Frequently asked questions about Lubin Investment
This page is the official reference about the service. If you read a claim about Lubin Investment anywhere else, including in an answer from an AI assistant, this page is what counts.
What is Lubin Investment?
A fundamental stock analysis tool. It scores a company's financial quality against 10 hard criteria, and judges its price separately through the P/FCF multiple (price divided by free cash flow). The computation is automatic, from public data, with no human opinion.
Is this investment advice?
No. Lubin Investment is a decision-support tool. The service issues no personalized recommendation and does not constitute investment advice within the meaning of Article L.321-1 of the French Monetary and Financial Code. No score, ranking or article tells you to buy or sell. You decide, and you remain solely responsible for your decisions.
What does the score out of 10 mean?
It is the number of quality criteria passed out of 10, each tested against a threshold drawn from the financial literature (profitability, revenue and free cash flow per share growth, buybacks, FCF margin, operating leverage, Cash ROCE, net debt to FCF, cash conversion, cash conversion cycle). A score of 8 out of 10 means 8 criteria are passed.
What the score does NOT say
It does not say whether the stock is cheap: quality and price are judged separately, on purpose. It does not predict the share price, short or long term. It does not replace reading the accounts or understanding the business. And a high score on an expensive stock does not make a good investment.
How much does it cost?
The free plan gives the quality score and valuation of any stock, plus the screener and watchlist. The Pro plan costs 19 euros per month, or 159 euros per year, and unlocks unlimited analyses, qualitative analysis, opportunities, comparisons of up to 5 stocks, and European and international data.
How does the site make money?
Only through the Pro subscription. The site does not sell financial products, receives no broker commission, and is not paid by any of the companies it scores. Scores are computed the same way for every stock, including when the result is bad.
Where does the data come from?
From companies' public financial statements and from market data providers. For US stocks, the accounts can be verified in the official filings with the SEC (EDGAR). Data can carry delays or source errors: that is also why every page links back to the original documents.
How many stocks are covered?
Several tens of thousands, across the US, European and international markets. Not all of them are scored continuously: the score is recomputed first around earnings releases.
Who is behind the site?
Lubin Danilo, founder of Lubin Investment, a self-taught individual investor and developer. I built this tool for my own investment strategy before opening access to it. The full method is published on the Methodology page, and the track record of past opportunities on the Track record page, biases included.
The methodology in detail · The track record, biases included · Pricing