Our method
Models that measure.
AI that explains.
Market professionals’ analytical methods, explained in simple terms: what they measure, how they are calculated, and their limitations.
Two engines, two very distinct roles.
They analyse the data and produce the indicators.
- ✓They go through the published accounts and market history hundreds of companies.
- ✓They produce the indicators : B-Score, risk measures, concentration, diversification.
- ✓They are recalculated every day after the markets close.
- ✓They are deterministic : the same data always produces the same results.
She explains the results and makes them accessible.
- ✓She puts it into words what each indicator measures and why it is useful.
- ✓It provides access to concepts that can sometimes be complex : volatility, correlation, concentration…
- ✓She answers your questions in plain language, with some background information.
- ✗She does not calculate marks, does not predict share prices and does not provide any personalised advice.
The figures come from the models, never from the AI.
AI is here to help you understand them.
The B-Score™, with no grey areas.
A note is only valuable if you know what it represents, where it comes from and what its limitations are.
L'relative attractiveness of a company within its investment universe, for a given objective (income, growth, stability, etc.). A score from 0 to 100, designed to facilitate comparison.
The published financial statements by businesses, theprice history and the dividends, sourced from professional market data feeds and updated daily.
6 criteria — growth, financial quality, valuation, momentum, stability, dividend — are rated by comparing each company with other stocks in its universe, and then weighted in line with the strategy’s objective.
The B-Score is a photography based on past and present data : it does not predict the future. It depends on the quality of the published data, and a summary always simplifies the reality. It should be read as a tool for understanding, not as a signal to buy or sell.
The models behind the ratings, explained simply.
Each has its place in the B-Score or in your portfolio analysis — and each has its limitations.
Profitability, margins, debt levels, valuation (such as the price-to-earnings ratio): ratios calculated from published financial statements, which describe a company’s financial health.
At Baziloo, they meet the criteria financial standing and valuation of the B-Score.
Limit: Financial statements are published after a certain period and describe the recent past.
Price movements over several months. Academic studies have shown that trends exhibit a certain degree of persistence — a phenomenon exploited by many quantitative fund managers.
At Baziloo, that’s the key factor momentum of the B-Score.
Limit: A trend can reverse quickly, without warning.
The extent of a security’s price fluctuations, measured by the standard deviation of its returns. The more volatile a security is, the more erratic its price movements.
At Baziloo, she maintains the criterion stability and your portfolio’s risk indicators.
Limit: Past volatility is no guarantee of future volatility.
Measuring how your investments perform in relation to one another. This lies at the heart of Harry Markowitz’s work: a well-diversified portfolio reduces risk without necessarily sacrificing return.
At Baziloo, it is used to analyse the structure of your portfolio: balance, duplicates, cross-exposures.
Limit: In times of crisis, correlations tend to increase.
The weight of each line, sector or area within the overall portfolio, measured by concentration indices (such as the Herfindahl index). A highly concentrated portfolio is heavily reliant on a few investments.
At Baziloo, this is the basis of the concentration alerts from the Co-pilot.
Limit: The comfort threshold depends on each person’s profile and objectives.
Combining several indicators, scaled to a common scale, into a single score. This is the method used by professionals to scrutinise hundreds of stocks.
At Baziloo, it’s the very principle of the B-Score.
Limit: A summary always simplifies things — AI is there to reveal the details whenever you want.
The aim is not to turn you into a mathematician.
The aim is to provide you with what these tools offer professionals: a clearer understanding.
To understand what each indicator measures, and why it exists.
To read a note whilst being aware of its data, its calculation and its limitations.
Assessing the values and structure of your portfolio in a complex and changing environment.
Frequently asked questions about the method.
Is the B-Score a buy recommendation?
No. The B-Score measures attractiveness relative of a company based on quantitative criteria, for a given objective. It is a tool for understanding and comparison — the decision on whether or not to invest remains entirely yours.
Why can a rating change from one day to the next?
The models are being recalculated every day after the close of trading. Newly published results, a change in share price or movements in the prices of other stocks in the universe (as the rating is comparative) may cause a B-Score to change.
Can AI make mistakes?
AI does not produce any figures : the indicators are derived exclusively from the models. Its role is to rephrase and explain. Like any explanation, it may simplify matters — which is why the raw data is always available on each value sheet.
Are these models actually used by professionals?
Yes. Fundamental ratios, momentum, volatility, correlation, concentration ratios and multi-criteria scoring are part of the standard toolbox analysts, fund managers and institutional investors. What sets Baziloo apart is not that it invented these methods: it is that it makes them accessible and easy to understand.
Why separate models and AI?
To avoid ambiguity. If the same ‘black box’ were to both calculate and explain, you wouldn’t be able to tell where a score came from. At Baziloo, the calculations are deterministic and verifiable; the AI is only involved in providing the explanation.
Professional tools. Clear explanations.
Run an analysis and see what these methods reveal about your portfolio.
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