Mastering My Valuations

Your Personal Conviction Tracker — Save Custom Bear/Base/Bull Assumptions & Track Live CAGRs as Prices Move

COMPLETE GUIDE

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Last Updated: May 2026  |  Reading Time: ~8 minutes  |  Level: Beginner–Intermediate
💡 My Valuations Learning Hub
Everything you need to track your conviction investments

What You Will Learn

My Valuations is your personal conviction tracker. Unlike the CAGR Tracker (which shows platform-generated defaults for all stocks), My Valuations stores the assumptions you entered — customised using your own research and AI tools.

  1. How My Valuations is different from the CAGR Tracker
  2. How to save your first stock using the Financial Model
  3. Reading the conviction dashboard — CAGR colors, target prices, and columns
  4. Managing your watchlist — editing, updating, and removing stocks
  5. How CAGRs update automatically as prices move daily
Tip: My Valuations only appears in your navigation after you save your first stock. Save one stock from the Financial Model to unlock it.
What is My Valuations?
A personal dashboard that stores your custom bear/base/bull assumptions for any stock you saved from the Financial Model. CAGRs and target prices update daily as the stock price moves.
How is My Valuations different from the CAGR Tracker?
CAGR Tracker shows platform-generated default assumptions for all stocks. My Valuations stores only YOUR custom assumptions that you entered via the Financial Model's Refine with Your AI panel.
How do I save a stock to My Valuations?
Open /model/, search for a stock, use the Refine with Your AI panel to customise and Apply assumptions, then click "💾 Save to My Valuations". The Save button only enables after you apply assumptions.
Why is the Save button greyed out?
The Save button is intentionally disabled until you apply customised assumptions. Click "Refine with Your AI", get AI-generated JSON for all 3 scenarios, paste it, and click Apply. The Save button enables once applied.
How often do the CAGRs update?
CAGRs recompute on every page load using today's live price from Finmagine's daily price data. The assumptions you saved stay fixed — only the current market price changes, which shifts the implied CAGR automatically.
What do the CAGR colours mean?
Green (≥20%) = strong conviction opportunity. Amber (10–19%) = decent but moderate return. Red (<10%) = the stock is priced near your fair value or above it — low margin of safety.
What is the target price shown below the CAGR?
It's the fair value computed from your custom assumptions for that scenario. Bear = pessimistic fair value, Base = most likely fair value, Bull = optimistic fair value. All 3 are shown so you can see the full range.
How do I update assumptions for a saved stock?
Click the Edit button on any row. It opens the Financial Model for that stock at /model/?symbol=X. Adjust assumptions using Refine with Your AI, apply them, then Save again. The entry updates (not duplicated).
How do I remove a stock from My Valuations?
Click the Remove button on any row. The row fades out without a page reload. The stock is permanently deleted from your saved valuations. You can re-save it from the Financial Model at any time.
When does My Valuations appear in the navigation?
The navigation link appears automatically the first time you save a stock. If you have no saved valuations, the link is hidden to avoid showing an empty page. Save one stock to unlock it.
Can I sort the My Valuations table?
Yes. Click any column header to sort. Default sort is by Base CAGR descending — your highest-conviction stocks appear first. You can sort by Bear CAGR, Bull CAGR, CMP, sector, or saved date.
How do I find a specific stock in My Valuations?
Use the search bar at the top of the page. Type the company name or NSE symbol and the table filters instantly. Useful when you have many saved valuations.
Does My Valuations handle banking stocks differently?
Yes. Banking stocks use the PAT×PE model (not DCF), the same as the Financial Model page. This is detected automatically from the is_banking flag saved with your assumptions. No action needed from you.
What exactly is saved when I click Save?
Your bear, base, and bull assumptions (revenue growth, margins, D&A, interest, NWC days, capex for 5 years each), WACC, terminal growth rate, and the banking flag are saved. The company's market price is NOT saved — it's always fetched live.
Is My Valuations available to all users?
No. My Valuations is a premium feature. You need an active Finmagine subscription to save and view your custom valuations. Free users can still use the Financial Model to explore but cannot save.
Step 1

What Is My Valuations?

The Finmagine Financial Model lets you load any NSE stock, review AI-generated bear/base/bull scenarios, adjust assumptions, and run a DCF valuation. But those customisations were previously lost every time you refreshed the page.

My Valuations solves this. Once you apply your custom assumptions in the Financial Model, you can save them. My Valuations then becomes your permanent conviction tracker — showing you the live implied 5-year CAGR for each stock based on your own analysis, updated daily as prices change.

Key Concept: Your Assumptions, Not Platform Defaults

My Valuations stores only assumptions you actively customised using the Refine with Your AI panel. The CAGR Tracker shows Finmagine's platform-generated defaults for all covered stocks. They are complementary — CAGR Tracker for discovery, My Valuations for conviction.

