investlyk
What the 10-K says. What Wall Street says. The gap between them.
investlyk pairs fundamental analysis from SEC 10-K filings (via restnvest) with analyst price targets and ratings (via Anachart) — so every stock page answers the question professionals ask: what does the business do, what does Wall Street expect, and where do those views agree or diverge?
Latest analysis
Apple: a 3-of-4 business trading above where most analysts think it belongs
Revenue +16.6%. Financial Scorecard 3 of 4 strong. Yet at $306.31, AAPL trades just 3% below its high and above the $299.52 average analyst target — implied downside of about 2%. Coverage: 65% Buy, 29% Hold, 6% Sell. P/E 35.3x.
Costco: a quality compounder with thin profits, down 14%, and modest room to the analyst target
Revenue +21.5%. Financial Scorecard 3 of 4 strong — but Profit Quality is weak. At $946.11, COST is 14% below its high with about 13% upside to the $1,068.79 average target. Coverage: 75% Buy, 25% Hold. P/E 60.7x.
Micron: a 3-of-4 business in an AI memory boom — with the stock now far above every analyst target
Revenue +62.4%. Financial Scorecard 3 of 4 strong. Yet at $1,035.50, MU trades roughly twice the $486 average analyst target and above even the $700 high. Coverage is 94% Buy. P/E 26.8x. The rally has outrun the price targets.
Bank of America at 13x earnings: a near-unanimous Buy panel, and a fundamental scorecard that disagrees
Revenue +8.1%. Earnings +16.6%. Financial Scorecard: 1 of 4 strong. P/E 12.95, Price/Book 1.34. BAC trades 9% below its 52-week high. 19 analysts: 94% Buy, 6% Hold, 0% Sell — average target $60.16 vs current $52.20. Recent visible updates were almost all target raises.
Caterpillar at 45x earnings: a 160% one-year rally, and an analyst panel that keeps raising targets to catch up
Revenue +22.2%. FCF margin 5.3%. ROE 51.3%. Financial Scorecard: 2 of 4 strong. P/E 45.3 — high for an industrial cyclical. CAT trades 2% below its 52-week high. 18 analysts: 62% Buy, 31% Hold, 7% Sell — average target $760.69 vs current $908.55. Implied 'upside' is negative; recent visible updates were almost all big raises.
Disney: a 90% Buy panel, a hit ratio of 58%, and a stock priced 17% below its 52-week high
Revenue +6.5%. Earnings down 31% in the latest quarter. FY 2025 Financial Scorecard: 3 of 4 strong. P/E 16.52, Price/Book 1.65. DIS is 17% below its 52-week high and down 7% over the past year. 19 analysts: 90% Buy, 10% Hold, 0% Sell — average target $133.88 vs current $103.28. Implied upside +29.6%.
GE Vernova: every recent analyst update was a target raise — and the stock has still run past the consensus
Revenue +16.3%. Earnings up sharply post-spinoff. Financial Scorecard: 2 of 4 strong, with Profit Quality flagged Profit Without Cash. P/E 31.5. 12% below the 52-week high. 23 analysts: 82% Buy, 16% Hold, 1% Sell — average target $976.61 vs current $1,038.74. Implied upside: -6%. The catch: the recent visible updates were all big raises.
Adobe: every analyst still rates it Buy or Hold — and almost every recent update was a price target cut
Revenue +12.0%. FCF margin 38.1%. ROE 58.8% (ROA 18.9%). Financial Scorecard: 3 of 4 strong. P/E 14.3 — a decade-low for ADBE. Yet ADBE is 42% below its 52-week high. 25 analysts: 63% Buy, 34% Hold, 4% Sell — average target $364.78 vs current $244.76. The catch: of the visible recent updates, all were cuts.
Walmart: 24-of-25 analysts rate it Buy, the average target is $136 — and the business runs on a 3% margin
Revenue +7.3%. Earnings +18.8%. Financial Scorecard: 2 of 4 strong, with Profit Quality flagged Weak — Walmart runs on a 3.1% profit margin and a 1.0% free cash flow margin. P/E 41.8. 11% below the 52-week high. 27 analysts: 98% Buy, 2% Hold, 0% Sell — average target $136.09 vs current $120.27. Hit ratio 92%, average 566 days to hit.
SoFi: revenue up 42%, stock cut in half, and 70% of analysts on the sidelines
Revenue +42.5% YoY. Earnings +134.4% YoY. Profit margin 14.8%. Yet SOFI trades 52% below its 52-week high, with restnvest flagging only 1 of 4 Financial Scorecard signals strong. 18 analysts: 17% Buy, 70% Hold, 13% Sell. Average target $21.05 vs current $15.69.
UnitedHealth: 85% of analysts say Buy — and restnvest flags 1 of 4 signals strong
Revenue +2.0% YoY. Profit margin 2.68%. Yet UNH has rallied 29.8% over the past year and sits 5% below its 52-week high, with restnvest's Timing scoring 3 of 3 supportive. 26 analysts: 85.29% Buy, 13.73% Hold, 0.98% Sell. Average target $448.17 vs current $383.30.
Oracle: 47% off its high after the AI hype, levered FCF gone negative — and analysts still see 24% upside
ORCL trades at $182.66 — 47% below its 52-week high of $345.72. Revenue +21.7% and 3 of 4 Financial Scorecard signals strong, but levered FCF has turned to −34.8% of revenue under the weight of AI capex. 32 analysts cover the stock — 70% Buy, 30% Hold, 0% Sell — with an average target of $238.62 implying 24% upside.
NVIDIA: the business every analyst loves, at a price that tests conviction
Revenue +65% FY26. Net income $120B. Financial Scorecard 4 of 4 strong. 38 analysts cover NVDA — 96.76% Buy, 0% Sell — with an average target of $270 implying 21.56% upside. Yet the stock sits 6% from its all-time high, P/E at 45.46x, and timing reads 2 of 3 supportive with Stretch flagged as Overheating.
Crocs: the rally has run past the consensus — with earnings down 108% and a Debt Risk flag
At $105.29, CROX trades above the average analyst target of $101.75 — implied upside -3.36%. 12 analysts split 57% Buy, 30% Hold, 13% Sell. Revenue -1.5%. Earnings -108.5%. Restnvest flags Growth: Declining, Profit: Weak, Debt: Risk.
Palantir: strong business, 30% pullback, and the most divided analyst coverage in software
Revenue +56.2%. Earnings up 251.6%. Financial Scorecard: 4 of 4 strong. Yet PLTR is 30% below its 52-week high, trading at 231x earnings, with coverage split: 36% Buy, 48% Hold, 15% Sell. Average analyst target: $182. Current price: $145.89.