# Tenet Investing

> Your complete stock research toolkit, with an AI Buddy beside you. Screener, ETF tools, playbooks and AI connectors for ChatGPT and Claude. Free to start.
> Tenet is a research tool, not investment advice: it doesn't tell you what to buy or sell, and the decision stays yours.

## Why Tenet

Tenet Investing is for investors who want the numbers behind a stock, not a rating. Every Tenet Score carries the date it was computed, its formula is published on the methodology page, and the score and its math are free on every US stock, with no sign-in. Playbooks run published rules nightly and show which rules each stock meets or misses. Financial statements go back 5 years on Free, 10 on Premium and 20 on Ultimate, with ratios to 20 years and price charts to 10 years and Max. AI Buddy is included on the free plan. Premium is $12 a month or $119 a year, $9.92 a month on the annual plan, and includes the screener with factor grades and 100 rows a window, every playbook name, 3-stock compare and the ETF shared-holdings breakdown, 1 connected brokerage, live prices, 50 AI Buddy ideas a day and 150 AI Research questions a month. A read-only connector brings the same dated figures into ChatGPT and Claude. Tenet takes no money from the companies it covers and gives no buy, sell or hold signal.

## What Tenet does

### Stock reports: one per US stock, at /stock/{SYMBOL}/{tab}

- [Overview](https://tenetinvesting.com/stock/AAPL/overview): the Tenet Score with its Value, Quality, Health and Growth readings against sector peers, a quote and the price chart.
- Price chart: intraday 1D and 5D, 1M, 3M, 6M, YTD, 1Y, 5Y, 10Y and Max, each range with its return.
- [Financials](https://tenetinvesting.com/stock/AAPL/financials): the income statement, balance sheet and cash flow statement. Annual statements go back 5 years on Free, 10 on Premium and 20 on Ultimate, to 2007 where the filer has them; quarterly statements go back 1 year on Free, 5 on Premium and the full record on Ultimate. CSV export on Premium and Ultimate.
- Statistics: key ratios such as P/E, ROIC, margins and debt, with the Piotroski F-Score and Altman Z-Score.
- Historical ratios (/stock/{SYMBOL}/historical): ratios by fiscal year (P/E, ROE, margins), going back 2 years on Free, 5 on Premium and 20 on Ultimate. CSV export on Ultimate.
- Tenets: named stock checks (Piotroski, Graham, Buffett and more), each shown criterion by criterion with its pass rule.
- Earnings: quarterly EPS and revenue against estimates, and report dates.
- Dividends: yield, payout and history, with a dividend-safety grade where the company pays.
- Ownership: 13F institutional holders and insider trades.
- Technical: a chart workbench with SMA, EMA and WMA overlays and a two-sigma band, and RSI, MACD, ADX and Williams %R panes.
- Analyst: analyst estimates and P/E history.
- News: headlines and upcoming events.
- Actions: stock splits, buybacks and dividend changes.
- Share cards: a stock link pasted into X, LinkedIn, Reddit, iMessage or Slack previews as a card with its Tenet Score.

### Screener, playbooks and market maps

- [Screener](https://tenetinvesting.com/screener): filter the US market by valuation, quality, health and yield, ranked by the Tenet Score. Presets for Value, Long-term, Income, Growth and Timing; saved screens; factor grades on Premium and Ultimate; custom formula screens on Ultimate; CSV export on Ultimate.
- [Playbooks](https://tenetinvesting.com/playbooks): published investor rule sets, rerun nightly, with every rule a stock meets or misses and the names that joined or left since the last run. Free shows the first 5 names on each list.
- [Explore by industry](https://tenetinvesting.com/explore): the US market by sector and industry, what each one does and the Tenet-scored names inside it.
- Stock directories: [A to Z](https://tenetinvesting.com/stocks/a-z), plus a page per sector (/stocks/sector/{slug}) and per industry (/stocks/industry/{slug}).
- [Corporate actions](https://tenetinvesting.com/actions): delistings and fund closures removed from the US universe, each with a plain-English read.
- [Dividend calculator](https://tenetinvesting.com/tools/dividend-calculator): what an amount in a dividend-paying stock pays year by year, prefilled from that company's dated record (its yield at the latest close and its five-year dividend growth), with dividends reinvested or taken as cash and the share price held flat (an assumption, not a forecast), and the Dividend Safety grade beside the result where the company is graded. One page per stock at /tools/dividend-calculator/{SYMBOL}.

