Moatly.

Invest with conviction, not guesswork. Moatly scores every stock on Moat, Management & Margin of Safety, alerts you at its buy zone, and MoatlyAI mentors your every move.

Most investors know what to buy. Few know why. Moatly fixes that. Created by a value investor for value investors.

Built around the time-tested Moatly Valuation Framework — Meaning, MOAT, Management, and Margin of Safety — Moatly turns hours of financial research into a 1-click conviction score for any stock you search. No spreadsheets. No guesswork. No more buying on hope.

THE MOATLY VALUATION FRAMEWORK:

MEANING — Do you actually understand this business? Moatly quantifies your fit using your Circle of Competence and a five-question Conviction Check. The best investment is the one you'll hold without flinching.

MOAT — Does this business have a durable competitive advantage? Scored using key growth metrics — revenue, earnings, equity, operating cash flow, and free cash flow — across 10 years. No analyst opinions. Just the math.

MANAGEMENT — Is leadership genuinely owner-oriented? Moatly scores ROE, ROIC, ROA, debt discipline, and a proprietary MER Score. Great businesses are routinely destroyed by poor stewards. Know which kind you're dealing with.

MARGIN OF SAFETY — Is today's price below what this business is actually worth? Three independent valuation methods — Intrinsic Value based Margin of Safety, 10-CAP, and Payback Time. Know the math. Make your own call.

MOATLYAI — YOUR PERSONAL MENTOR & ANALYST: MoatlyAI gives you answers grounded in your watchlist, your scores, and real fundamentals — designed to avoid generic answers.

• MOAT deep analysis: moat type, durability, and risk signals
• Management assessment: capital allocation track record and red flags
• Valuation context: what you must believe for the numbers to hold
• Daily insight: a personalized observation on your watchlist every morning
• Investing mentor/tutor: ask anything, get answers tied to your actual stocks, bounce ideas, play rebuttals, and validate assumptions. Be a better investor.

WHY MOATLY IS DIFFERENT: Every other investing app gives you more data and leaves you to figure out what it means. More charts. More noise. More paralysis. Moatly gives you a framework and a custom AI model that is ingrained into the logic to provide best responses — four questions every serious investor must answer before committing a dollar. Consistently. Every time.

FEATURES:

• Automatic financial data — EPS, FCF, growth rates, etc. loaded instantly
• Personalized Meaning score based on your Circle of Competence
• Stock ideas to research based on your Circle of Competence
• Unlimited Watchlist with value zone alerts
• Scenario testing — adjust any input, see results instantly
• Earnings calendar for your Watchlist stocks
• Unlimited AI mentor/tutor conversations

SUBSCRIPTIONS:

• Moatly Investor — $14.99/month The complete Moatly Valuation Framework for every stock you analyze.

• Moatly Investor + AI — $24.99/month Everything in Investor, plus MoatlyAI — your personal mentor & analyst.

Both plans are auto-renewable monthly subscriptions and include a free first month — no charge until your trial ends. Payment is charged to your Apple ID at confirmation of purchase. Your subscription renews automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple ID subscription settings.

Terms of Use (EULA): https://getmoatly.com/terms.html Privacy Policy: https://getmoatly.com/privacy.html

DISCLAIMER: Moatly is an analytical and educational tool provided by Moatly LLC, which is not a registered investment adviser or broker-dealer. Nothing in the app constitutes investment, financial, legal, or tax advice, or a recommendation to buy, sell, or hold any security. All scores, valuations, and projections are estimates based on available data, may contain errors, and are not guarantees of future results. MoatlyAI responses are AI-generated and may be inaccurate or incomplete. Always conduct your own due diligence, and consider consulting a licensed financial professional before making investment decisions.