What is Tenets?

Most investors who take value investing seriously already know the frameworks. They've read Graham. They've studied Buffett's letters. They've worked through Damodaran's spreadsheets. The problem isn't knowledge, it's execution.

Running a proper analysis means pulling financial data, calculating the Graham Number, building a DCF, estimating owner earnings, scoring the Piotroski F-Score, and then synthesising it all into a verdict. Done properly, that takes hours. Done quickly, it gets cut short. Most investors end up using one framework, skipping the others, and hoping they haven't missed something important.

Tenets was built to close that gap.

What Tenets does

Tenets is an automated stock analysis tool. You enter a ticker. The engine runs three complete frameworks: Graham's safety check, Buffett's business evaluation, and Damodaran's valuation model and returns a single, reasoned verdict.

Every number is calculated by the engine. Not generated by AI, not pulled from a summary, not estimated. The Graham Number is computed from the balance sheet. The DCF uses real revenue and earnings data. The Piotroski F-Score runs all nine criteria. The reverse DCF tells you what growth rate the market is currently pricing in, and whether that's realistic.

The three mentors: Graham, Buffett, and Damodaran

Each framework brings a different lens:

Benjamin Graham checks safety. Is the stock cheap enough relative to its assets and earnings to provide a genuine margin of safety? Graham's screen filters out the stocks where the downside risk isn't compensated.

Warren Buffett checks quality. Does the business have a durable competitive advantage? Is management allocating capital well? Are the financials consistent over time? Buffett's four tenets separate great businesses from cheap ones.

Aswath Damodaran checks valuation. What is the stock actually worth, given realistic assumptions about growth, risk, and cash flow? Damodaran's DCF framework is the most rigorous valuation methodology available to individual investors, and the most commonly skipped.

When all three agree, conviction is higher. When they disagree, that disagreement is itself informative.

What the output looks like

The analysis returns five things:

• Bear/base/bull scenarios: the same DCF run under three sets of growth assumptions, so you can see how sensitive the valuation is to your outlook

• A multi-model fair value table: Graham Number, Buffett owner earnings DCF, and Damodaran DCF side by side, with a blended average

• A narrative conclusion: what each mentor would say about this stock, where they agree, where they diverge, and why

• A watchlist: save the stocks you're tracking and return to them without re-running the full analysis

• Excel and PDF export: output the data and calculations in your favourite format for further distribution or import into your workflow.

The output answers one question: Is this stock worth your attention right now?

Who is Tenets built for

Tenets is for investors who already know what they're doing and are frustrated that no single tool does it properly. If you've ever spent an afternoon building a DCF only to realise you haven't run a Graham screen, or bought a stock that looked cheap until the Piotroski score revealed deteriorating fundamentals, Tenets is for you.

The target user isn't a complete beginner. It's a senior professional with a self-directed portfolio, a methodology they believe in, and not enough time to apply it consistently.

Where to start

The best way to understand what Tenets produces is to read an issue of The Tenet: the weekly newsletter that applies all three frameworks to one stock every Sunday.

Issue #1: Erie Indemnity (ERIE) - Graham says avoid. Buffett says buy. Here's why both are right.

Issue #2: Adobe (ADBE) - The market is pricing in 6.2% growth. The engine estimates 16.2%. The spread matters.

The app is in development. Join the waitlist, and you'll be first in when it's ready.

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