SENECA ◆ Intrinsic Value Oracle

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SENECA

Intrinsic Value Oracle

Six classical valuation models — Graham, Buffett, Lynch and more — synthesised into one verdict. Stocks, ETFs and indexes. No noise. Just what it's actually worth.

Graham · Buffett · Lynch Health Score AI Analysis ETF / Index Models Login · Any Device

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SENECA

Intrinsic Value Oracle

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◈ WATCHLIST

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Consulting the oracle…

Price is what you pay. Value is what you get.

— WARREN BUFFETT

The stock market is a device for transferring money from the impatient to the patient.

— WARREN BUFFETT

In the short run, the market is a voting machine, but in the long run, it is a weighing machine.

— BENJAMIN GRAHAM

The four most dangerous words in investing are: this time it's different.

— SIR JOHN TEMPLETON

Know what you own, and know why you own it.

— PETER LYNCH

The individual investor should act consistently as an investor and not as a speculator.

— BENJAMIN GRAHAM

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6 MODELS

Graham, Buffett, Lynch, Simons, DCF — synthesised into one composite

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HEALTH SCORE

Profitability, leverage, cash flow and accounting integrity graded A–F

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AI VERDICT

Claude cross-verifies fundamentals and surfaces hidden financial risks

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COMPARE

Side-by-side valuation of any two stocks, ETFs or indexes

◈ QUICK START

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SENECA

Intrinsic Value Oracle

Professional-grade fundamental analysis. Seven time-tested valuation models, an AI-powered health score, and forensic financial review — all synthesised into one clear verdict on any stock, ETF, or index.

◈ WHAT SENECA DELIVERS

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7 VALUATION MODELS

Graham Number, Graham Growth, Buffett DCF, Peter Lynch PEG, Simons Quant, Free Cash Flow DCF, and Gordon Growth DDM — each grounded in decades of investment theory.

Weighted composite = fair value consensus

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HEALTH SCORE A–F

A deterministic 0–100 score grading five financial pillars: Profitability, Leverage, Cash Flow Quality, Growth, and Valuation Sanity — flagging hidden risks most investors miss.

Score = ROE + ROA + D/E + FCF + Coverage + Margins…

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AI FORENSIC ANALYSIS

Powered by Llama 3.3 70B, SENECA's AI cross-verifies every health score for accounting irregularities, hidden liabilities, altered definitions, and off-balance-sheet risk — in plain English.

LLM × deterministic score = forensic verdict

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SIDE-BY-SIDE COMPARE

Compare any two stocks, ETFs or indexes simultaneously. Composite fair value, health score, P/E, dividend yield, beta and verdict displayed side-by-side for clear relative analysis.

Any two tickers · stocks, ETFs, indexes

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ETF & INDEX MODELS

ETFs and index funds get purpose-built models: Fed Model (earnings yield vs Treasury), P/E Mean Reversion to historical 17×, and CAPM-based Gordon Growth DDM. Not just stock formulas applied blindly.

Fed Model · P/E Reversion · ETF Gordon DDM

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PDF REPORT EXPORT

Download a professionally formatted report for any analysis — all seven models, health score, AI verdict, and composite — ready to share with clients, advisors, or your investment committee.

Full report · branded · any device

◈ THE MODELS

Graham Number

√( 22.5 × EPS × Book Value Per Share )

Benjamin Graham's bedrock formula. Takes the geometric mean of earnings and book value — the foundation of value investing since 1949. Only valid for profitable, asset-backed companies.

Graham Growth Formula

EPS × (8.5 + 2g) × 4.4 ÷ AAA bond yield

Graham's extension for growth stocks. Adjusts fair value based on expected earnings growth and the prevailing AAA bond yield — tying equity value to the cost of capital.

Buffett DCF

Σ EPS × (1+g)ⁿ ÷ (1.09)ⁿ + terminal value at 15×

Discounts ten years of projected EPS at a 9% rate with a 15× terminal earnings multiple — Warren Buffett's owner-earnings approach adapted for individual stocks.

Peter Lynch PEG

EPS × earnings growth % (PEG = 1 is fairly valued)

Lynch's famous insight: a fairly priced stock has a P/E equal to its growth rate. Simple, powerful, and famously effective for identifying growth stocks at reasonable prices.

Simons Quant Factor

Price × (ROE ÷ P/E) × (1 ÷ P/B) × (1 + 0.3 × momentum)

A Renaissance-inspired multi-factor signal blending quality (ROE), value (P/E, P/B), and price momentum. Penalises overpriced, low-quality stocks and rewards the opposite.

Free Cash Flow DCF

Σ FCF/share × (1+g)ⁿ ÷ (1.10)ⁿ + terminal value

Discounts actual free cash flow per share — the real cash the business generates — at a 10% discount rate with a 2.5% perpetual terminal growth assumption.

Gordon Growth DDM

D₁ ÷ (CAPM required return − sustainable dividend growth)

The Gordon Growth Model using CAPM for the required return (4.3% risk-free + beta × 5.5% equity premium) and dividend growth capped at 3.5%. Only applied to dividend-paying companies.

◈ FULL ACCESS

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✦ Unlimited stock, ETF & index lookups

✦ 7 valuation models + composite score

✦ AI health score with forensic analysis

✦ Persistent watchlist across all devices

✦ PDF report export for every analysis

✦ Side-by-side stock comparison

SENECA is for educational and research purposes only. Not investment advice. Always conduct your own due diligence before making any investment decision.