A friendly, editable DCF for stocks worldwide — one calculator, though, and notes without a review date.
| Feature | Lemma Analysis | Stock Unlock |
|---|---|---|
| Editable DCF | ✓ | ✓ |
| Four intrinsic-value models, side by side | ✓ | One DCF calculator |
| Seven valuation multiples vs. the company’s own history | ✓ | Valuation Score |
| Business quality score | 0–10, every plan | 1–5, some stocks free |
| Investment thesis journal with review dates | ✓ | Notes |
| Read-only sync with 30+ brokerages | ✗ | ✓ |
| Markets covered | US only | 70+ exchanges |
| Valuation on the free plan | Paid after 7-day trial | 3 DCFs a week |
| Free to start | ✓ | ✓ |
Stock Unlock column checked against Stock Unlock’s own pages on . Its cheapest paid plan, Pro, lists at $9.00/mo · $90.00/yr in US dollars before tax and promotions — vendors change their prices, so check theirs before you buy.
Stock Unlock is a research tool built around valuation for individual investors. Its DCF calculator projects one of seven base metrics — free cash flow, operating cash flow, net income, EBITDA and others — up to ten years ahead, with the growth rate, the discount rate and the terminal multiple yours to change, and its Stock Scores grade companies from one to five across seven categories. It reaches more than 170,000 stocks and ETFs on seventy-odd exchanges and links brokerage accounts read-only. It is one of the closest tools to what we do, at a similar price; the differences are how many methods stand behind the figure you are shown, and what happens to your reasoning after you buy.
An editable DCF that starts from any of seven base metrics, saves your calculations and sets buy-target alerts on the result.
Stock Scores from one to five across seven categories, built on decades of point-in-time history.
Global coverage, a screener that filters on its scores, and read-only sync with more than thirty brokerages.
Stock Unlock runs one DCF on the base metric you pick. Lemma Analysis prices the company four ways — Advanced DCF, Ben Graham, Simple DCF and the Dividend Discount Model — on one axis against today’s price, says which methods fit this company, and keeps no blended figure to hide where they disagree. Part of Ultimate, seven days of which comes with every new account.
Each model carries a bear, a base and a bull case rather than one point estimate, so the spread of outcomes is on the page before you commit to a number.
The Fair Value tab sets seven valuation multiples against the company’s own history — a second reading beside the models, and a quick check on a DCF that looks too generous.
Stock Unlock’s journal keeps notes on any stock. Here each thesis carries a review date and a status — on track, review due, overdue — so reaffirming or exiting is a decision you are asked to make, not one you have to remember.
Stock Unlock covers seventy-odd exchanges; Lemma Analysis covers companies listed on NASDAQ and NYSE and nothing else.
If a single editable DCF with buy-target alerts covers your process, Stock Unlock does it well. Four models are worth having only if you will read where they disagree.
Stock Unlock links more than thirty brokerages read-only. Lemma Analysis connects Trading 212 and Interactive Brokers on Ultimate and imports CSV exports from others — a shorter list.
Sign up in a moment — no credit card. Seven days of Ultimate come with it; the portfolio, the watchlists and the Quality Score stay free afterwards.
Open any ticker’s Intrinsic Value tab: Advanced DCF, Ben Graham, Simple DCF and the Dividend Discount Model, drawn on one axis against today’s price, with every assumption editable and a bear/base/bull case behind each.
Screen for candidates, then track them on a watchlist with a margin-of-safety target so each name carries an undervalued / fair / rich signal.
Record why you own each position and give it a review date. Reaffirm or exit when the date comes due — a habit the other tools don’t give you.
Lemma Analysis runs Advanced DCF, Ben Graham, Simple DCF and the Dividend Discount Model on the same company and draws them on one axis against today’s price, with a bear, base and bull case behind each and a stated reason beside any model that does not fit. It is part of Ultimate, and every new account gets seven days of it without a card.
Four models side by side instead of one DCF, seven multiples judged against the company’s own history, a five-pillar Quality Score on every company and every plan, and a thesis journal whose entries come due on a review date. Stock Unlock reaches more markets and more brokers, and we say so.
Not past the trial in Lemma Analysis, and we would rather say so here: the four models are part of Ultimate, and every new account gets seven days of them without a card. Stock Unlock’s free plan allows three DCF valuations a week, which is more than ours does after the trial.
Closely. Ultimate is $8.99 a month or $79.99 a year, with no tier above it; Stock Unlock’s Pro plan is printed under the comparison table with the day we read it. Choose on the method, not the price.
There is no direct import from Stock Unlock. Watchlists are quick to rebuild by ticker, and a portfolio comes across as transactions — typed in on the free plan, which holds 1 portfolio of up to 10 positions, or on Ultimate imported from your broker’s CSV export or synced from Trading 212 or Interactive Brokers. Start with the positions you know least well; that is where a written thesis earns its keep.
Free to start, seven days of Ultimate with it, no credit card.