TSLA scored 55/100. WMT scored 65/100.

I expected the gap to be larger.

Author

J.L. Bernstein
November 09, 2025

Happy Sunday

I built a tool that reads SEC filings and scores financial health of companies like a credit report. 0-100 scale. Pure fundamentals.

I tested it on Tesla and Walmart. The results surprised me.

TSLA scored 55/100. WMT scored 65/100.

The gap is 10 points.

Here's what it found in their latest 10-Q filings:

Let’s dig in…

Top half gives you the score

Bottom half gives 5 clean bullet points on the most important fundamental insights

Bottom line: Won't go bankrupt, but profitability is collapsing. The growth narrative has cracks this year.

WALMART (65/100) 🟡

✓ $9.4B cash vs $45B debt; generating $18.4B operating cash flow in six months—balance sheet rock solid.

✓ Revenue grew 4.8% YoY to $177.4B in Q2 FY2026—acceleration from 3.7% pace in first half.

⚠ Net margin at 3.96% and positive free cash flow of $6.9B (six months)—profitable but margins thin and under pressure.

✗ Operating income fell 8.2% YoY in Q2 despite 4.8% revenue growth—operating leverage missing, cost pressures evident.

⚠ Valuation elevated at 42.95x price-to-earnings with operating margin declining to 4.1% from 4.7%—leaves little room for execution missteps.

Everyone thinks these are opposite bets. The fundamentals say they're closer than they appear this year.

The market prices $TSLA like speculation and $WMT like safety. But both are experiencing margin compression, both have deteriorating momentum, and both scored in the 50-65 range.

That gap—between what everyone believes and what the filings actually say—is where money gets made or lost.

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What Can Be Done With This Tool

Before markets open Monday:

Scan your entire portfolio in 5 minutes — Run reports on all 10-15 holdings, identify risks

Want to enter a trade? — Run the company ticker through this report, figure out if they have toxic dilution or insiders are dumping etc.

Stop flying blind on "safe" stocks — How many of your dividend plays are actually scoring 55-65 like WMT? Find out before the dividend could get cut.

Spot mispriced opportunities — Find 70+ scores trading at 52-week lows. Strong fundamentals + weak price = opportunity.

How It Works

It uses AI to search SEC filings (10-Q, 10-K) on the SEC’s EDGAR filing system and current market data, then scores companies 0-100 based on:

Financial strength • Profitability • Growth • Fundamental Momentum

Takes 55-65 seconds and shows completion in 2 steps. 

1. The AI extracts financials from filings, pulls market data.

2. Generates a scored report showing exactly what the numbers say based on the filings.

No reading hundreds of pages. No accounting degree needed. Just the fundamentals in plain English.

shows you the SEC filing sources its pulling from so you can check yourself.

Get Access

$11.89/month:

  • Unlimited fundamental research reports

  • Market Health Dashboard (S&P 500 breadth indicators)

  • Sentiment tracker (launching next month)

315 subscribers upgraded when I launched the Market Health Dashboard. Now they have both tools and run reports daily.

This gives you a quick breakdown of the fundamentals in 50 seconds. Then you decide what to do with the information.

-John

P.S. Price goes to $29/month Monday night if you are not locked in at 11.89

Early dashboard subscribers locked in $8.89 pricing they're still paying that. Lock in $11 now, keep it forever. Cancel anytime.

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