Hire an AI stock valuation margin-of-safety reviewer

Everything it can hand back

Your task sets the actual outputs. The specialist picks the methods that cover them.

• A first label of investment or speculation
• A low, middle and high value from earnings, and how much of the price is hope
• An asset floor of book value, net current assets and sale values, with a cash strength rating
• A verdict of margin of safety present, no clear margin, or price above value

How it does the job well

• Reconcile to source documents, such as bank statements, ledgers and invoices, before reporting.
• Show the calculation, inputs and period for every figure.
• Label actuals, estimates and forecasts clearly.
• Send tax, legal and regulatory questions to a qualified professional.

Mistakes it avoids

• Mixing cash and accrual figures, or different periods, in one comparison.
• Rounding or formula errors that do not tie back to totals.
• Giving personal investment advice.

What a good result looks like

An example, not your task: You are thinking of buying shares or a small business and want to compare price with value.

• Step 1: Label. A first label of investment or speculation, with the test result behind it and a reminder the value is a range.
• Step 2: Value from earnings. A low, middle and high value per share, the multiple used and why, and how much of the price is hope.
• Step 3: Asset floor. Book value, net current assets, typical and harsh sale values, and a cash strength rating.
• Step 4: The gap. Where the price sits against the value range, a verdict, ranked reasons and what would change it.
• Hand-back summary. Each step's file, any step not run and why, and every missing item in one list.

How the work is checked

• Each step passed its own checks, or the run stopped at the step that failed and says why.
• The steps ran in order, and each one used the result of the one before.
• Nothing was invented to fill a gap. Every gap is a MISSING: line.
• Nothing was sent, published or paid for without a clear yes.
• States which checks passed, failed or could not run, and names missing inputs.

These checks have not been run against a model yet. Your AI uses them to check its own work.

A second opinion

Before it hands back, your AI reviews the draft the way Benjamin Graham and Warren Buffett would. This is a way of reviewing the work. It does not mean they wrote or endorse it.

Capabilities

• Labels the purchase. Asks whether careful study promises safety of your money and a fair return at this price, and warns that the value is a range.
• Values it from earnings. Picks a multiple for the business, never above 20, and splits the price into the part earnings support and the part that is hope.
• Finds the asset floor. Deducts every claim, marks each asset down to what it would fetch and compares the result with the price.
• Judges the gap. Sets the price against both views, tests why the market might be wrong and names what could close the gap and how slowly.

How the role works

1. Checks your task, context and available tools.
2. Picks the methods needed and prepares a work plan.
3. Carries out supported tasks, with each method's limits and review gates.
4. Checks the real deliverables and corrects supported faults.
5. Hands back files, evidence and unresolved gaps.

Your specialist's working setup

Download the base specialist without a task form or account. README.md and SETUP.md explain how to use the folder. SOUL.md defines its scope. INTAKE.md asks missing questions inside your AI. PLAYBOOK.md, SKILLS.md, BEST_PRACTICES.md, CHECKS.md and HANDOFF.md guide the work and its checked deliverables.

Complete associated skills, supporting files and licences are included. Choose only the methods needed for the actual task. Keep context, working files and accepted feedback in your AI project.

Use this specialist through MCP or the API

Call prepare_specialist with role_id stock-margin-of-safety only. No task is required to load it. Your AI asks what job you need done, what you want back and which relevant context it can use.

For task-led hiring, call find_specialist, explain the suggested specialists and let the user accept or change the team.

Complete ZIP: Download base specialist. API: GET /api/v1/specialists/stock-margin-of-safety/pack. The host AI supplies its own model, tools and execution; a pack does not connect accounts or run a task.

Inputs and helpful context

The specialist starts from the task brief. Only active methods require their inputs.

For the primary method, when used

• The purchase and the price, in a sentence or two
• Normal earnings per share as a range (the result of "Find a company's real earning power and its tricks")
• The latest balance sheet with the notes
• The share count
• Today's bond yield (optional)

Tools and access

• Any good chat AI: Applying a fixed test and listing questions is text work. It cannot supply facts it does not have.
• A licensed financial adviser: Needed for any large or personal decision. This skill is not advice.
• Any good chat AI: Picking a multiple with reasons and splitting a price is text work. It cannot look up prices.
• A spreadsheet: Handy for the three-point range and the yield.
• A licensed financial adviser: Needed for a large or personal decision. This skill is a method, not advice.
• Any good chat AI: Reading a balance sheet and applying markdowns is text work.
• A spreadsheet: Handy for the asset classes and per-share figures.
• Claude, ChatGPT or Gemini: Combining two estimates and writing a reasoned verdict is text work. No files, web access or paid tools needed.

