Score Your Stock checks 22 individual numbers on every company, grouped into 5 pillars. Each one answers one plain-English question, backed by its formula, and a picture of where Strong, Okay, and Weak actually start.
See all of them on a real company1. Business Strength (5 ratios)
Is the business actually good at making money?
For every RM100 you'd have put in, how hard does the company actually make that money work each year?
Formula: Net profit ÷ shareholders' equity × 100
Is the shop pulling in more customers each year, or the same crowd on repeat?
Formula: 3-year annualized revenue growth rate
Sales going up is nice, but is more of it actually turning into real profit, year after year?
Formula: 3-year annualized profit growth rate
Out of every RM100 that walks in the door, how much is left after paying every single bill?
Formula: Net profit ÷ revenue × 100
A fresher check-in: is the business still growing right now, not just in last year's annual report?
Formula: Last 4 quarters' revenue vs. the 4 quarters before that
2. Financial Safety (3 ratios)
Could it survive a bad year without getting into trouble?
How much of the company is actually the owner's own money, vs. money borrowed from the bank?
Formula: Total debt ÷ shareholders' equity
If every bill due this year landed on the desk today, could the company actually pay them all?
Formula: Current assets ÷ current liabilities
How easily does profit cover just the interest on its loans: comfortably, or barely scraping by?
Formula: Operating profit (EBIT) ÷ interest expense
3. Cash & Dividends (5 ratios)
Does owning it actually pay you, reliably?
The size of your yearly "pocket money" from owning the stock, and whether it actually shows up, year after year.
Formula: No single formula: yield %, adjusted for how often dividends were cut over 4 years
Profit is what the accountant says happened. Cash is what's actually sitting in the bank. This checks the real thing.
Formula: No formula: read straight off the cash flow statement, judged on 4-year trend
Cash left over after keeping the lights on and buying new equipment: this is what actually funds your dividend.
Formula: Operating cash flow − capital spending
The company's emergency fund. Growing = breathing room. Shrinking = something to watch.
Formula: No formula: cash trend over 4 years vs. short-term debt
How much of profit gets handed back to shareholders vs. kept in the business. Shown for reference: it doesn't change the score, except for banks and REITs.
Formula: Dividends paid ÷ net profit × 100
4. Price Fairness (3 ratios)
Are you paying a fair price for all of the above?
How many years of today's profit you're paying for, upfront, just to own one share.
Formula: Share price ÷ earnings per share
Are you paying more than what the company would be worth if it sold everything and paid off every debt today?
Formula: Share price ÷ book value per share
Adjusts the price tag for how fast profit is actually growing: a fast grower can "deserve" a higher price.
Formula: P/E ÷ yearly profit growth %
5. Risk (6 ratios)
Is any of this a real pattern, or one lucky year?
4 years of profit: was it a steady climb, or a rollercoaster?
Formula: No formula: counts down-years out of the last 4
Is the company paying down its loans over time, or quietly piling on more?
Formula: 3-year annualized debt growth rate
Is your slice of the pie shrinking because the company keeps printing new shares to raise cash?
Formula: 3-year annualized growth in shares outstanding
Is unsold stock piling up in the warehouse faster than it's actually selling?
Formula: Inventory growth rate − revenue growth rate
Same question as Earnings Consistency, just zoomed into the last 8 quarters instead of 4 years.
Formula: No formula: counts down-quarters out of the last 4 (year-on-year)
Is every ringgit tied up in the business bringing in more sales than before, or is it getting lazier?
Formula: Revenue ÷ total assets, end of the 4 years vs. the start, as % change
The one thing worth remembering
Every ratio above lands in Strong, Okay, or Weak: same idea, everywhere.
No one ratio decides whether a stock is good. There are 22 of them, not 1, because a company can be strong on some and weak on others at the same time.
Want the exact formula or threshold behind any of these? See How Scoring Works.
See it on a real stock
Score out of 100:80+ Strong40-79 Okay0-39 Weak
See every ratio, with real numbers, on a real company
FAQ
22, spread across 5 pillars: Business Strength (5), Financial Safety (3), Cash & Dividends (5), Price Fairness (3), and Risk (6). Every one lands in Strong, Okay, or Weak: no partial credit.
None of them alone: that's the whole point of checking 22 instead of 1. A company can be Strong on growth and Weak on debt at the same time; picking one favourite number just hides whichever fact you didn't check.
Every ratio, every pillar, and the overall score use the same idea: Strong scores 2 points, Okay scores 1, Weak scores 0, no partial credit for landing close to a cutoff.
Banks skip the usual Financial Safety measures: deposits count as "debt" under accounting rules, so a bank's balance sheet looks leveraged by design, not because it's unhealthy. Their Financial Safety uses impaired loans, loan loss coverage and the CET1 capital ratio instead. A few individual ratios (like Inventory vs Sales) also skip companies the measure genuinely doesn't apply to, such as banks and REITs with no inventory.
This page has the formula for every ratio. For exact threshold numbers and bank/REIT exceptions, see the How Scoring Works page.
Score Your Stock runs all 22 of these on all 1,127 Bursa-listed companies, free. See Maybank's full ratio breakdown, with every real number.
This article is educational content, not investment advice. Always do your own research, or speak to a licensed financial adviser, before investing. See About for more on how this site works.