### Compare

- [Stock compare](https://tenetinvesting.com/compare): two stocks on one page, A against B: score, factors, margins and valuation in matching rows.
- A vs B pages at /compare/{A}-vs-{B} for the pairs people actually weigh, listed in the sitemap.

### ETFs

- [ETF explorer](https://tenetinvesting.com/etf-explorer): screen the whole US-listed ETF universe by cost, income, size and theme.
- ETF reports at /etf/{SYMBOL} (for example /etf/SPY): snapshot, performance (1, 3, 5 and 10-year returns), income and distribution history, holdings, sector exposure and fees.
- [ETF compare](https://tenetinvesting.com/etf-compare): cost and composition in matching rows, with the overlap computed; the shared-holdings breakdown on Premium and Ultimate.
- [ETF exposure](https://tenetinvesting.com/etf-exposure/AAPL): which ETFs hold a given stock.
- [Core Plan](https://tenetinvesting.com/core-plan): pick a few low-cost core ETFs, set a monthly contribution, and see a labeled planning range with fee drag and overlap warnings. Not a recommendation.

### Your portfolio, watchlists and alerts

- [Portfolio](https://tenetinvesting.com/portfolio): one account at a time: what you hold, what it is worth and what you paid, each dated, with options in their own block.
- Brokerage connections, read-only: a connection cannot trade or move money. Connections: Premium 1, Ultimate 10.
- [Holdings upload](https://tenetinvesting.com/portfolio/import): read a holdings file into one account; every row that would change is shown before anything is written.
- Portfolio refreshes: ask your brokerage for fresh holdings during the trading day. Your brokerage data otherwise updates every night.
- [Statement](https://tenetinvesting.com/portfolio/statement): brokerage records by month (trades, income, fees, cash movements, corporate actions). [News on your names](https://tenetinvesting.com/portfolio/news): headlines on what you hold.
- [Watchlist](https://tenetinvesting.com/watchlist): your saved symbols with price, Tenet Score and 52-week position.
- [Alerts](https://tenetinvesting.com/alerts): playbook entry and exit, score band changes, price levels, earnings reminders, dividend raises and cuts, qualified dips, and trend moves (a cross above the 200-day average, a golden cross, a new 52-week high).
- [Research Home](https://tenetinvesting.com/home): search, an index strip, market pulse, a sector snapshot, your watchlist with a monthly hold review, and the AI Buddy card.
- Live prices stream on Premium and Ultimate while a live slot is available; otherwise quotes are delayed, refreshed up to every 10 s.

### AI

- AI Buddy: on every page, free after sign-in; it shows both sides of an idea and never names a stock for you on its own. Questions a day: Free 5, Premium 50, Ultimate 100.
- [AI Research](https://tenetinvesting.com/copilot): ask about any score, tenet receipt or financial line. It explains; it does not recommend. Questions a month: Free 15, Premium 150, Ultimate 600.
- [AI connector for Claude and ChatGPT](https://tenetinvesting.com/mcp): an MCP server that lets Claude or ChatGPT read Tenet's research data. Read-only, and every answer is dated and sourced. Included with Ultimate. Server address: https://mcp.tenetinvesting.com/mcp
- Connector scopes: mcp:read (always part of the connection), portfolio:read (only when you tick it).
- Connector tools, by wire name: resolve_symbol: Find a ticker; get_overview: Company overview and Tenet score; get_score_math: Score receipt (show the math); get_tenets: Tenet evaluations; get_company_info: Company profile; get_financials: Annual financials; get_statement_detail: Full statement line items; get_ratio_history: Ratio history; get_key_metrics: Key metrics; get_growth_rates: Growth rates; get_peers: Sector peers; get_dcf: Discounted cash flow model; get_price_factors: Price-action factors; get_dip_setup: Qualified Dip receipts; rank_universe: Rank the universe by score; screen_run: Run a screen; list_screens: List Tenet playbooks; screen_members: Playbook members; screen_diff: Playbook entries and exits; score_movers: Score movers; score_batch: Score a basket; ledger_performance: Playbook track record; ledger_positions: Playbook positions; dividend_safety: Dividend-safety receipt; dividend_history: Dividend history; factor_history: Price-factor history; market_actions: Corporate actions feed; adr_confidence: ADR confidence verdict; entitlements: What this plan includes; search: Search for a company (deep research); fetch: Fetch a company document (deep research); my_positions: Your holdings, read-only; my_research: Tenet research on your holdings.
- Claude is a trademark of Anthropic. ChatGPT is a trademark of OpenAI. Tenet is not affiliated with either.

