FAQ
How the reports work, how to interpret them, and how to use them effectively.
How it works
ValueMosaic reports apply multiple valuation models in parallel to the same underlying company data. Each model produces an independent estimate of intrinsic value, which are then combined into a single fair-value range.
The intent is not to claim precision, but to frame valuation uncertainty explicitly and make visible where different analytical approaches agree or diverge.
Each PDF report contains:
- Model-by-model outputs (e.g. DCF variants, dividends, multiples, PEG)
- Key assumptions such as growth, discount rates and terminal values
- A blended valuation range derived from filtered and weighted model results
- Sensitivity context to help assess robustness rather than precision
The resulting valuation range should be interpreted as an analytical anchor, not a forecast or target price.
FAQ
What valuation models are used?
ValueMosaic applies a set of
complementary valuation frameworks,
typically including discounted cash flow variants, dividend-based models where applicable,
relative valuation via multiples, and growth-adjusted approaches such as PEG.
Not all models are suitable for all companies. Models that fail basic robustness or data-quality checks are excluded from aggregation.
Not all models are suitable for all companies. Models that fail basic robustness or data-quality checks are excluded from aggregation.
Why might my own valuation differ from ValueMosaic?
Differences are expected and healthy.
Valuation outputs are highly sensitive to
assumptions
such as growth rates, margins, discount rates and terminal values.
Your own research may:
Your own research may:
- Use different data sources
- Apply alternative growth or risk assumptions
- Place more or less weight on specific valuation methods
How should I interpret the valuation range?
The valuation range represents a
distribution of plausible outcomes,
not a prediction.
Prices outside the range may indicate potential mispricing,
but they may also reflect risks, structural changes or information not captured in models.
Use the range to ask:
Use the range to ask:
- Which assumptions would need to change to justify the current price?
- Which models disagree most strongly, and why?
- Where is my own conviction relative to the range?
Does ValueMosaic provide buy or sell recommendations?
No.
ValueMosaic reports are
analytical tools,
not investment advice.
Any rating or classification is derived mechanically from valuation ranges and should be understood as a valuation signal, not a recommendation or timing instruction.
Any rating or classification is derived mechanically from valuation ranges and should be understood as a valuation signal, not a recommendation or timing instruction.
What are sensible next steps after reading a report?
ValueMosaic is designed as a
starting point.
After reviewing a report, investors may choose to:
- Stress-test assumptions against their own scenarios
- Compare valuation ranges across peers or sectors
- Review qualitative factors not captured in models
- Incorporate macro or cycle-specific views
Is this suitable for beginners?
The reports are written to be
readable and structured,
but they assume basic financial literacy.
For newer investors, the reports can be useful as a way to learn how different valuation models behave and how assumptions influence outcomes.
For newer investors, the reports can be useful as a way to learn how different valuation models behave and how assumptions influence outcomes.
Important:
ValueMosaic content is provided for informational and educational purposes only and does not constitute investment advice, a recommendation, or an offer to buy or sell securities. No representation is made regarding the suitability of any investment for any individual. You are solely responsible for your investment decisions and outcomes.
ValueMosaic content is provided for informational and educational purposes only and does not constitute investment advice, a recommendation, or an offer to buy or sell securities. No representation is made regarding the suitability of any investment for any individual. You are solely responsible for your investment decisions and outcomes.