# How Scoring Works

Every stock gets a 0–100 score from 5 equal-weight pillars: Business Strength, Financial Safety, Cash & Dividends, Price Fairness, and Risk — the same rules shown below.

This score evaluates financial performance, not brand strength, management quality, or competitive advantage.

## FAQ

### How does a pillar earn its score?

Every measure inside a pillar lands in one of three bands — Strong, Okay, or Weak. No partial credit. Strong = 2 points, Okay = 1, Weak = 0. A measure marked N/A is skipped and doesn't count either way. A pillar, or the overall score, reads Strong at 63+, Okay 32–62, Weak below 32.

### How is the overall score calculated?

The overall score is the plain average of the 5 pillar scores — 4 for banks, since Financial Safety doesn't apply to them (see below). A pillar with fewer than 2 usable measures is dropped and shown greyed instead of scored unfairly. Fewer than 4 usable pillars (3 for banks) → no number, just an "insufficient data" badge.

### What's the difference between N/A and Weak?

N/A — Skipped — the data wasn't available, or the measure doesn't apply to this company's sector (a bank's current ratio, for example). Not held against the company. Weak — Calculated, and came out poorly — including a loss or negative equity, which scores an automatic Weak rather than N/A. A warning sign worth seeing, not a data gap to hide.

### How are banks scored?

Banks run on customer deposits, which count as "debt" in the usual formulas — so these measures would be misleading if scored the normal way: Bank safety is instead watched by Bank Negara Malaysia.

### How are REITs scored differently?

REITs (property trusts) must distribute most of their income, run thin cash balances, and borrow against property differently from ordinary companies — so these measures use REIT-specific thresholds:

### What is the spike guard?

A one-off gain — a property sale, an insurance payout, a disposal — can make a single year's profit look spectacular without being repeatable. So these measures are capped at Okay, never Strong, when profit spikes or a loss year appears in the window: The cap only pulls a Strong down to Okay — a genuinely Weak measure still stays Weak.

### How are down-years counted?

Earnings Consistency and Dividend Quality check reliability the same way, over the same 4-year window (below). A dividend that was stopped, or never paid at all, is also a hard Weak.

### Why do the quarterly measures work differently?

Yearly reports can be up to a year old, so two measures use the freshest results instead: Quarterly Momentum (Business Strength) and Quarterly Consistency (Risk) — the newest 8 quarters, shown below. Deliberate: comparing four quarters against four means every season appears once on each side, so a seasonal business isn't judged on which part of the year it happens to fall in — unlike comparing one quarter to the one right before it. Both need 8 quarters IN A ROW — a gap marks them N/A rather than measuring a window with a hole in it. About 1 stock in 5 today.

### What are the Warnings on a stock page?

A stock's page may show Warnings — patterns worth a second look. They don't change the score or any pillar; just a nudge to read further.

## Disclaimer

Data is refreshed periodically, not live — each stock page shows when its market snapshot (price, 52-week range, market cap) was captured, and the score itself uses the most recent annual filings available at that time. This is an educational tool, not investment advice or a recommendation to buy or sell. Always do your own research, or speak to a licensed financial adviser, before investing.

Full page with every numeric threshold, pictures, and a worked example: https://scoreyourstock.com/how