# Fundamental Analysis and Valuation — fintech-algorithms

> 52 algorithms in 6 families, sliced out of the
> fintech-algorithms reference. Zero-dependency TypeScript: plain arrays and objects in,
> plain values out. This file covers D18 only.

D18 · 52 topics · 6 families · 52 verified
Install: npm install fintech-algorithms
Agent skill (install it rather than re-deriving this file): npx skills add IslamBaraka90/Fintech-Algorithms-Library
  what it is: https://docs.thefintechbuilder.com/guides/agent-skill/
Source: fintech-algorithms@0.13.0 · payload schema 2.0.0
What changed in each release: https://docs.thefintechbuilder.com/changelog/
Reference payload: https://docs.thefintechbuilder.com/reference/payload.json
Version endpoint: https://docs.thefintechbuilder.com/version.json
Domain page: https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/
Full index (675 topics across 17 domains): https://docs.thefintechbuilder.com/llms.txt

Verification tiers:
- verified — the worked example is the figure published in the algorithm's article, replayed
  and asserted by the test suite on every run. The arithmetic cannot drift without the build
  failing. Treat the numbers as reproducible.
- contract — the module loads, the entry point is callable and its declared signature matches
  the compiled code. The example is real captured output, but no independently published
  figure asserts it. Treat the shape as reliable and the numbers as unattested.
Full explanation: https://docs.thefintechbuilder.com/guides/verification/

Each entry: name — signature — archetype — verification tier — docs URL
From the docs URL, mechanically:
  import subpath — swap the https://docs.thefintechbuilder.com/ prefix for fintech-algorithms/ and drop the trailing slash
  markdown page  — append index.md; same contract as the HTML page, a fraction of the bytes

## D18-F01 — Statement Ratios
https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/statement-ratios/

- DuPont Decomposition — `dupontDecomposition(input)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/statement-ratios/dupont-decomposition/
- ROIC Calculation — `roicCalculation(input)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/statement-ratios/roic-calculation/
- Cash Conversion Cycle — `cashConversionCycle(input)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/statement-ratios/cash-conversion-cycle/
- Interest-Coverage Ratio — `interestCoverageRatio(input)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/statement-ratios/interest-coverage-ratio/
- Net-Debt/EBITDA — `netDebtToEbitda(input)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/statement-ratios/net-debt-ebitda/
- Common-Size Statements — `commonSizeStatements(input)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/statement-ratios/common-size-statements/

## D18-F02 — Intrinsic Valuation
https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/intrinsic-valuation/

- Free-Cash-Flow DCF — `freeCashFlowDcf(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/intrinsic-valuation/free-cash-flow-dcf/
- Dividend Discount Model — `dividendDiscountModel(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/intrinsic-valuation/dividend-discount-model/
- Gordon Growth Model — `gordonGrowthModel(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/intrinsic-valuation/gordon-growth-model/
- Residual-Income Model — `residualIncomeModel(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/intrinsic-valuation/residual-income-model/
- Economic Value Added — `economicValueAdded(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/intrinsic-valuation/economic-value-added/

## D18-F03 — Relative Valuation
https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/relative-valuation/

- P/E Comparable Valuation — `pEComparableValuation(rawInputs)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/relative-valuation/p-e-comparable-valuation/
- EV/EBITDA Comparable Valuation — `evEbitdaComparableValuation(rawInputs)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/relative-valuation/ev-ebitda-comparable-valuation/
- Price-to-Book Valuation — `priceToBookValuation(rawInputs)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/relative-valuation/price-to-book-valuation/
- PEG Ratio — `pegRatio(rawInputs)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/relative-valuation/peg-ratio/
- Peer-Multiple Regression — `peerMultipleRegression(rawInputs)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/relative-valuation/peer-multiple-regression/

## D18-F04 — Quality and Distress
https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/quality-and-distress/

- Altman Z-Score — `altmanZScore(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/quality-and-distress/altman-z-score/
- Piotroski F-Score — `piotroskiFScore(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/quality-and-distress/piotroski-f-score/
- Beneish M-Score — `beneishMScore(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/quality-and-distress/beneish-m-score/
- Sloan Accrual Measure — `sloanAccrualMeasure(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/quality-and-distress/sloan-accrual-measure/
- Ohlson O-Score — `ohlsonOScore(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/quality-and-distress/ohlson-o-score/
- Zmijewski X-Score — `zmijewskiXScore(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/quality-and-distress/zmijewski-x-score/
- Springate S-Score — `springateSScore(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/quality-and-distress/springate-s-score/
- Taffler Z-Score — `tafflerZScore(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/quality-and-distress/taffler-z-score/
- Fulmer H-Score — `fulmerHScore(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/quality-and-distress/fulmer-h-score/
- Grover G-Score — `groverGScore(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/quality-and-distress/grover-g-score/
- Dechow F-Score for Misstatement Risk — `dechowFScoreForMisstatementRisk(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/quality-and-distress/dechow-f-score-for-misstatement-risk/
- Dechow-Dichev Accrual Quality — `dechowDichevAccrualQuality(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/quality-and-distress/dechow-dichev-accrual-quality/
- Modified Jones Discretionary Accrual Model — `modifiedJonesDiscretionaryAccrualModel(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/quality-and-distress/modified-jones-discretionary-accrual-model/

