Current picks

ⓘ This is a personal, automated research project, not investment advice. Nothing on this site is a recommendation to buy or sell any security — it publishes the output of one rules-based paper-trading strategy for its own record.

How scoring & screening works

Stage 1: every ticker must first clear all 7 Graham entry gates (pass/fail) to even be considered:

Valuation

Trailing P/E ≤ 20
P/E × Price/Book ≤ 30 (Munger's twist on Graham's own margin-of-safety check — paying a fair price for a wonderful business, not just a statistically cheap one)

Financial health

Market cap ≥ $2B (avoids fragile small caps)
Current ratio ≥ 1.5
Debt / equity ≤ 1.0

Profitability

4 consecutive years of positive net income
Dividend record: an optional gate, off by default in this system — a quality overlay substitutes for it

Stage 2: stocks clearing Stage 1 must also meet a Munger quality floor before they're eligible for a score:

Profitability — return on equity ≥ 15%, gross margin ≥ 30%
Cash flow — positive free cash flow

Everything clearing both stages gets a 0–100 Munger score, weighted: return on equity 30%, gross margin 20%, FCF yield 20%, low debt 15%, operating margin 15%. Ranking, not a pass/fail bar — the buy queue takes the top-scoring names within the portfolio's position limits.

Generated 2026-10-24 13:24 UTC

No positions are currently held. Showing the latest screen’s 13 buyable candidate(s), ranked by score — these passed every gate but are screen output, not holdings.

TROW score 81.8

Dividend

Status: buyable in the latest screen — not a held position

Market Cap	$22.23B
Trailing P/E	10.46
Price / Book	2.02
Current Ratio	4.04
Debt / Equity	0.04
Return on Equity	19.4%
Gross Margin	99.9%
Operating Margin	29.9%
Free Cash Flow	$2.02B
Dividend Yield	5.0%
Consecutive Positive-Earnings Years	4

SEC EDGAR ↗ · Finviz (TROW) ↗

NMIH score 79.2

Status: buyable in the latest screen — not a held position

Market Cap	$3.20B
Trailing P/E	8.38
Price / Book	1.19
Current Ratio	2.03
Debt / Equity	0.16
Return on Equity	15.4%
Gross Margin	76.4%
Operating Margin	76.7%
Free Cash Flow	$329.8M
Dividend Yield	0.0%
Consecutive Positive-Earnings Years	4

SEC EDGAR ↗ · Finviz (NMIH) ↗

LULU score 78.9

High ROE

Status: buyable in the latest screen — not a held position

Market Cap	$11.47B
Trailing P/E	8.15
Price / Book	2.31
Current Ratio	2.19
Debt / Equity	0.45
Return on Equity	30.9%
Gross Margin	56.6%
Operating Margin	19.9%
Free Cash Flow	$1.15B
Dividend Yield	0.0%
Consecutive Positive-Earnings Years	4

SEC EDGAR ↗ · Finviz (LULU) ↗

HRMY score 78.2

High ROE

Status: buyable in the latest screen — not a held position

Market Cap	$2.10B
Trailing P/E	11.65
Price / Book	2.10
Current Ratio	3.48
Debt / Equity	0.16
Return on Equity	20.5%
Gross Margin	77.2%
Operating Margin	24.0%
Free Cash Flow	$182.8M
Dividend Yield	0.0%
Consecutive Positive-Earnings Years	4

SEC EDGAR ↗ · Finviz (HRMY) ↗

INSW score 76.8

High ROEDividend

Status: buyable in the latest screen — not a held position

Market Cap	$5.67B
Trailing P/E	7.08
Price / Book	2.42
Current Ratio	5.94
Debt / Equity	0.29
Return on Equity	37.4%
Gross Margin	72.5%
Operating Margin	41.0%
Free Cash Flow	$69.7M
Dividend Yield	7.4%
Consecutive Positive-Earnings Years	4

