Returnolio

Everyone has the data. Almost nobody does the work.

We run a deep financial analysis on close to a thousand of the world's companies: quality, real economic profit, price. Then we publish the reasoning behind every number. One tool instead of the four you're paying for now.

Price is what you pay. Value is what you get.
Warren Buffett

That gap, between what a company is worth and what the market charges for it, is the whole job. Our model exists to measure it.

Why Returnolio

One tool, instead of the four tabs you have open right now.

How it works

See how Returnolio works.

The whole product in 16 minutes: how we go from the whole market to ten, and what each part of the app does for you.

How we think.

What every company runs through

Quality

Durable brands, efficient capital, steady returns. Businesses that still compound a decade from now.

Economic Profit (RTEP)

We charge earnings for the full cost of capital, R&D treated as the asset it is. What's left is value actually created, not just booked.

Value (Margin of Safety)

Price is what protects you when you're wrong. We only get interested when it sits a real margin below our fair-value estimate.

Momentum

Cheap and good can sit dead for years. Momentum shows whether the market is starting to agree, measured against risk. It sits on every page, right beside the fundamentals.

Smart Money

What insiders and well-known investors are doing, right next to each name. A different question from the fundamentals, asked on a different clock.

Moonshot Detected

The momentum picks inside the monthly Top 10: companies riding visible market strength, included when conditions are favorable, and always badged.

News & macro

A strong company in a deteriorating setup is still a problem. We watch the news flow and the macro backdrop so nothing blindsides the analysis.

The human gate

Manual review

The last word is human. We read the filings and listen to the earnings calls before any name earns a place in the Top 10.

“These pillars together give us the full picture. A company might have strong fundamentals but no margin of safety. Or a great economic profit story but failing momentum. We put it all together, so you can too.”

Yes, we use AI.

It reads the filings and writes the words. It never touches the score.

It reads the filings.

973 companies, every filing, every quarter.

It listens to the calls.

Every earnings call, transcribed and recapped.

The earnings calls panel on a company page: quarter tabs, an audio player and a link to the full transcript.

It writes the summary.

From the headlines and the numbers, dated.

The AI summary panel on a company page: headline, score breakdown, valuation and strengths, each a short paragraph.

It answers in your chat.

Your own assistant, reading our live data.

A chat: the question how Apple scores, two tool chips, and an answer with the pillar figures.

It never votes.

The score is arithmetic on filed data.

The score history chart: composite and pillar lines over two years.

A person publishes.

Every edition is read before it goes out.

The Top 10 edition card in the app: the month, the write-up, an audio player and the report download.

One example: where the price really sits.

Returnolio historical valuation screen: price against two fair-value models, with the revenue-growth strip below
1

The price

The black line is what the market charges for the company over the years.

2

Our fair-value lines

Two independent models, one industry-relative and one historical, so a single quirky input can't swing the verdict. Hover any point in the app for the exact numbers.

3

The margin of safety

Price far above the zone reads expensive. Price below it is the discount you buy at, and we publish the assumptions behind it.

4

The growth check

The strip below tracks revenue growth against the industry median. Growth names get judged on growth drivers, value names on steady cash, never one ruler for both.

Bring your own AI

Ask your own AI. Get our data, not its memory.

MCP is the plug. Your assistant uses it to read Returnolio live, instead of guessing from what it remembers.

  • Claude
  • ChatGPT
  • Claude Code
  • + any MCP client
  • search_tickers
  • get_stock_score

Apple scores 56.2 out of 100. Earnings power leads at 88.5: it earns well above its full cost of capital. Quality is 59.9, momentum 79.1. The price is what holds the headline back: at the bottom of the value scale, no discount left.

Open Apple's full analysis in Returnolio

Information only, not investment advice. Figures as of 12 September 2026.

How does Apple score on your pillars?

Join nowSet it up in about a minute, guide in the docs

Scripted examples with real figures as of 12 September 2026. The connection is read-only: it can never trade or change your account. Your AI reads real data but can still misread it, and nothing it says is investment advice.

Pricing

Pick the depth you need.

