Mastering the CAGR Tracker

Screen Every Covered Stock by 5-Year Bear, Base & Bull Return Potential — Sorted, Filtered & Colour-Coded

COMPLETE GUIDE

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Last Updated: May 2026  |  Reading Time: ~8 minutes  |  Level: Beginner–Intermediate
📈 CAGR Tracker Learning Hub
Discover which stocks offer the best implied returns right now

What You Will Learn

The CAGR Tracker is a discovery tool. It shows you 5-year bear/base/bull expected CAGRs for every NSE stock that Finmagine's Financial Model has analysed — all in one sortable, filterable table. This guide teaches you how to use it effectively.

  1. What the CAGR Tracker shows and where the numbers come from
  2. How to filter by sector to compare stocks in the same industry
  3. How to sort and interpret the bear/base/bull CAGR columns
  4. Reading CAGR colours to spot opportunities and risks at a glance
  5. Moving from discovery to conviction using the Financial Model and My Valuations
Tip: Sort by Bear CAGR to find stocks that look attractive even in a pessimistic scenario. These are your highest margin-of-safety plays.
What is the CAGR Tracker?
A sortable table showing 5-year bear/base/bull implied CAGRs for every NSE stock covered by Finmagine's Financial Model. It uses platform-generated AI assumptions — not your custom ones (those are in My Valuations).
Where do the CAGR Tracker's assumptions come from?
Finmagine runs a quarterly AI batch that generates bear/base/bull assumptions for every covered stock. These are the same defaults shown when you first open the Financial Model for any stock.
How is the 5-year CAGR calculated?
The DCF (or PAT×PE for banks) model projects free cash flows over 5 years using the AI assumptions, computes a fair value, then calculates CAGR = (Fair Value / CMP)^(1/5) − 1. Updated daily as prices move.
What do the CAGR colour codes mean?
Green (≥20%) = strong implied return, worth investigating deeply. Amber (10–19%) = moderate return, reasonable at current price. Red (<10%) = priced near or above the model's fair value.
Why sort by Bear CAGR?
Bear CAGR shows the return even if things go wrong. A stock with 15%+ Bear CAGR has a strong margin of safety — you earn well even in the pessimistic scenario. Base CAGR = most likely return. Bull = maximum upside.
How do sector chips work?
Click any sector chip (e.g., Chemicals, Banking, IT) to filter the table to stocks in that sector only. Click "All" to see everything. Useful for comparing opportunities within an industry you understand well.
How do I sort the table?
Click any column header to sort. ▼ = descending, ▲ = ascending. Default is Base CAGR descending (best returns first). Click Base CAGR again to flip to ascending — useful to see which stocks are priced above their fair value.
What is the Base Target column?
The Base Target is the fair value computed from the base (most likely) scenario. It is the 5-year price target implied by the AI assumptions. If CMP is well below the Base Target, the stock appears undervalued.
What does the "Model" column show?
The quarter label (e.g., "Dec 2025") for the AI batch run that generated the assumptions. Newer = more current analysis. If a stock shows an older quarter, the assumptions may not reflect the latest quarterly results.
How do I find a specific company?
Type in the search bar — it filters by company name or NSE symbol instantly. You can combine search with sector filtering: select a sector chip, then type to narrow within that sector.
Does the CAGR Tracker use DCF or PAT×PE?
It uses DCF for non-banking companies and PAT×PE for banking/financial companies (flagged as is_banking in the Financial Model). This is the same methodology as the full Financial Model page.
CAGR Tracker vs My Valuations — what is the difference?
CAGR Tracker = platform-generated default assumptions for all stocks (discovery tool). My Valuations = YOUR custom assumptions you saved from the Refine panel (conviction tracker). Use CAGR Tracker to find ideas, My Valuations to track your own theses.
What does a negative or very low CAGR mean?
A negative Base CAGR means the stock's current price is ABOVE the model's base-case fair value — the model suggests it is overvalued based on AI assumptions. Always check assumptions in the Financial Model before drawing conclusions.
How do I see the full analysis for a stock from CAGR Tracker?
Click the company name or use the link to open /model/?symbol=SYMBOL. You will see the complete bear/base/bull assumptions, 5-year projections, DCF breakdown, sensitivity matrix, and the Refine with Your AI panel.
Is the CAGR Tracker available to all users?
No. The CAGR Tracker is premium-gated. It requires an active Finmagine subscription. The underlying Financial Model page is also premium-only. Free users can explore the platform but not access modelled valuations.
Step 1

What Is the CAGR Tracker?