### Learn

- [Methodology](https://tenetinvesting.com/methodology): the Tenet Score's formulas, every screen's exact criteria and the ledger's anti-bias rules.
- [About](https://tenetinvesting.com/about): who runs Tenet and how the numbers are made.
- [Is Tenet Investing worth it? Our own review](https://tenetinvesting.com/compare-tools/tenet-investing-review): what it costs, what is free, what it lacks and who should choose it, with every rival figure sourced and dated.
- [Compare tools](https://tenetinvesting.com/compare-tools): Tenet beside six other stock research tools, one page each, with what each does and costs and every fact about another tool linked to the page on its own site, checked October 17, 2026.
- [The best stock research websites in 2026, by use case](https://tenetinvesting.com/compare-tools/best-stock-research-websites): seven tools grouped by what each is best for, no overall rank; Tenet under "Best all-in-one toolkit for everyday US investors". Each tool has its pros, its cons, its price and the facts its verdict rests on, every fact about another tool linked to the page on its own site.

## What each plan includes

Prices in USD. Each row is the row [/pricing](https://tenetinvesting.com/pricing) prints; "yes" and "no" mean included or not.

- Free: $0
- Premium: $12 a month, or $119 a year ($9.92 a month on the annual plan; annual saves $25)
- Ultimate: $25 a month, or $249 a year ($20.75 a month on the annual plan; annual saves $51)

| | Free | Premium | Ultimate |
|---|---|---|---|
| Statements history | 5 | 10 | 20 |
| Quarterly statements | 1 | 5 | Unlimited |
| Ratio history | 2 | 5 | 20 |
| Playbook member lists | 5 | All names | All names |
| Compare slots | 2 | 3 | 3 |
| Imported accounts | 1 | 3 | Unlimited |
| Positions valued per portfolio | 15 | Unlimited | Unlimited |
| Brokerage connections | no | 1 | 10 |
| Portfolio refreshes | no | 10 | 20 |
| Screener rows | 10 | 100 | Unlimited |
| Factor grades | no | yes | yes |
| Saved screens | 1 | 3 | Unlimited |
| Custom formula screens | no | no | yes |
| ETF holder rows | 5 | 500 | 500 |
| Shared-holdings breakdown on compare | no | yes | yes |
| Saved ETF plans | no | 1 | Unlimited |
| Watchlists | 1 | 10 | Unlimited |
| Tickers per watchlist | 15 | 50 | 50 |
| Watchlist notes | no | no | yes |
| Alerts | 3 | 25 | Unlimited |
| Live prices | Delayed, refreshed up to every 10 s | Live, while a slot is available | Live, while a slot is available |
| AI Buddy questions a day | 5 | 50 | 100 |
| AI Buddy questions a month | 50 | 500 | 1,000 |
| AI Research questions a month | 15 | 150 | 600 |
| Statements CSV | no | yes | yes |
| Ratio history CSV | no | no | yes |
| Screener CSV | no | no | yes |
| AI connector for Claude and ChatGPT | no | no | yes |

## Questions and answers

**Is Tenet free?**
Yes, to start, with no card. The Tenet Score and its math are never paywalled, on any stock. Free includes AI Buddy after sign-in (5 ideas a day), 15 AI Research questions a month and the first 5 names on every playbook. Premium is $12 a month or $119 a year; Ultimate is $25 a month or $249 a year.

**Is Tenet investment advice?**
No. Tenet is a research tool. It shows the numbers behind each stock and fund, how every score is calculated, and both sides of an idea. It doesn't tell you what to buy or sell, and the decision stays yours.

**Who is Tenet for?**
Investors who want the numbers behind a stock, not a rating. Its founder built it on the view that retail investors deserve the same quality of research as professionals, at a price that is fair to them.

**What does the Tenet Score measure?**
It rates a company's filings against its own sector from 0 to 100 (higher is better), reported with one of four verdict words: Strong, Solid, Mixed or Weak. Under it sits every metric, with its value, its sector percentile and the date it was computed. The formulas are published on the methodology page.