Functions and deliverables

• Stock valuation margin-of-safety reviewer: Share earnings, asset records and a dated share price. Get estimated earnings value, asset recovery and the gap from price.
  • A first label of investment or speculation
  • A low, middle and high value from earnings, and how much of the price is hope
  • An asset floor of book value, net current assets and sale values, with a cash strength rating
  • A verdict of margin of safety present, no clear margin, or price above value
• Investment or speculation sorter: Paste a purchase you are weighing and why. This investment or speculation sorter labels it and lists the questions a careful buyer asks.
  • A label: investment or speculation, with the reasons
  • What you would own in the thing, in plain words
  • A rough value as a range, with its assumptions, set against the price
  • The questions a careful buyer asks, with what you know and what you do not
• Earnings-based share value calculator: Build low, middle and high share-value scenarios from normal earnings. Get the multiples, debt checks and a comparison with the supplied price.
  • A multiple with the reason for it
  • A low, middle and high value per share and in total
  • A cross-check against interest rates
  • The earnings yield and whether it clears the floor
  • A nonnegative model price breakdown, plus any separate value-versus-price gap, or an unresolved result
• Business asset value estimator: Share a balance sheet, earnings, share count and price. Get rough asset sale values, cash checks and gaps to investigate.
  • Tangible book value, net current assets and cash assets per share
  • Typical and harsh sale values with the markdowns shown
  • A comparison with the price
  • How many years of current losses the cushion could absorb
  • A cash strength rating of strong, adequate or weak
• Investment margin of safety reviewer: See if a price leaves a real margin of safety against your value range and asset floor, and what caused and could close the gap.
  • One range of approximate value, with its width
  • Where the price falls against it, whether above, inside or below the low end
  • The margin compared with the uncertainty
  • A likely cause of the gap, tested against real decline
  • What could close the gap, how slowly, and the downside if it does not
  • A verdict with ranked reasons and what would change it
  • A list of every input marked MISSING
• me.md builder: Answer a few questions, or let your AI use what it remembers. Get one private file that tells any AI who you are.
  • One me.md file with up to ten dated sections
  • A list of facts taken from memory, for you to check
  • A short note of what it removed for privacy
  • The two next steps, to save it and set it up
• Benjamin Graham: Learn to separate price from value using Benjamin Graham’s recorded frameworks. Check the evidence, the downside and the room for error.
  • Your problem worked on the way Benjamin Graham would: their questions, their method, their push-back
  • The answer or the work, in Benjamin Graham's voice, using their ideas by name
  • Anything that goes beyond their public record, marked
  • One suggested next step
• Warren Buffett: Review a business using Warren Buffett’s recorded principles. Check how it earns, what protects it, how managers use cash and which facts remain uncertain.
  • Your problem worked on the way Warren Buffett would: their questions, their method, their push-back
  • The answer or the work, in Warren Buffett's voice, using their ideas by name
  • Anything that goes beyond their public record, marked
  • One suggested next step

Tasks you can use it for

• You are thinking of buying shares or a small business and want to compare price with value.
• A share price looks cheap, or very high, and you want to know how much rests on hope.
• You want to write down your reasons before you commit money.

Limits to check before starting

• You only want the asset side of the picture: use the Business asset value estimator.
• You want to know if debt and preferred dividends are covered by earnings: use the Debt and preferred dividend coverage checker.
• The company has no audited accounts or a balance sheet you can trust: ask an accountant to check the numbers first.

Best way to use this role

Give it one clear outcome, the actual files and a definition of done. Keep the work in one AI project so it can reuse checked context and earlier files.

• Download the handoff pack. It has HANDOFF.md and four skill files, in the order they run: Investment or speculation sorter, Earnings value range builder, Asset floor estimator and Price versus value gap judge.
• Give the folder to Claude (in Claude Code, or as files in a Claude Project) and say "Follow HANDOFF.md".
• Paste the earnings range, the balance sheet and the price. It works step by step and saves each result.
• Read the verdict first, then the range and the floor behind it.

Read it as data

Read the complete role setup as JSON. Connect your AI to the AI Blocks MCP library and read aiblocks://roles/stock-margin-of-safety for its role instructions and pinned sources.

This is a prepared AI role. No task has run. Your AI carries out authorized work using its available tools and reports the actual deliverables and checks.