Everything you need to know, even if you’re starting from scratch.

How to read Baziloo

Baziloo is a information platform. It gives you access to analytical tools that were long the preserve of market professionals — analysts, fund managers, institutional investors — and makes them easy to understand. We never tell you what to buy or sell: It’s always up to you.

In practical terms, each value is assigned a score (the B-Score) and a series of figures. These figures describe the situation at a given moment; they do not predict the future. Baziloo is not not a signal platform : The notes are reading guides, not instructions.

Models & AI: who does what?

At Baziloo, the figures and explanations don’t come from the same source — and that’s by design.

• Mathematical models — they analyse the data (published financial statements, share price history, dividends) and produce all the figures : B-Score, risk measures, concentration, diversification. These are deterministic: the same data always produces the same results, which are recalculated every day after the market closes.
• Artificial intelligence — she explains the results : what each rating measures, why a tool is useful, how to interpret a warning. It makes sometimes complex concepts accessible. It does not calculate any marks, does not predict share prices and does not provide any personalised advice.

💡 Remember this rule: Models calculate, AI explains. You always know where a figure comes from — and there’s always someone to explain it to you. For details of the models used, see the page Our method.

The B-Score, in 30 seconds

The B-Score is a note from 0 à 100. The higher it is, the better the ranking compared with others according to our criteria, at any given moment. It is a relative ranking, not a promise of a profit.

💡 A high B-Score means ‘this value meets many of our criteria today’. It can change from day to day, as it is recalculated daily.

These levels (‘High rating’, ‘Solid rating’, etc.) are statistical rankings, not buy or sell recommendations. To find out exactly what the B-Score measures, what data it is based on, how it is calculated and what its limitations are, please visit the page Our method.

The 6 factors of the B-Score

The B-Score is the average of six factors, each scored on a scale of 0 to 100 (the score indicates the value relative to others: 100 = amongst the best, 0 = amongst the worst). These factors are based on the the same categories of methods as those used by professionals : fundamental ratios, momentum, volatility, returns — tools that have been studied and used in the markets for decades.

💡 On a fact sheet, these factors are shown as bars. An ‘all-green’ profile is rare: a growth stock will often be expensive (low valuation), whilst a defensive stock will be stable but lack dynamism. This is to be expected.

The Baziloo ecosystem

• Baziloo Research Engine™ — the engine of mathematical models who, every day, collects the data and calculates all the scores. It is he — and he alone — who produces the figures.
• B-Score™ — the summary score (0–100) generated by the models.
• B-Risk™ — assessing the level of risk (volatility) of a security or a portfolio.
• B-Monitor™ — the ongoing monitoring of markets and portfolios.
• B-Rebalance™ — the principle of rebalancing when the criteria are no longer met.
• The Copilot’s AI — the layer ofexplanation : it explains in plain language what the models measure and answers your questions. It does not produce any figures.

Strategies vs ‘My Portfolio’

Two words that should not be confused:

• A strategy = a themed portfolio put together by Baziloo (Growth, Dividends, AI, Technology, Energy, Europe, US Equities, ETFs). It is a selection of securities centred around a single objective.
• My portfolio = your personal dashboard, where you can enter your own positions so that you can track them.

In other words: you explore strategies, and what you’re following can be found in your portfolio.

The modules

Read a stock factsheet

• Closing price — the last known share price (delayed; see below).
• Performance ~1 year — the price trend over approximately twelve months (green if rising, red if falling).
• Chart — the price trend over approximately one year, to illustrate the trend.
• Breakdown of the B-Score — the 6 factors, shown as bar charts (0 to 100).
• Key points — the P/E ratio (price-to-earnings ratio), the dividend yield and market capitalisation (company size). See the glossary.

My portfolio

Add a position by specifying the number of shares and, if you wish, your purchase price. Baziloo then calculates the following each day:

• Estimated value — quantity × last price, converted into euros.
• Today’s change — how much your portfolio has gone up or down since yesterday.
• Capital gain/loss — your profit or loss since purchase (if you have entered a purchase price).
• Overall B-Score — the average of the B-scores for your lines, weighted by their weight.
• Allowance — the breakdown of your portfolio by sector and region.
• Trend chart — the total value day by day (which builds up over time).

You can to close all or part of a position (the ‘Close’ button): the realised profit or loss is then recorded in your journal.

The Co-pilot

The Co-pilot combines Baziloo’s two engines: the models measure your portfolio (concentration, exposure to a particular sector or region, level of volatility), and its AI explains these measures explained in plain language — you always know why you’re receiving an alert. It then suggests areas to explore, presented as general suggestions — never as instructions. The decision is still yours to make.

You can enable a text message alert (optional) which alerts you, no more than once a week, if your portfolio is significantly unbalanced.

Watchlists & favourites

L'star ☆ shown on the maps and fact sheets adds value to your favourites with just one click. From ‘My Portfolio’, you can also create several lists labelled (‘Watch list’, etc.) to organise the shares you’re interested in, without necessarily owning them.

Stock markets

Each value is linked to its stock exchange, to help you find your way around easily:

• Nasdaq / NYSE — the two major US stock exchanges (the Nasdaq is heavily technology-focused).
• Euronext Paris — CAC 40 — the French stock market.
• Frankfurt — DAX — the German stock exchange.
• Euronext Amsterdam — AEX, SIX Swiss — SMI — The Netherlands and Switzerland.
• Index ETFs — indices that track an entire index (S&P 500, Nasdaq 100, etc.).

Where does the data come from?

Baziloo uses the closing price (the close-of-day price), provided on a delayed basis — these aren’t real-time prices. Everything is updated once a day. The amounts shown are therefore indicative : ideal for keeping track of market trends and asset allocation, but this is not a real-time broker statement.

Glossary

Action

A share in a company’s capital. Holding a share means owning a small fraction of the company.

ETF

A basket that tracks an entire index (e.g. the S&P 500). With a single line, you gain exposure to hundreds of companies.

P/E ratio (Price/Earnings)

The ratio of the share price to earnings per share. A high P/E ratio means the share is expensive relative to its earnings.

Dividend

A portion of the profits is paid out to shareholders. The ‘dividend yield’ is this income expressed as a percentage of the share price.

Capitalisation

The company’s total market capitalisation (share price × number of shares). This indicates its size.

Volatility

The extent of price fluctuations. High volatility = sharp swings both up and down.

Momentum

The recent price trend. Positive momentum = the price has been rising for some time.

Percentile

A scale from 0 to 100. Being in the 90th percentile means performing better than90 %s of the values being compared.

Quantitative model

A fixed calculation method that converts data (accounts, share prices, etc.) into comparable figures. The same data always produces the same result.

AI (at Baziloo)

Artificial intelligence that explains these figures and answers your questions. It does not calculate marks or predict course outcomes: the figures come from the models.

Diversification

Spread your money across a range of assets, sectors and regions so as not to put all your eggs in one basket.

Allowance

The way your portfolio is allocated (by security, sector, region).