**What is AI Buddy?**
An AI guide on every page of Tenet, free after sign-in. Tell the guide an idea in your own words. It finds the page and the number that test it, and leaves the decision to you. AI Research, inside it, takes deeper questions about the numbers. Educational, not advice. The guide can be wrong; the page it opens shows the numbers.

**Does Tenet work with ChatGPT and Claude?**
Yes. The Tenet connector is an MCP server that lets ChatGPT or Claude read Tenet's research data, read-only, with every answer dated and sourced. It is included with Ultimate.

**Can Tenet see my brokerage?**
Only if you connect one, and then read-only: a connection cannot trade or move money. Brokerage connections come with Premium and Ultimate, and a holdings file can be uploaded instead on every plan. An AI connector sees your positions only through its portfolio:read scope, which is granted only when you tick it: the positions in the brokerage accounts you have linked and switched on at Tenet, priced at the last close. Nothing can be changed, traded or moved.

**Where does the data come from?**
From licensed market-data vendors, credited by name at the foot of every page. Tenet computes the analytics and the score from that data, recomputes them nightly, and puts a date on every figure it shows.

**How is Tenet paid for?**
By subscriptions to Premium and Ultimate, and by advertising once it launches. It takes $0 from the companies it covers.

**Who builds Tenet?**
Tenet Investing Inc., built in Toronto. Its founder, Sid Verma, is a data scientist, and the Knowledge Base is written by Arushi Midha.

## Knowledge Base

[Knowledge Base](https://tenetinvesting.com/resources/knowledge-base) and [Academy](https://tenetinvesting.com/resources/academy) (guided paths through it): investor education written by Arushi Midha.

- [Investing Fundamentals](https://tenetinvesting.com/resources/knowledge-base/investing-fundamentals): the market, value investing, compounding, cycles
- [Financial Statements](https://tenetinvesting.com/resources/knowledge-base/financial-statements): the three statements, 10-Ks and SEC filings
- [Business Analysis](https://tenetinvesting.com/resources/knowledge-base/business-analysis): moats, pricing power, management, capital allocation
- [Financial Ratios & Metrics](https://tenetinvesting.com/resources/knowledge-base/financial-ratios): every ratio with formula, benchmarks and traps
- [Valuation](https://tenetinvesting.com/resources/knowledge-base/valuation): intrinsic value, margin of safety, DCF, relative valuation
- [Portfolio Management](https://tenetinvesting.com/resources/knowledge-base/portfolio-management): building, sizing, buying, selling and rebalancing
- [Investing Psychology](https://tenetinvesting.com/resources/knowledge-base/investing-psychology): fear and greed, biases, staying rational in crashes
- [Financial Statement Walkthroughs](https://tenetinvesting.com/resources/knowledge-base/statement-walkthroughs): real annual reports read line by line
- [Company Analysis](https://tenetinvesting.com/resources/knowledge-base/company-analysis): the Tenet lens on real businesses, data as-of dated
- [Industry Analysis](https://tenetinvesting.com/resources/knowledge-base/industry-analysis): how to analyze banks, software, insurance, REITs and more
- [Historical Investment Case Studies](https://tenetinvesting.com/resources/knowledge-base/investing-history): the great compounders and failures, from Coca-Cola to Kodak
- [Investment Decision Walkthroughs](https://tenetinvesting.com/resources/knowledge-base/decision-walkthroughs): valuation questions as frameworks, never recommendations

## Facts for citing

- Name: Tenet Investing (short form Tenet), https://tenetinvesting.com. Operated by Tenet Investing Inc.; built in Toronto.
- Data: licensed market-data vendors, credited by name at the foot of every page; analytics and the Tenet Score computed by Tenet.
- Numbers are dated on-page ("Computed <date> · fiscal period ending <date>"); cite Tenet and the on-page date. Knowledge Base articles carry a byline, a publication date and, for case studies, a data as-of date.
- Not investment advice: research and education only. $0 from issuers.
- Full URL inventory: https://tenetinvesting.com/sitemap.xml
- Fact sheet: https://tenetinvesting.com/about
- Our own review, with limits and rivals named: https://tenetinvesting.com/compare-tools/tenet-investing-review
- Comparisons with other research tools, every fact sourced: https://tenetinvesting.com/compare-tools