Free Portfolio Checkup: Is Your Stock Portfolio Healthy?

What this portfolio checkup does

You own a few stocks. Maybe a friend tipped one. Maybe you bought a name you know. Now you wonder: is this a good mix, or a mess?

This checkup gives you a plain answer in seconds. Type your stocks, or upload the file your broker lets you download. You see:

• The verdict first. How many things are worth a closer look, in one line.
• What stands out. Serious warning signs, one stock or one industry that is too big a part of your money, companies that owe a lot, and stocks that look expensive.
• Each stock on its own. How it does on our two tests, its warning signs, and your gain or loss if you tell us what you paid.
• Similar companies that pass both tests. For a stock that doesn't pass, we show companies in the same industry that do.

It is free. You don't need an account to run it.

How to use it

Type one stock per line. Start with the ticker. A ticker is the short code for a stock, like AAPL for Apple. Then add the number of shares and the price you paid for each share, if you know them.

AAPL 10 150
KO 25
NVDA

Shares and price are optional. With tickers alone, we count each company the same. With shares, we can tell you how much of your money sits in each one.

You can also upload a CSV file. A CSV is a simple spreadsheet file. Most brokers let you download your positions as one. We read files from Robinhood, Fidelity, Schwab, Vanguard, E*TRADE, Interactive Brokers, Trading 212 and eToro, and most others with a column called Symbol or Ticker.

The checkup takes up to 50 stocks at a time.

Your file stays on your computer

We read the CSV inside your browser. The file itself is never sent to us. We only send the tickers, the number of shares and the price paid, so we can look them up. We don't keep them.

If you want to keep your stocks, press "Save to my portfolio". That needs a free account. Your portfolio page then shows the same checks, updated every night.

What we check

Every check uses data we already have on each company. We update it every night.

1. Serious warning signs. We read each company's yearly report to the SEC, the US stock regulator. We look for problems the company had to admit. One is doubt it can keep going. Another is weak checks on its own accounts.
2. One stock that is too big. If one company is more than a quarter (25%) of your money, one bad year for it can hurt your whole portfolio.
3. One industry that is too big. If one industry is more than 40% of your money, a bad year for that industry hits a big part of what you own.
4. Heavy debt. We flag a company that owes more than $200 for every $100 its business is worth on its books. Banks and insurers are left out, because borrowing is their business.
5. High price. Our price test compares the share price with the profit and cash the business makes. A low score means you pay a lot for each dollar it earns.
6. Our list. We say which of your stocks pass both our tests tonight. That means a good business at a fair price.

How to read the result

Start with the first line. It is the verdict.

• "2 things worth a closer look": read the lines under it. Each one names the stock and the reason.
• "No big problems, from what we check": none of the checks above found a problem. That is good, but it is not a promise. We don't check everything.
• "Not fully checked yet": we haven't read that company's report yet. We never say "no problems" for a company we couldn't check.

Each stock's link opens its own page, with the full price check and quality check.

What the checkup can't tell you

• It doesn't know your plans. A stock that is fine for someone with 30 years to wait may not suit someone who needs the money next year.
• It looks at stocks only. Funds, options, bonds and crypto are left out. We tell you when we leave something out.
• It can't see the future. It shows what the numbers say today.
• It never says buy or sell. It tells you where to look. This is not advice.

Questions

Is it really free? Yes. There's no account and no fee to run it. There is a limit on checks per minute to stop robots.

Do you store my portfolio? No. We check it and forget it. If you press "Save to my portfolio" before you have an account, your stocks are kept in your browser until you sign up (for up to an hour). We only keep them on our side once you sign in and save them.

Why is a stock missing from my result? We only cover shares in US-listed companies. A fund, or a ticker we can't find, is listed under the report so you can check the spelling.

Why don't you show how much of my money is in each stock? We need the number of shares for that, and a price for every stock. Without them we count each company the same, and we say so.

My broker's file didn't work. What now? Copy the ticker and shares columns and paste them in the box instead. One stock per line usually works.

The next step

A checkup shows what stands out. It doesn't tell you what a business is worth. For that, open any stock's page and read the price check and the quality checks.

Looking for stocks to check first? Start with today's list of undervalued stocks. To dig into one company's filings, try the free red flag scanner.