# US 7,882,001 B2 · Graphical system for determining the relative attractiveness of investments > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 7,882,001 B2 - Document ID: US7882001B2 - Status: Granted - Kind: B2 - Application number: 12/132,849 - Filed: 2008-06-04 - Published: 2009-08-06 - Granted: 2011-02-01 - Earliest claimed: 2008-02-01 - Assignees: Infinancials SA - Inventors: Vincent Nahum - Web page: https://patentgrep.com/patent/US7882001B2 ## CPC - G06Q 40/06: Asset management; Financial planning or analysis - G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract A system for scoring and evaluating financial investments including a server accessible by at least one client, a database including a plurality of financial indicators for a plurality of investments, software executing on the server for generating a score for each of at least a portion of the financial indicators for a target investment relative to a reference set of the investments, software for determining a comparison set including at least one of the plurality investments, software for generating a score for the portion of the financial indicators for the comparison set relative to the reference set, software for generating a display of the scores for the target investment, wherein the display includes a chart including an axis extending radially from a point for each of the portion of the financial indicators, wherein each of the scores is plotted along one of the axes. ## Claims ### Claim 1 A system for scoring and evaluating financial investments, comprising: a server accessible by at least one client; at least one database in communication with the server comprising a plurality of financial indicators for a plurality of investments, each of the financial indicators assign-able to one of at least two categories; software executing on said server for generating a score for each of at least a or more of the financial indicators for a target investment relative to a reference set of the investments; software executing on said server for determining a comparison set including at least one of the plurality investments; software executing on said server for generating a score for the at least two or more of the financial indicators for the comparison set relative to the reference set; software executing on said server for generating a display of the score for the target investment; wherein the display comprises a radar chart including a ray extending radially from a center point of said radar chart for each of the at least two or more of the financial indicators, wherein each of the scores is plotted along one of the a-x-e-srays; and wherein said radar chart is divided into two or more sections wherein each of the sections corresponds to one of the categories. ### Claim 2 (depends on 1) The system according to claim 1, wherein each of the financial indicators are assignable to at least four categories, and wherein said radar chart is divided into four or more sections wherein each of the sections corresponds to one of the categories. ### Claim 3 (depends on 1) The system according to claim 1, wherein said software for generating a display of the scores for the target investment further displays the scores for the comparison set. ### Claim 4 (depends on 1) The system according to claim 1, further comprising: a user interface for receiving a selection of the target investment from the at least one client. ### Claim 5 (depends on 1) The system according to claim 1, wherein the reference set is one of an industry, supersector, or sector that comprises the target investment. ### Claim 6 (depends on 5) The system according to claim 5, wherein the comparison set is one of the sector or a subsector that comprises the target investment. ### Claim 7 (depends on 1) The system according to claim 1, wherein the comparison set is select-ably determined by the at least one client. ### Claim 8 (depends on 7) The system according to claim 7, wherein the comparison set consists of a selected group of peer investments in competition with the target investment. ### Claim 9 (depends on 1) The system according to claim 1, wherein each of the scores is a numerical value between zero and about ten. ### Claim 10 (depends on 1) The system according to claim 1, further comprising: software executing on said server for determining an aggregated score for each of the categories for the target investment; software executing on said server for determining an aggregated score for each of the categories for the comparison set; and wherein the display includes each of the aggregated scores. ### Claim 11 (depends on 1) The system according to claim 1, wherein the radar chart includes a first continuous line surrounding the center point and connecting each of the scores for the target investment and second continuous line connecting each of the scores for the comparison set. ### Claim 12 (depends on 11) The system according to claim 11, wherein an area defined within the first continuous line is indicative of the attractiveness of the target investment. ### Claim 13 (depends on 2) The system according to claim 2, wherein the at least four categories include growth, profitability, risk and value. ### Claim 14 (depends on 13) The system according to claim 13, wherein the growth category includes two or more financial indicators selected from a group consisting of net sales growth, net income growth, an earnings per share estimate, inventories growth, and accounts receivable and payable growth. ### Claim 15 (depends on 13) The system according to claim 13, wherein the profitability category includes two or more financial indicators selected from a group consisting of EBIT margin, return on capital employed, dividend yield, operating margin, and free cash flow margin. ### Claim 16 (depends on 13) The system according to claim 13, wherein the risk category includes two or more financial indicators selected from a group consisting of beta, historical volatility, daily volume average, size of market capitalization, net debt to market capitalization, liquidity, and capital structure. ### Claim 17 (depends on 13) The system according to claim 13, wherein the value category includes two or more financial indicators selected from a group consisting of price to earnings per share, EV to net sales, EV/EBITDA, EV/EBIT, price to book, price to cash flow, and price to earnings growth ratio. ### Claim 18 (depends on 2) The system according to claim 2, wherein the at least four categories includes a growth category comprising at least net sales growth, EBIT growth, and EPS growth . ### Claim 19 (depends on 2) The system according to claim 2, wherein the at least four categories includes a profitability category comprising EBIT margin and at least one of ROCE and ROE. ### Claim 20 (depends on 2) The system according to claim 2, wherein the at least four categories includes a risk category comprising at least volatility, and net debt to market cap. ### Claim 21 (depends on 