Available Now on iOS

Value investing.
From ticker to
conviction in minutes.

Institutional Grade Value Investing, made simple.

For self-directed investors who want to think like Buffett — not trade like a hedge fund.

Moatly™ is built around the 4M framework — Meaning, MOAT, Management, and Margin of Safety. Data-first. Framework-driven. No hot takes. One consistent process for every stock, every time — backed by AI that delivers custom insights on your specific watchlist, not generic market noise.

✦ AI That Knows Your Portfolio
🏰 Meaning, Moat, Management & Margin of Safety
📊 Your Calculated Value Price
🎓 MoatlyAI Tutor
💡 Daily Insights
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Now available on iPhone
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4M
One consistent framework — every stock, every time. No more guessing which method to use
10min
From ticker to full conviction — no spreadsheets, no data-hunting, no paralysis
3-in-1
Valuation, MOAT strength, and Management quality — all scored automatically
AI
Custom insights grounded in your watchlist — not generic advice, not headlines

The Framework

Four questions. Every stock.
One framework.

Most investing apps give you data and leave you to figure out what it means. Moatly gives you a framework — four questions every serious investor must answer before committing a dollar, quantified and scored for every stock you search.

Moatly's 4M framework — Meaning, Moat, Management, and Margin of Safety — each feeding into MoatlyAI for grounded, context-aware analysis.
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01 — Meaning

Do you truly understand this business? Moatly quantifies your fit using your Circle of Competence and a five-question Conviction Check — producing a Meaning score that's unique to you. Same stock, two investors, completely different scores. Because the best investment is the one you'll hold without flinching.

📋 Circle of Competence + Conviction Check
Meaning score — Circle of Competence
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02 — MOAT

Does this business have a durable competitive advantage? Moatly scores it using the Big Five growth metrics — revenue, earnings, equity, operating cash, and free cash flow — compounded across 1, 3, 5, 7, and 10 year windows. No analyst opinions. Just the math of whether this business is widening the gap.

📊 Big Five Compounded Growth Rates
MOAT score — Big Five CGR heatmap
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03 — Management

Is leadership genuinely owner-oriented? Moatly scores ROE, ROIC, ROA, debt discipline, and the proprietary MER Score — measuring how effectively management deploys your capital. Great businesses are routinely destroyed by poor stewards. Know which kind you're dealing with.

📈 ROIC, MER Score & Debt Discipline
Management score — Rate of Returns
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04 — Margin of Safety

Is today's price meaningfully below what this business is actually worth? Moatly calculates your fair value estimate using three independent valuation methods. Know the math. Make your own call. The margin of safety is your protection when you're wrong — even about a great business.

💰 Three Independent Valuation Methods
Margin of Safety — three valuation prices

Discovery

You shouldn't need a ticker
to find a company.

Every other app assumes you already know what you're looking for. Moatly scores the whole universe every night and lets you walk in from any direction — the companies trading below their value price, the ones with a genuinely wide moat, or the handful that pass every test at once.

Moatly's Discover tab showing popular companies with MOAT, Management and Margin of Safety scores, and a card explaining that Apple scores 100 for management and 13 for margin of safety.
Start with companies you already have an opinion about — then see what the framework makes of them.
Discover's ways in: In the Value Zone, Passes every test, Wide moat, Well managed, Can't be scored, plus browse by sector.
Five ways in, and eleven sectors. Every count is live, not marketing.
The In the Value Zone list, sorted by discount, showing each company's current price against its value price.
Sorted by how far below its own value price each business trades.
The Passes every test list: fifteen companies filtered to MOAT 80+, Management 80+ and Margin of Safety 50+, each showing all three scores.
A wide moat, strong management and a real margin of safety — cleared all at once.

Investor Activity

See what great investors own.
Then do your own work.

Ninety-four tracked investors, straight from their 13F filings — scored against the same framework as everything else. Not tips. A starting point.

Investor activity for Microsoft: 40 holders, 3 new, 17 added, 18 trimmed, and a card explaining the price already assumes 14.4% annual growth.
Bill Ackman's Pershing Square holdings with position weights, MOAT scores and the annual growth each position's price requires.

The App

What used to take 4 hours.
Now takes 10 minutes.

Type a ticker. Moatly instantly loads live data, calculates all four scores, and surfaces AI analysis — everything a professional analyst would spend hours on, ready in seconds. You spend your time making decisions, not gathering data.

📡

Automatic Data. Zero Spreadsheets.

EPS, FCF, growth rates, balance sheet ratios — loaded and scored instantly. No spreadsheets, no data-hunting across five tabs. Clean, consistent numbers every time.

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Three Valuation Methods, One Fair Value Estimate

Intrinsic Value, 10-CAP, and Payback Time cross-check each other — so no single assumption breaks your analysis. Adjust any input and every number updates instantly.

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Your Meaning Score — Uniquely Yours

Your Circle of Competence plus a five-question Conviction Check. Stay in your lane. Ignore the noise. The best investment is the one YOU understand — not the one everyone's talking about.

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Watchlist & Value Zone Alerts

Track every business you care about. Get alerted the moment price meets value — so you never miss your entry or invest too early out of impatience.

MEANING
88/100
✓ Strong Conviction
MOAT Score
85/100
↑ Wide Competitive Moat