AI · Berkshire Mirror — Fair value
A slow-moving intrinsic anchor per name — earnings power and discounted cash flow, residual income for banks — answering what to pay, never when to trade.
0 unheld undervalued 13 held growth-priced-in 6 bargains ★
| Ticker | Name | Close | FV/sh | Method | MoS | Verdict | Quality | F | Bargain | |
|---|---|---|---|---|---|---|---|---|---|---|
| ALLY H | Ally Financial Inc | 42.07 | 46.06 | ResInc | +9% | UNDERVALUED | 23.0 | 6 | ||
| KR H | Kroger Co | 58.49 | 60.45 | DCF | +3% | UNDERVALUED | 12.5 | 7 | ||
| CB H | Chubb Ltd | 338.25 | 340.98 | ResInc | +1% | UNDERVALUED | 22.0 | 6 | ||
| M H | Macy's Inc | 22.08 | 18.09 | EPV | -22% | FAIR | 6.0 | 7 | ||
| COF H | Capital One Financial Corp | 208.30 | 163.94 | ResInc | -27% | OVERVALUED VS RI | 11.0 | 7 | ||
| JEF | Jefferies Financial Group | 51.96 | 39.96 | ResInc | -30% | OVERVALUED VS RI | 21.0 | 5 | ||
| NVR H | NVR Inc | 6160.76 | 4475.29 | EPV | -38% | GROWTH PRICED IN | 18.0 | 4 | ||
| AXP | American Express Co | 324.69 | 231.00 | ResInc | -41% | OVERVALUED VS RI | 19.0 | 7 | ||
| BAC H | Bank of America Corp | 62.69 | 43.12 | ResInc | -45% | OVERVALUED VS RI | 26.0 | 7 | ||
| OXY | Occidental Petroleum Corp | 61.46 | 39.40 | EPV | -56% | FAIR | 14.0 | 8 | ||
| LEN-B H | Lennar Corp Cl B | 78.27 | 49.64 | EPV | -58% | GROWTH PRICED IN | 27.0 | 4 | ||
| LEN H | Lennar Corp Cl A | 79.60 | 49.64 | EPV | -60% | GROWTH PRICED IN | 28.5 | 4 | ||
| KHC H | Kraft Heinz Co | 24.60 | 15.21 | EPV | -62% | FAIR | 20.0 | 5 | ||
| GOOG H | Alphabet Inc Cl C | 335.45 | 205.38 | EPV | -63% | GROWTH PRICED IN | 7.5 | 5 | ||
| GOOGL H | Alphabet Inc Cl A | 338.50 | 205.38 | EPV | -65% | GROWTH PRICED IN | 9.0 | 5 | ||
| STZ H | Constellation Brands Cl A | 122.45 | 71.58 | EPV | -71% | GROWTH PRICED IN | 15.0 | 7 | ||
| DAL | Delta Air Lines Inc | 79.91 | 45.29 | EPV | -76% | FAIR | 10.0 | 7 | ||
| CVX H | Chevron Corp | 214.06 | 114.61 | EPV | -87% | FAIR | 16.0 | 5 | ||
| MCO H | Moody's Corp | 474.95 | 238.89 | ResInc | -99% | OVERVALUED VS RI | 3.0 | 8 | ||
| NUE H | Nucor Corp | 259.43 | 128.56 | EPV | -102% | GROWTH PRICED IN | 7.5 | 8 | ||
| NYT H | New York Times Co Cl A | 66.88 | 28.01 | EPV | -139% | FAIR | 1.0 | 9 | ||
| SIRI H | Sirius XM Holdings Inc | 29.15 | 10.24 | EPV | -185% | FAIR | 17.0 | 7 | ||
| KO H | Coca-Cola Co | 88.29 | 28.20 | EPV | -213% | GROWTH PRICED IN | 5.0 | 9 | ||
| VRSN H | VeriSign Inc | 292.71 | 88.64 | EPV | -230% | GROWTH PRICED IN | 4.0 | 7 | ||
| AAPL H | Apple Inc | 332.27 | 81.80 | EPV | -306% | GROWTH PRICED IN | 2.0 | 9 | ||
| DVA H | DaVita Inc | 181.55 | 40.63 | EPV | -347% | FAIR | 12.5 | 6 | ||
| LPX | Louisiana-Pacific Corp | 67.29 | 8.16 | EPV | -725% | GROWTH PRICED IN | 28.5 | 5 | ||
| LLYVA H | Liberty Live Group Ser A | 93.98 | -23.49* | EPV | — | n/a · no data | 24.5 | 5 | ||
| LLYVK H | Liberty Live Group Ser C | 97.36 | -23.49* | EPV | — | n/a · no data | 24.5 | 5 |
How to read this table
- Ticker · H
- The exchange symbol; an H pill marks a name this book currently holds.
- Close
- The latest settled market price — what the stock costs today.
- FV/sh (fair value per share)
- Our estimate of what one share is intrinsically worth, from the company's own earnings power and cash flow — a slow-moving anchor refreshed with quarterly results, deliberately independent of the day's price action.
- Method
- How that fair value was computed: EPV (earnings power value — what steady current earnings are worth, assuming no growth), DCF (discounted cash flow — future cash flows brought back to today's dollars), or Bank (residual income — the right framework for banks, whose "cash flow" is not comparable to an industrial's).
- MoS (margin of safety)
- How far the price sits below fair value, as a percentage — the discount you get for buying today. Positive (teal) = priced below fair value; negative (red) = priced above it. The bar makes the size of the gap scannable.
- Verdict
- UNDERVALUED — price below the fair-value anchor. FAIR — above the anchor but still below the growth-inclusive DCF value. GROWTH PRICED IN — the price already assumes the optimistic growth case plays out. OVERVALUED VS RI — a bank trading above its residual-income value. When no verdict applies, the pill says why: n/a · currency — the listing trades in a different currency than the company reports in (typically an ADR: the price is USD per depositary share, the statements aren't), so price and fair value can't honestly be compared and the MoS is withheld (the FV/sh shown* is in the reporting currency); n/a · ETF — a fund holds other assets, so company-earnings frameworks don't apply; n/a · no data — not enough fundamentals to compute a fair value. n/a rows carry no valuation force downstream.
- Quality
- The name's rank within this book on a composite of five quality measures: return on invested capital, gross profitability, free-cash-flow yield, revenue growth, and the F-Score. Earlier letters = higher quality.
- F (Piotroski F-Score)
- A 0–9 checklist of accounting health — profitability, improving balance sheet, operating efficiency. 7–9 is strong; below 4 is a warning.
How valuation is used
Valuation re-ranks and resizes technical buy candidates by a bounded amount and can amplify a signal-based sell — it never originates a trade on its own. A richly priced name that is trending is not a sell case; a cheap one with no signal is not a buy case. n/a rows (ETFs, currency mismatches) carry no valuation force.