## D18-F09 — Integrated Equity Scoring
https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/integrated-equity-scoring/

- Point-in-Time Stock-Scoring Input Assembly — `pointInTimeStockScoringInputAssembly(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/integrated-equity-scoring/point-in-time-stock-scoring-input-assembly/
- Stock-Scoring Peer Cohort Resolver — `stockScoringPeerCohortResolver(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/integrated-equity-scoring/stock-scoring-peer-cohort-resolver/
- Fundamental Metric Direction and Peer Normalization — `fundamentalMetricDirectionAndPeerNormalization(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/integrated-equity-scoring/fundamental-metric-direction-and-peer-normalization/
- Model Applicability and Variant Router — `modelApplicabilityAndVariantRouter(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/integrated-equity-scoring/model-applicability-and-variant-router/
- Accounting Financial-Health Composite — `accountingFinancialHealthComposite(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/integrated-equity-scoring/accounting-financial-health-composite/
- Earnings-Quality Composite — `earningsQualityComposite(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/integrated-equity-scoring/earnings-quality-composite/
- Dividend Safety Score — `dividendSafetyScore(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/integrated-equity-scoring/dividend-safety-score/
- Balance-Sheet Resilience Score — `balanceSheetResilienceScore(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/integrated-equity-scoring/balance-sheet-resilience-score/
- Distress-Model Ensemble — `distressModelEnsemble(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/integrated-equity-scoring/distress-model-ensemble/
- Cross-Model Conflict and Double-Counting Resolver — `crossModelConflictAndDoubleCountingResolver(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/integrated-equity-scoring/cross-model-conflict-and-double-counting-resolver/
- Overall Explainable Stock Score — `overallExplainableStockScore(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/integrated-equity-scoring/overall-explainable-stock-score/
- Score Confidence, Missing-Data Penalty, and Abstention — `scoreConfidenceMissingDataPenaltyAndAbstention(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/integrated-equity-scoring/score-confidence-missing-data-penalty-and-abstention/
- Market-Wide Stock Screening and Ranking — `marketWideStockScreeningAndRanking(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/integrated-equity-scoring/market-wide-stock-screening-and-ranking/
- Stock Score History, Migration, and Change Attribution — `stockScoreHistoryMigrationAndChangeAttribution(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/integrated-equity-scoring/stock-score-history-migration-and-change-attribution/

## D18-F10 — Sector-Specific Equity Scoring
https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/sector-specific-equity-scoring/

- Bank Fundamental Score — `bankFundamentalScore(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/sector-specific-equity-scoring/bank-fundamental-score/
- Insurance Fundamental Score — `insuranceFundamentalScore(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/sector-specific-equity-scoring/insurance-fundamental-score/
- REIT Fundamental Score — `reitFundamentalScore(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/sector-specific-equity-scoring/reit-fundamental-score/
- Utility Fundamental Score — `utilityFundamentalScore(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/sector-specific-equity-scoring/utility-fundamental-score/
- Early-Stage Liquidity and Runway Score — `earlyStageLiquidityAndRunwayScore(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/sector-specific-equity-scoring/early-stage-liquidity-and-runway-score/
- Cyclical and Commodity-Cycle Normalization — `cyclicalAndCommodityCycleNormalization(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/sector-specific-equity-scoring/cyclical-and-commodity-cycle-normalization/
- Holding-Company Look-Through Score — `holdingCompanyLookThroughScore(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/sector-specific-equity-scoring/holding-company-look-through-score/
- Sector-Specific Weight Calibration — `sectorSpecificWeightCalibration(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/sector-specific-equity-scoring/sector-specific-weight-calibration/
- Unsupported-Scope and Coverage Decision — `unsupportedScopeAndCoverageDecision(data)` — record-transform — verified — https://docs.thefintechbuilder.com/fundamental-analysis-and-valuation/sector-specific-equity-scoring/unsupported-scope-and-coverage-decision/