SEC EDGAR ↗ · Finviz (INSW) ↗

PRDO score 76.4

Status: buyable in the latest screen — not a held position

Market Cap	$2.12B
Trailing P/E	12.33
Price / Book	2.05
Current Ratio	4.69
Debt / Equity	0.11
Return on Equity	17.6%
Gross Margin	79.9%
Operating Margin	23.2%
Free Cash Flow	$184.7M
Dividend Yield	2.0%
Consecutive Positive-Earnings Years	4

SEC EDGAR ↗ · Finviz (PRDO) ↗

CF score 75.5

High ROE

Status: buyable in the latest screen — not a held position

Market Cap	$18.26B
Trailing P/E	8.95
Price / Book	3.18
Current Ratio	4.86
Debt / Equity	0.41
Return on Equity	29.9%
Gross Margin	38.5%
Operating Margin	32.5%
Free Cash Flow	$1.28B
Dividend Yield	2.0%
Consecutive Positive-Earnings Years	4

SEC EDGAR ↗ · Finviz (CF) ↗

MGY score 73.7

High ROE

Status: buyable in the latest screen — not a held position

Market Cap	$7.18B
Trailing P/E	11.47
Price / Book	2.21
Current Ratio	1.58
Debt / Equity	0.19
Return on Equity	20.9%
Gross Margin	82.2%
Operating Margin	33.5%
Free Cash Flow	$332.5M
Dividend Yield	2.5%
Consecutive Positive-Earnings Years	4

SEC EDGAR ↗ · Finviz (MGY) ↗

GNTX score 66.6

Status: buyable in the latest screen — not a held position

Market Cap	$4.35B
Trailing P/E	10.93
Price / Book	1.72
Current Ratio	3.04
Debt / Equity	0.00
Return on Equity	16.4%
Gross Margin	34.2%
Operating Margin	18.7%
Free Cash Flow	$356.8M
Dividend Yield	2.3%
Consecutive Positive-Earnings Years	4

SEC EDGAR ↗ · Finviz (GNTX) ↗

LRN score 65.4

High ROE

Status: buyable in the latest screen — not a held position

Market Cap	$3.30B
Trailing P/E	10.37
Price / Book	1.98
Current Ratio	2.56
Debt / Equity	0.37
Return on Equity	20.9%
Gross Margin	37.8%
Operating Margin	17.9%
Free Cash Flow	$324.8M
Dividend Yield	0.0%
Consecutive Positive-Earnings Years	4

SEC EDGAR ↗ · Finviz (LRN) ↗

HIG score 60.8

High ROE

Status: buyable in the latest screen — not a held position

Market Cap	$37.04B
Trailing P/E	9.68
Price / Book	1.92
Current Ratio	1.77
Debt / Equity	0.22
Return on Equity	22.1%
Gross Margin	37.9%
Operating Margin	-7.1%
Free Cash Flow	$5.51B
Dividend Yield	1.8%
Consecutive Positive-Earnings Years	4

SEC EDGAR ↗ · Finviz (HIG) ↗

ASO score 42.0

Status: buyable in the latest screen — not a held position

Market Cap	$3.72B
Trailing P/E	10.12
Price / Book	1.72
Current Ratio	1.74
Debt / Equity	0.90
Return on Equity	18.6%
Gross Margin	34.8%
Operating Margin	8.5%
Free Cash Flow	$169.6M
Dividend Yield	1.0%
Consecutive Positive-Earnings Years	4

SEC EDGAR ↗ · Finviz (ASO) ↗

GRBK score 40.9

Status: buyable in the latest screen — not a held position

Market Cap	$2.77B
Trailing P/E	9.70
Price / Book	1.44
Current Ratio	7.05
Debt / Equity	0.14
Return on Equity	16.4%
Gross Margin	30.5%
Operating Margin	11.5%
Free Cash Flow	$7.0M
Dividend Yield	0.0%
Consecutive Positive-Earnings Years	4

SEC EDGAR ↗ · Finviz (GRBK) ↗