MoatLens — Clarity. Quality. Compounding.
Android · EU & UK · free to start

Before you buy a stock,
understand the business.

What is actually behind the price? MoatLens helps you truly understand companies — from business model and moat to ten years of figures and metrics explained in plain words.

Understanding is the first step — MoatLens keeps the rest in view: watch companies, follow dividends, save your analyses and capture your own investment theses in the journal.

No investment advice · no brokerage connection needed · made in Germany · data licensed from Financial Modeling Prep

What you get out of it

Understand the business first. Then everything else.

A good company is not automatically a good stock. MoatLens flips the usual order.

10 years of fundamentals

Revenue, earnings, margins, free cash flow and return on capital as a ten-year trend — so you see a development, not just a snapshot.

Every metric in plain language

P/E, ROE, ROIC, debt, margins, dividend yield: what the metric means, what counts as solid and where the typical traps are.

Annual reports made understandable

AI-assisted, descriptive summaries: business model, management, capital allocation, competitive advantage and risks — instead of a 200-page PDF.

Your share of the business

Buybacks or dilution? The share count over the years shows whether your slice of the business grew or shrank.

Dividend calendar

Ex-dates and pay dates at a glance, plus dividend history over the years and a tax calculator for your income.

Watchlist, portfolio check & journal

Watchlists with a quality overview, a look at the structure of your portfolio and a journal to write down your own thesis.

A look inside

Easy to use, easy to understand

Real views from the app. Companies shown are examples, not recommendations. (Tap to enlarge · use the arrows or swipe)

Ten years, not a snapshot
Ten years, not a snapshot
Is your share of the business growing or shrinking?
Is your share of the business growing or shrinking?
What it is worth to you is your call
What it is worth to you is your call
Check the structure of your portfolio
Check the structure of your portfolio
Every tool in one place
Every tool in one place
Write down your own investment thesis
Write down your own investment thesis
Stance

What MoatLens deliberately does not do

The most important part of an analysis app is sometimes what it leaves out.

Not in the app

  • No buy or sell recommendations
  • No price targets of our own, no trading signals
  • No red panic notifications
  • No promises of returns
  • No brokerage connection needed

Instead

  • A quality score computed by fixed rules, identical for every user
  • Every factor expandable and explained rather than asserted
  • An AI that only describes — it deliberately never sees the share price
  • No verdict at all rather than a shaky one when the data is too thin
  • For context: consensus and price targets from external analysts — clearly labelled as third-party market opinion, never as a recommendation
  • A calm, dark design without “buy now” buttons
Who it is for

Built for people who want to know for sure

For beginners

You want to learn how to read a company without a finance degree. Every metric comes with an everyday-language explanation.

For long-term investors

You hold companies for years and want to know whether the business behind them is actually developing well.

For dividend investors

You want payout history, ex- and pay dates, and the question of whether payments are covered by the operating business.

“Prices move daily. Quality changes slowly.”

View on Google Play

Free to start · Android · available in the EU and the UK

FAQ

Frequently asked questions

What is fundamental analysis?

Fundamental analysis looks at the company behind the share instead of the price chart: revenue, earnings, margins, free cash flow, debt and return on capital over several years. The aim is to understand how the business works and how stable it is. MoatLens shows these figures across ten years and explains each one in everyday language.

Does MoatLens give buy recommendations?

No. MoatLens gives no buy or sell recommendations, no price targets of its own and no trading signals. For context, the app shows the consensus and price targets of external analysts — clearly labelled as third-party market opinion. The app describes metrics and business models and explains what they mean — the conclusion stays with you. MoatLens is not investment advice, it is an analysis and education tool.

What is the MoatLens Score?

The score summarises how a company performs across eight criteria — six from the balance sheet and income statement, two involving the share price (price/earnings ratio and dividend yield, together 18 % of the weighting). The result ranges, from “Exceptional” to “Weak”. It is computed from fundamentals by fixed rules, is identical for every user and can be opened factor by factor. It describes the strength of the business — not whether a share should be bought.

Do I need to connect my brokerage account?

No. MoatLens does not connect to any broker and never asks for portfolio data. You look up a stock, MoatLens shows the analysis — what you own stays with you.

What does MoatLens cost?

Starting is free. Premium unlocks the AI-assisted analyses and the annual-report summaries — either as a subscription or via one-off credit packs. No brokerage connection is required.

Which devices and countries?

MoatLens is currently available for Android on Google Play, in the EU and the UK. Languages: German, English, French and Spanish. More countries and an iOS version are planned.

Where does the data come from?

The fundamental data is licensed from Financial Modeling Prep. The quality score is computed deterministically from it by fixed rules. The AI explains the numbers but deliberately never sees the share price — so it cannot make any statement about buying, selling or timing.

Who is behind MoatLens?

MoatLens is a one-person project from Germany. The app is young and gets better with every user — feedback goes straight to the person building it: support@moatlens.app.