Start free and upgrade only when it earns it.

Founding prices. They will not stay this low.

Free

For first-timers kicking the tyres - all the macro and market data, and a taste of the research.

$0

Free forever

  • Connect Claude or ChatGPT (MCP taster)
  • 1 full stock analysis / month
  • Top 10 archive, two editions back

Core

For readers who want the monthly research written up for them, without doing their own screening.

$9/ mo

billed yearly, save 36%plus VAT or sales tax for your country

  • Everything in Free
  • Current Top 10, narrated, the day it drops
  • Our disclosed positions, plus 5 analyses a month

Analyst

For hands-on investors who run their own deep analysis on any stock in the universe.

$24/ mo

billed yearly, save 20%plus VAT or sales tax for your country

  • Everything in Core
  • Screener (top 200 rows), compare, 30 analyses / month
  • Smart-money tracking and alerts on every company you follow
Most popular

Pro

For power users who want everything uncapped, with priority alerts - no monthly analysis limits.

$39/ mo

billed yearly, save 13%plus VAT or sales tax for your country

  • Everything in Analyst
  • Unlimited analyses + priority alerts on everything you follow
  • AI portfolio insights on everything you own

Want the exact limits? See every plan side by side

FeatureFreeCoreAnalystPro
Monthly Top 10 & position disclosure
Monthly Top 10 write-ups, narration and report PDF2 editions behind
Our disclosed positions & their history2 editions behind
Macro & market data (free for everyone)
Market Overview (global heatmap, sectors)
Geopolitical threats map
Commodities, forex & crypto prices
AI market summary (daily briefing)
Economic calendar & events
Deep analysis & screener
Full stock analysis / month (RTEP fair value, valuation, sentiment, analyst, geo revenue, AI summary)1530Unlimited
Stock screener (Universe) rows–25200Unlimited
Compare tool–3 tickers3 tickers5 tickers
Watchlist tickers525100Unlimited
Alerts & follows
Follows: companies, investors, IPOs & events1310Unlimited
Top 10 & Moonshot alerts
Smart-money alerts (insiders, 13F, political)––5Unlimited
Our position disclosures (with each edition)–––
Daily / weekly email digest
Portfolio
My Portfolio (manual tracking)–
AI portfolio insights–
AI connection (MCP)
Connect your AI via MCP (Claude, ChatGPT; read-only)Taster allowanceStarter weekly allowance4x CoreUnlimited
What your AI can reach through MCPFree-tier data onlyEverything your plan includesEverything your plan includesEverything your plan includes
Support
Email supportPriority queue

Cancel in one click, anytime. No lock-in, no dark patterns.

Proof, not promises

Why it's worth the money.

Backtest · 2013 to 2026 · point-in-time

We tested the method on thirteen years of point-in-time data.

Before a single live pound went in, we ran the model across 2013 to September 2026 using only the data that existed on each date. Every earnings figure is dated to the day it actually reached the SEC, not the quarter it covers. The published list adds one thing the test does not have: a person who reads every name before it goes out.

0 yrs
tested, point-in-time
0
filing dates pulled from EDGAR
0
manual overrides

Point-in-time

Scored with only the data that existed then.

Sealed hold-out

2022 onward stayed locked. Read once, at the end.

Full record

Every year is published, year by year, with its measurement date.

Plain rules

Bought at equal weight, reviewed monthly, no borrowed money.

Backtested results, not live returns, and no guarantee of future performance.

The fine print

A retrospective backtest on real historical data, net of modelled costs (20 bps round trip), dividends excluded on both sides, the book reset to equal weight at every monthly review. Single years are noisy; the model finished ahead in nine of the thirteen, and all 114 five-year stretches finished ahead. No capital was invested during the test period. Measured on 9 October 2026 on the data as it stood that day; the methodology doc gives the record in full, with its measurement date.

Read how we tested it
Returnolio Top 10 +2,291%50/50 S&P 500 / Nasdaq-100 +682%S&P 500 +420%

Backtest 2013 to September 2026, log scale: Returnolio Top 10, +2,291% cumulative, vs a 50/50 S&P 500 / Nasdaq-100 blend at +682% and the S&P 500 alone at +420%.

