📊 Value Scoring (1–10)

Financial Metrics 💰 5

ROE > 15%, healthy debt ratio, strong free cash flow

Valuation 📈 5

P/E near historical lows, reasonable P/B, sufficient margin of safety

Economic Moat 🏰 5

Brand power, market dominance, technology barriers, cost advantages

Management 👔 5

Competence, integrity, long-term thinking, incentive alignment

Dividends 💵 5

Stable payout ratio, consistent growth, yield above bank rates

Industry Outlook 🌟 5

Industry growth prospects, competitive dynamics, tailwinds

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