2) The system according to claim 2, wherein the at least four categories includes a value category comprising at least PE, EV/EBITDA, and EV/EBIT. ### Claim 22 (depends on 1) The system according to claim 1, wherein the display further comprises one or more data tables including an actual value for each of the financial indicators corresponding to each of the displayed scores. ### Claim 23 (depends on 1) The system according to claim 1, wherein said database includes at least one database remote to said server and accessible via a communication network. ### Claim 24 (depends on 1) The system according to claim 1, wherein the at least two or more of the financial indicators includes three or more of the plurality of financial indicators. ### Claim 25 (depends on 24) The system according to claim 24, wherein the least two or more of the financial indicators includes no more than ten of the plurality of financial indicators. ### Claim 26 A system for scoring and evaluating financial investments, comprising: at least one database comprising a plurality of financial indicators for a plurality of investments, each of the financial indicators assignable to one of at least two categories; software executing on a computer for generating a score for each of at least a two or more of the financial indicators for a target investment relative to a reference set of the investments; software executing on said computer for determining a comparison set including at least one of the plurality investments; software executing on said computer for generating a score for the at least two or more of the financial indicators for the comparison set relative to the reference set; software executing on said computer for generating a display of the scores for the target investment; wherein the display comprises a radar chart including an a-xsray extending radially from a center point of said radar chart for each of the least two or more of the financial indicators, wherein each of the scores is plotted along one of the a-xe srays; and wherein said radar chart is divided into two or more sections wherein each of the sections corresponds to one of the categories. ### Claim 27 (depends on 26) The system according to claim 26, wherein each of the financial indicators are assignable to at least four categories, and Wherein said radar chart is divided into four or more sections wherein each of the sections corresponds to one of the categories. ### Claim 28 A method for scoring and evaluating financial investments, comprising the steps of: receiving, on a computer, a selection of a target investment; determining, via software executing on the computer, a reference set of investments; receiving a plurality of financial indicators for the target investment and the reference set of investments; generating, via software executing on the computer, a score for each of at least a two or more of the financial indicators for the target investment relative to the reference set; determining one or more comparison investments; generating, via software executing on the computer, a numerical score for the at least two or more of the financial indicators for the comparison investments; generating, via software executing on the computer, a display comprising a radar chart including arav extending radially from a center point of said radar chart for each of the at least two or more of the financial indicators, wherein said radar chart is divided into two or more sections wherein each of the section corresponds to a category of financial indicators; and displaying each score along the a-x, srav corresponding to the financial indicator pertaining to the score. ### Claim 29 (depends on 28) The method according to claim 28, further comprising the step of: comparing, via software executing on the computer, the scores displayed for the target investment to the scores displayed for the comparison investments to determine the relative attractiveness of the target investment. ### Claim 30 (depends on 28) The method according to claim 28, further comprising the step of: generating, via software executing on the computer, a first continuous line connecting each of the scores for the target investment and second continuous line connecting each of the scores for the comparison investments. ### Claim 31 (depends on 28) The method according to claim 28, wherein the reference set of investments includes investments in a particular industry sector associated with the target investment. ### Claim 32 (depends on 31) The method according to claim 31, wherein the comparison investments include a subsector of the industry sector. ### Claim 33 (depends on 28) The method according to claim 28, wherein the comparison investments include a selected portfolio of investments. ### Claim 34 (depends on 28) The method according to claim 28, wherein said step of generating a numerical score for each of at least two or more of the financial indicators includes generating a table for each financial indicator including an actual value of the financial indicator for each of the target investment and the reference set, sorting the actual values from lowest to highest, and distributing the values into ten groups of equal size. ### Claim 35 (depends on 28) The method according to claim 28, further comprising the steps of: determining an aggregate score for each of the categories for the target investment via software executing on the computer; and determining an aggregate score for each of the categories for the comparison investments via software executing on the computer. ### Claim 36 A system for scoring and evaluating financial investments, comprising: a server accessible by at least one client; at least one database in communication with the server comprising a plurality of financial indicators for a plurality of investments, each of the financial indicators assignable to one of at least four categories; software executing on said server for generating a score for each of at least two or more of the financial indicators for a target investment relative to a reference set of the investments; software executing on said server for determining a comparison set including at least one Of the plurality investments; software executing on said server for generating a score for the at least two or more of the financial indicators for the comparison set relative to the reference set; software executing on said server for generating a display of the scores for the target investment, the display comprising a radar chart including a ray extending radially from a center point of said radar chart for each of the at least two or more of the financial indicators, wherein each of the scores is plotted along one of the rays; wherein said radar chart is divided into four or more sections wherein each of the sections corresponds to one of the at least four categories; and wherein the radar chart includes a continuous line surrounding the center point and connecting each of the scores for the target investment.