Investment Dashboard: 4 Engines, One Stock at a Glance

Concepts

Why 4 engines?

A single indicator (like "P/E < 10 = cheap") leads to traps. A stock has to be evaluated across:

• Is the company profitable? (Quality)
• Is the price reasonable? (Valuation)
• Is the market buying? (Momentum)
• Will it keep me up at night? (Risk)

Looking at all four together avoids traps like "cheap but persistently declining" or "strong momentum but losing money on the core business."

What does each engine measure?

Each stock is scored independently by 4 models (0-100 each):

Each engine internally aggregates a dozen-plus indicators — that's why the Hero footer shows "✨ Score Sources: Quality 5 dims · Momentum 23 indicators · Risk 39 indicators · Valuation 5 models".

5 scoring preferences (your style)

Different investors have different priorities — forcing one weight scheme on everyone isn't right. The Hero has 5 preference buttons (selection persists in browser, across stocks):

Switching preferences updates the Hero score in real-time. The 4 engine cards stay the same (those are independent engine outputs).

3 veto gates (anti value-trap)

Plain weighted averaging has a classic problem: "cheap valuation (80)" cancels out "weak momentum (30) + high risk (35)" — a cheap junk stock gets misjudged "Buy". So we added 3 hard rules:

Each triggered gate deducts 8 points; 3+ gates → forced "Strong Avoid". A red badge appears on Hero showing "🚨 Risk Gate: Max DD -37.7% too deep" so you see why the score was downgraded.

7-tier verdict

The old "Buy / Hold / Sell" 3 tiers were too coarse. Now 7 tiers:

Cheap valuation ≠ short-term gains (Important!)

The "12-month target" in Action Plan is a theoretical fair-price median from 6 valuation models — not a "will reach in 12 months" promise. Stock prices are driven by market momentum; valuation reversion can take much longer than expected when momentum is weak.

When momentum/risk gates trigger, the "12-month target" card shows an amber warning:

⚠ This is a valuation-based theoretical price, not adjusted for momentum/risk warnings. Real prices are driven by market momentum — valuation reversion may take longer than expected.

The note also shows three numbers: Low / Median (main number) / High — so you see the full valuation range, not just one optimistic point.

How to read the Insights page

Open any stock page (e.g. /stock/2330), switch to "VIP / Insights" tab.

3 ways to read:

1. Quick scan (30 sec): Just check the Hero verdict text + red veto badges. If verdict is "Avoid / Strong Avoid" with multiple red badges → skip it.
2. Preference scan (1 min): Toggle the 5 preference buttons, see if the verdict is consistent. If all preferences say "Buy" → strong signal; if only "Value" says buy and others say "Hold" → classic value trap warning.
3. Full read (3 min): Click the lowest-scoring engine card to drill into root cause; check Warnings section red items, Peer Ranking, and Institutional Flows.

Why does the Hero score differ from the 4 engine cards' average?

The Hero score = 4 engines weighted by your selected preference + veto gate deductions. E.g. cards show 70 / 80 / 30 / 35:

• Balanced: 70×0.30 + 80×0.25 + 30×0.25 + 35×0.20 = 50.5
• Risk Gate + Momentum Gate triggered → -16 → 34
• Verdict: "Hold-Bearish"

If you switch to "Value" preference (valuation weight 45%):

• 70×0.25 + 80×0.45 + 30×0.15 + 35×0.15 = 60
• Same gates → -16 → 44
• Verdict: "Hold-Neutral"

Different preferences → different scores → different verdicts. This is the point — see how different investing philosophies judge the same stock.

FAQ

Q: Engine cards stay the same but Hero changes when I toggle preferences. Reasonable?

Yes. The 4 engine cards are independent scoring outputs (the company's actual conditions) and don't change based on your preference. But the "verdict" depends on which aspects you weight more — value investors get excited by cheap stocks, defensive investors avoid high-risk ones, the verdict should be person-dependent. Hero reflects your judgment preference; the 4 cards reflect facts.

Q: Why does momentum use 23-indicator bull/bear ratio?

The old momentum engine used only 8 technical indicators (MA / RSI / MACD / volume + 4 chip metrics), but the "Market" tab shows 22-25 technical indicators — a lot of data didn't enter scoring. Users would wonder "why so many indicators but the score looks so simple?" Switching to 23-indicator bull/bear ratio:

• Formula: score = (bullish × 100 + neutral × 50) / 23
• All bullish → 100, all bearish → 0, exactly the same data as the "Indicator Overview" donut chart you see
• Momentum honestly reflects the technical big picture; "half-bear stocks" no longer score "30 — not bad"

Q: 12-month target is way above current price, can I buy?

Don't treat it as "will reach in 12 months." It's a "theoretical price assuming valuation reverts to historical reasonable level," requiring:

1. Fundamentals stay intact
2. Market willing to grant reasonable valuation
3. 12-month timeframe sufficient

For weak-momentum / high-risk stocks, these often don't hold — valuation reversion can be delayed 1-3 years (or fundamentals keep deteriorating, valuation keeps reverting lower). The Hero's "Avoid / Strong Avoid" verdict is more reliable than the target price.

Q: Lots of red warnings — does that mean don't buy?

Not necessarily. Red warnings mean "currently at extreme state" (e.g. P/E in 1Y P95), not necessarily "will drop" — extremes can also be "strong" signals. Cross-check with engine scores:

• Many reds + high momentum + medium risk → strong inertia (ride the trend)
• Many reds + low momentum + low risk → multi-warning convergence (high-risk)

Treat warnings as "clues" not "conclusions."