)
    Overall 8-Pillars Composite Score
    6 / 8(75% Passing)

    Solid business fundamentals with minor valuation or capital structure friction. Prime candidate for accumulation on pullbacks.

    QUALITY WATCHLIST
    5-Yr Rev CAGR: +8.15% • Profit CAGR: +12.6%
    PILLAR 1 FAIL

    5-Year P/E Ratio

    Actual: 28.5x (Current: 34.1x)
    Target: <= 22.5x

    Valuation multiple exceeds maximum conservative threshold.

    PILLAR 2 PASS

    Return on Invested Capital (ROIC)

    Actual: 54.0%
    Target: >= 9%

    Strong capital efficiency exceeding typical cost of capital.

    PILLAR 3 PASS

    5-Year Revenue Growth

    Actual: 8.2%
    Target: >= 5%

    Consistent top-line business expansion over the last 5 years.

    PILLAR 4 PASS

    5-Year Net Income Growth

    Actual: 12.6%
    Target: >= 5%

    Profits expanding in tandem with or faster than revenue.

    PILLAR 5 PASS

    Shares Outstanding (Buybacks / Dilution)

    Actual: -13.1%
    Target: <= 0.0%

    Share count reduced through buybacks, increasing per-share ownership.

    PILLAR 6 PASS

    Debt to Free Cash Flow Coverage

    Actual: 1.0x
    Target: < 5x

    Manageable debt load capable of full payoff within 5 years of FCF.

    PILLAR 7 PASS

    Free Cash Flow Quality

    Actual: 107000.0M (91% of OCF)
    Target: > 25% conversion

    Robust cash conversion from operations into free shareholder cash flow.

    PILLAR 8 FAIL

    Price to Free Cash Flow (P/FCF)

    Actual: 32.0x
    Target: <= 20x

    High multiple relative to free cash flow generation.

    Customize Metric Inputs (AAPL)

    5-Year Avg P/E:
    5-Year Avg ROIC (%):
    Shares 5-Yr Ago (M):
    Current Shares (M):
    5-Yr Ago Revenue (M):
    Current Revenue (M):
    Operating Cash Flow (M):
    Total CapEx (M):

    Methodological Reference: 8-Pillars Screening Framework

    Popularized by the Everything Money investment committee (Paul Gabrail, Mo Bakir), the 8-Pillars model establishes hard negative filters against value traps. It demands that a business earn high returns on capital (>9% ROIC), compound both revenue and net earnings at healthy rates, systematically retire share count via buybacks, and maintain a fortress balance sheet with long-term debt payable in under 5 years of Free Cash Flow.