Backtest · 2013 to Sep 2026 · Log scale · Top 10 equal weight, reviewed monthly · Net of 20bps costs · Recorded monthly series · Model v6.0, measured 17 Sep 2026 on the 12 Sep data · Backtested, not a guarantee of future returns

Live tracking

How the method has held up since launch.

The research runs a real portfolio, and we track what happened to it next to the S&P 500. A backtest can be tuned until it looks good. This one only moves forward.

  • ·We judge the method over five-year windows, not weeks. The opening stretch will wobble; that's the deal.
  • ·The names that went wrong stay on the record next to the ones that worked.
base 100
Tracking started · first closes post here

Our money, not yours

We don't run a fund, take performance fees, or touch your investments. Subscriptions are our only revenue, so the only money at risk in the research is ours.

We disclose what we own

Anyone writing about a company should tell you where they stand on it. Our own positions are published alongside the research, so you can weigh one against the other.

A record, not a feed

Changes to our holdings are disclosed with the monthly edition, after the fact. You're reading what we did and why, not a queue of what to do next.

Blog

Latest posts.

All posts

About us

Our story.

Illustration: a laptop late at night buried under a storm of floating browser windows

How it started

1 a.m. Fourteen tabs.

One tab had the price, another the financials, a third a forum thread arguing about both. Around tab nine we realised we were paying for four subscriptions and still doing all the actual work ourselves.

Illustration: a drawing compass inscribing one bold gold circle on a blueprint

The foundation

Before any app, we built a number.

RTEP measures whether profit actually adds value once you charge a company for all the capital it uses. Accounting profit lies surprisingly often; RTEP was our lie detector, and the whole scoring model grew around it. See how it works.

Illustration: a gold megaphone announcing a rising chart while the vault behind it stands empty

The lesson

The loudest pitch held zero shares.

A newsletter we paid for pitched its “highest conviction idea of the decade”. The author didn't own a single share. That gap between what people recommend and what they hold is where early investors quietly lose the most.

Illustration: a hand placing the tenth gold token onto an open ledger

The rule we run on

We tell you where we stand.

We tested the model on thirteen years of point-in-time data before a single live dollar went in, and the losing years sit published next to the winning ones. Our own positions are disclosed with the research, so you always know who is writing and what they own.

We believe in this enough to fund our own independence with it, and we put the Monthly Top 10 into the lowest paid tier on purpose: anyone curious can check our work for less than a takeaway lunch.

Two hands cupping soil with a young tree seedling over a forest floor
10% of profits, every month

When you grow, others grow with you.

Ten percent of every Returnolio profit goes to causes that compound long after the trades close. We focus on planting trees and protecting water, the kind of slow, patient work that pays off over decades, much like the way we invest. Grow with us, and a slice of that growth goes straight into the ground.

ReforestationClean waterWatershed care
How the pledge works, and where the money goes

FAQ

Frequently asked.

What's the Monthly Top 10?

Ten long-form company write-ups, published on the first of each month. What the business does, what ten years of numbers say, how the model scored it, and where the case could break. It's the same scoring work we run across 900+ companies, written up properly instead of left as a ranking. Every past edition stays readable, and each one comes with a narration and a report PDF that walk through the analysis.

Is any of this investment advice?

No, and we're not registered to give any. Nothing here is a recommendation to buy, sell or hold anything. We don't know your income, your tax position, your time horizon or what else you own, and those are the things that decide whether a company belongs in your portfolio. We sell the analysis and the data underneath it. The decisions stay yours.

How does the model actually work?

Every company in the universe runs through the same reading: how good the business is, whether it earns more than its capital costs, how far the price sits from what we think it is worth, and what the market and company insiders are doing about it. Each pillar opens up on the company's page into the sub-metrics behind it, ranked against the whole universe, with every value on the page. They combine into one 0-100 Returnolio score. The top names then get a human review, and ten survive into the edition. We publish what each pillar measures and how we test it. How they combine is our recipe, and it stays ours.