🐻 Bear Case

Worst-case assumptions: low growth, compressed margins. What happens if things go wrong?

Base Case

Most-likely assumptions based on your research and AI analysis. Your primary conviction estimate.

🐂 Bull Case

Optimistic assumptions: strong growth, expanding margins. Maximum upside if everything goes right.

Step 2

Saving Your First Stock

My Valuations has no standalone entry point — you must save from within the Financial Model. Here is the exact flow:

  1. Open the Financial Model at /model/ and search for any NSE stock (e.g., EICHERMOT, HDFCBANK, NESTLEIND).
  2. Review the AI-generated assumptions. The model pre-loads bear/base/bull scenarios from Finmagine's quarterly batch. Read them in the assumption panels.
  3. Open "Refine with Your AI" panel (the spanner/settings icon near the bottom of the page). Click the copy button to copy the pre-built prompt for all 3 scenarios.
  4. Paste the prompt into your preferred AI tool. The AI generates a JSON block with customised bear, base, and bull assumptions based on latest research.
  5. Paste the JSON back into the Refine panel's text area and click Apply to Model. The model rebuilds with your custom assumptions.
  6. Click "💾 Save to My Valuations" — the button appears in the Refine panel after you apply assumptions. A confirmation shows "✓ Saved · View My Valuations →".
Tip: The Save button is disabled by default. It activates only after you apply customised assumptions. This ensures you are saving your own research, not just the platform defaults.
Important: Saving the same stock again (with updated assumptions) overwrites the previous entry — it does not create a duplicate. You will see "✓ Updated" instead of "✓ Saved". This keeps your watchlist clean.
Step 3

Reading the My Valuations Dashboard

After saving your first stock, a "My Valuations" link appears in the Finmagine navigation. The dashboard is a sortable table with the following columns:

ColumnWhat It ShowsNotes
#Row number in current sort orderChanges when you sort
CompanyCompany name and NSE symbolClick to sort alphabetically
SectorGICS sector from Finmagine DBHelpful for portfolio concentration check
CMP ₹Current market price (live)Fetched fresh on each page load
🐻 BearImplied 5-year CAGR (bear assumptions)Color-coded: green/amber/red
BaseImplied 5-year CAGR (base assumptions)Default sort column (highest first)
🐂 BullImplied 5-year CAGR (bull assumptions)Best-case upside
SavedDate you last saved/updated the stockShows when assumptions were last set
ActionsEdit button + Remove buttonEdit reopens model; Remove deletes permanently

CAGR Colour Coding

Each CAGR cell is colour-coded to instantly communicate return potential at the current price:

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

The target price (fair value) is shown in small text below the CAGR in each cell. This is the 5-year price target implied by that scenario's assumptions.

Key Concept: What CAGR Means Here

The CAGR shown is the annualised return you would earn if the stock reaches the scenario's fair value over 5 years, starting from today's CMP. A base CAGR of 22% means: if your base assumptions are correct, the stock would need to grow at 22% per year to reach your estimated fair value.

Step 4

How CAGRs Update Automatically

One of the most powerful features of My Valuations is that you set assumptions once, and the implied returns update automatically every day as prices move.

Here is what happens behind the scenes on every page load:

  1. Your saved assumptions (bear/base/bull) are fetched from the database — unchanged.
  2. Today's current market price (CMP) is fetched live from Finmagine's daily price data.
  3. The DCF or PAT×PE fair value is recomputed using your assumptions and the company's latest financials.
  4. The 5-year CAGR is calculated as: (Fair Value / CMP)^(1/5) − 1
What this means in practice: If a stock you saved at ₹1,000 drops to ₹900, your base CAGR goes up (same target, lower starting price = better return). If it rallies to ₹1,200, the CAGR goes down — automatically flagging that the opportunity has shrunk. No action needed from you.
Note: The CAGR does NOT update intraday — it reflects the previous day's closing price from Finmagine's daily price update, which runs each evening. You will see "CAGRs recompute daily as prices update" at the bottom of the page.
Step 5

Managing Your Watchlist

Editing a Saved Stock

Click Edit on any row to open the Financial Model at /model/?symbol=SYMBOL. The model will load that stock's data. You can then use Refine with Your AI to generate updated assumptions (e.g., after a quarterly result changes the story), apply them, and click Save again. The entry in My Valuations is overwritten with your new assumptions — you will see "✓ Updated".

Removing a Stock

Click Remove to permanently delete a stock from your saved valuations. The row fades out without reloading the page. You can re-add it at any time from the Financial Model.

Searching and Sorting

Use the search bar to filter by company name or symbol. Click any column header to sort — particularly useful to find which of your saved stocks now has the highest CAGR after market moves.

Pro Workflow: After every quarterly earnings season, revisit My Valuations and click Edit for each stock. Update assumptions to reflect the new numbers, save again, and see how your conviction changes. This keeps your tracker aligned with the latest financial reality.

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