Our Methodology

Transparency in how we analyze your investments.

Portfolio Risk Analysis

  • We use Herfindahl-Hirschman Index (HHI) to measure portfolio concentration across individual stocks, sectors, and market caps.
  • Crash simulation uses historical drawdown data from NSE/BSE combined with correlation analysis to model worst-case scenarios.
  • Red flags are identified using a multi-factor scoring model that evaluates governance, earnings quality, debt levels, and promoter pledging.

Concall AI Analysis

  • Conference call transcripts are processed using large language models fine-tuned for financial text analysis.
  • Management tone is assessed using sentiment analysis calibrated on 10,000+ Indian company earnings calls.
  • Promise tracking cross-references guidance given in previous quarters against actual reported numbers to build a credibility score.
  • Red flags in concalls include evasive language patterns, guidance downgrades, auditor concerns, and related-party transaction disclosures.

Risk Scoring

  • Overall scores are composite metrics combining quantitative factors (valuation, growth, profitability) with qualitative signals (management quality, governance).
  • Scores are on a 1-10 scale where 7+ indicates strong fundamentals, 5-7 is neutral, and below 5 warrants caution.
  • All scores are relative to sector peers and adjusted for market cap category.

Data Sources

  • Financial data sourced from NSE/BSE official filings and exchange data feeds.
  • Conference call transcripts from company investor relations pages and exchange filings.
  • Portfolio data imported via Account Aggregator framework (read-only) or user-uploaded CSV files.
  • All data is refreshed daily for fundamentals and in real-time for portfolio analytics.

Disclaimer: inve.money provides AI-powered analysis for informational purposes only. This is not financial advice. Always consult a SEBI-registered investment advisor before making investment decisions.