How the Returnolio score is built
What is RTEP?

Returnolio True Economic Profit, and it is ours. We built it because nothing off the shelf answered the question: after paying for every dollar of capital the business uses, at what that capital actually costs, is there anything left? Debt and equity are charged at the company's own rate, and R&D is treated as the investment it is instead of a cost that vanishes the year it is spent. Plenty of companies report healthy accounting profits while quietly destroying value. RTEP is built to catch exactly that.

How RTEP works, on two real companies
What's the difference between Free, Core, Analyst and Pro?

Free is for looking around: all the macro and market data, one full stock analysis a month, and the Top 10 archive up to two editions back. Core adds the current edition with its narration and report PDF, plus our own disclosed positions - $9/mo billed yearly, or $14 month-to-month. Analyst opens the working tools - the screener at 200 rows, compare, smart-money tracking, 30 deep analyses a month - $24/mo billed yearly, or $30 month-to-month. Pro removes every limit and adds priority alerts and unlimited AI usage - $39/mo billed yearly, or $45 month-to-month. Each tier includes everything below it. Those are net prices; VAT or sales tax for your country is added at checkout.

How do I pay, and are there hidden costs?

Card, PayPal, Apple Pay or Google Pay, billed monthly or yearly, yearly being the cheaper rate. Prices on this page are net of tax, so VAT or sales tax for your country is added at checkout: 27% in Hungary, 20% in the UK, 19% in Germany, and nothing at all in the US states that don't tax software. You see the exact total before you pay, never after. Past that there's no setup fee, no per-report charges, no upsells inside the app and no cut of your gains. Cancel in one click and your access runs to the end of the period.

Do you offer refunds?

The Free tier is for trying us out - take your time there, poke around the data, read a past Top 10 edition, and only pay once you've seen how we work. On top of that, new Core subscribers get a 7-day refund window on their first paid month, and annual plans are refunded pro-rated if you cancel within 30 days of the charge. Cancelling takes one click and your access runs to the end of the period.

What alerts can I get?

New editions and Moonshot flags come with every plan, plus a daily or weekly email digest. Analyst adds smart-money alerts on insiders, 13F filings and political trades for the companies you follow. Pro removes the limits. Our own position changes are disclosed with the monthly edition, after the fact, so nothing lands in your inbox as a live instruction.

Do you cover IPOs?

We research the big ones and publish our take, and you can follow upcoming IPOs in the app to get alerted around listing. Fresh listings rarely make the Top 10 straight away though: the model wants real filing history before it trusts a name, and that discipline has saved us more than once.

What about small caps?

Size is not what gets a company into the universe. It runs from the largest listed names down to small ones, and we judge them all the same way. The Moonshot Detector sits apart from that: it flags companies the main score passes over, and those come in every size, from small caps to some of the biggest companies on the market. It surfaces a handful each month, clearly marked as the high-risk corner of the platform.

What do I actually get inside the app?

A scored page for every company: the Returnolio score with its pillars, fair-value bands on the price chart, ten years of financials, geographic revenue, an AI summary with the bull and bear case. Around that: the screener, side-by-side compare, the macro dashboard with the analyst forecast world map, the smart-money feed, watchlists and the Top 10 hub with every past edition, its narration and its report PDF.

Does it work well on a phone?

Yes. The app is built mobile-first - check your watchlist on the bus, read a thesis in bed. The heavier workflows like screening 900 stocks are nicer on a big screen, but nothing is desktop-only.

How accessible is it?

Light and dark themes, full keyboard navigation, screen-reader labels on the data, and a reduce-motion switch that calms every animation - independent of your OS setting. Accessibility issues get treated as bugs, not feature requests; if something blocks you, write to us and we fix it.

Where can I follow you if I'm curious about the thinking behind it?

Start with the docs: the methodology, the backtest and its limits all live there, in full. Each monthly Top 10 comes with a narration and a report PDF that walk through the ten companies one by one. And we post on YouTube, X, TikTok, Instagram, Threads and Pinterest - the links sit in the footer below.

Join us now.

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