The CAGR Tracker is a discovery and screening tool that shows you the 5-year implied return potential for every NSE stock that Finmagine's Financial Model has analysed — all on one page.

Instead of opening each stock individually in the Financial Model, the CAGR Tracker aggregates the results: you can see bear, base, and bull case 5-year CAGRs side by side, sorted by return, filtered by sector, and colour-coded by opportunity strength.

Key Concept: Platform Defaults, Not Your Assumptions

The CAGR Tracker uses assumptions generated by Finmagine's quarterly AI batch. These are the same defaults the Financial Model loads for each stock. They represent Finmagine's platform view — not your customised research. For your own assumptions, use My Valuations.

The CAGR Tracker is best used for:

Step 2

Reading the CAGR Tracker Table

The table has 10 columns. Here is what each one means:

# Rank
Row position in the current sort order
Company
Company name, NSE symbol, and sector tag
Sector
Industry classification — click to filter by sector chip
CMP ₹
Current market price — fetched daily, not real-time
🐻 Bear CAGR
5-year return if pessimistic assumptions play out
Base CAGR
5-year return in the most-likely scenario (default sort)
🐂 Bull CAGR
5-year return if optimistic assumptions play out
Base Target
Fair value (₹) from the base scenario assumptions
MCap Cr
Market capitalisation in crores — filter for size preference
Model
Quarter when the AI assumptions were last generated

CAGR Colour Coding

CAGR cells are colour-coded to make high-opportunity stocks immediately visible:

Green — ≥ 20% annual CAGR Amber — 10–19% annual CAGR Red — < 10% annual CAGR

Below each CAGR, a smaller number shows the target price (fair value) for that scenario.

Important: Green does not mean "buy". It means the model's assumptions imply a strong return at the current price. Always verify the underlying assumptions in the Financial Model — the AI may be too optimistic or the company's situation may have changed since the last batch run.
Step 3

Filtering by Sector

The row of chips at the top of the CAGR Tracker lists every sector covered. Click any chip to filter the table. Click "All" to reset.

Sector filtering is most useful when:

Pro Tip: Combine sector filter + Bear CAGR sort. This shows you the stocks in a sector that look most attractive even in a downside scenario — the highest conviction plays within your chosen industry.
Step 4

Sorting Strategies

Click any column header to sort. The arrow indicates direction — click again to reverse. Here are the most useful sorting approaches:

Sort ByWhat You FindWhen to Use
Base CAGR ↓ Stocks with the highest likely return first Default — best starting point for discovery
Bear CAGR ↓ Stocks with the best margin of safety Conservative screening — find stocks that work even in downside
Bull CAGR ↓ Maximum upside potential Growth-oriented screening — find multi-bagger candidates
Base CAGR ↑ Most expensive stocks first (lowest implied return) Check if your portfolio holdings are priced for perfection
MCap ↑ Smallest companies first Small/mid cap screening for higher-risk, higher-return ideas
Model ↓ Most recently updated models first Find stocks with the freshest AI analysis post quarterly results
Step 5

From Discovery to Conviction

The CAGR Tracker is the starting point, not the endpoint. When a stock catches your eye, here is the recommended workflow:

  1. Identify the candidate — a stock with a high Bear CAGR in a sector you understand, after filtering and sorting.
  2. Open the Financial Model — click the company name or go to /model/?symbol=SYMBOL. Review the full 5-year historical financials and the AI assumptions.
  3. Evaluate the assumptions — are the revenue growth rates realistic? Are the margins plausible? Do the assumptions reflect the latest quarterly result?
  4. Refine with Your AI — use the Refine panel to generate your own assumptions using Claude, ChatGPT, or your preferred tool. Apply them to see how the CAGR changes.
  5. Save to My Valuations — if you agree with your customised assumptions, save the stock. It then appears in My Valuations with your own bear/base/bull targets tracked daily.
The Full Workflow: CAGR Tracker (discover) → Financial Model (analyse) → Refine with Your AI (customise) → My Valuations (track). Each step adds a layer of conviction on top of the platform's AI defaults.
Tip: A large spread between Bear and Bull CAGR indicates high uncertainty about the outcome — the market likely prices in this uncertainty too. A narrow spread suggests more predictable business fundamentals.

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