How Thelma analyses
the markets for you.
No black box, no unrealistic promises. Here is exactly how our AI transforms millions of data points into understandable analyses — and why you can trust it.
+10,000
stocks analysed
4
fundamental pillars
0-100
personalised score
Every day
updated
The Thelma analysis pipeline
Every evening, a 5-step process transforms millions of raw data points into analyses readable by any investor.
Data collection
Every night, our servers retrieve millions of real-time data points from global markets, regulatory reports and news feeds.
4-pillar analysis
Each stock is scrutinised according to 4 fundamental criteria drawn from the best practices of academic and professional financial analysis.
Thelma Score calculation
A scoring model aggregates the results of the 4 pillars into an overall score out of 100, with a rating per dimension. Simple to read, rigorous to calculate.
Personalisation based on your profile
An excellent stock for a Growth investor can be catastrophic for a retiree seeking dividends. Thelma tailors its analysis to your profile.
Plain-language explanation
Thelma doesn't just give you a number. It explains why this score, what the strengths and risks are — in simple language, without jargon.
The 4 fundamental pillars
Our analysis is based on decades of academic financial research. These 4 dimensions make it possible to evaluate the quality of a company in a rigorous and reproducible way.
Financial health
The strength of a company's balance sheet determines its ability to weather crises. We analyse its financial structure in depth.
Growth
A company that doesn't grow loses ground. We measure the quality and consistency of growth based on past data and projections.
Valuation
A good company can be a bad investment if it is too expensive. We compare the market price with the estimated fundamental value.
Dividends
For investors seeking passive income, the quality and regularity of dividends is as important as growth.
The Thelma Score: how the 0-100 works
A single number to summarise the health of a company. Readable in a second, calculated from hundreds of data points.
Apple Inc.
AAPL · NASDAQ
82
/100
Solid fundamentals across all pillars. High-quality stock.
Good overall quality with a few minor areas for improvement.
Acceptable quality but notable weaknesses on one or more pillars.
Fragile fundamentals. High risk — avoid or monitor closely.
The score measures the fundamental quality of the company — not the future performance of the stock. Financial markets remain unpredictable.
Our data sources
Full transparency: here is exactly where the data that feeds our analyses comes from.
Yahoo Finance
FreeReal-time prices, historical data, financial figures
+10,000 stocks, indices, global ETFs
SEC EDGAR
PublicAnnual and quarterly regulatory reports
10-K, 10-Q, 8-K — official data from listed companies
Stocktwits
FreeSentiment and mentions on financial social networks
Real-time investor sentiment analysis
Eurostat
PublicEuropean macroeconomic data
GDP, inflation, employment rates, economic indicators
AFP / Reuters feeds
SyndicatedReal-time financial news
Automatic summaries by our AI (Gemini 2.5 Flash)
Our independence guarantee
Thelma does not earn any commission on your transactions. We are not remunerated by brokers, fund issuers or listed companies.
The AI works for you, and only for you.
Thelma is not a regulated investment adviser. Analyses are provided for informational purposes only. All investments involve a risk of capital loss.
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