About ValueMarkers
Professional-grade stock analysis for value investors, built by Javier Sanz Alvarez
Institutional-grade analysis without the Bloomberg terminal price tag.
The Founder: Javier Sanz Alvarez
Editorial LeadFounder & Lead Analyst · ValueMarkers
Javier Sanz Alvarez is a software engineer and value investor based in Spain.
Before founding ValueMarkers, Javier built and scaled a regulated broker-dealer platform that grew to serve over 5 million users. That role demanded fluency in financial data infrastructure, real-time compliance systems, and the kind of interface design that earns trust from retail investors.
He founded ValueMarkers to fix a structural problem in retail investing.
Fund managers run Bloomberg terminals, dedicated analysts, and decades of data. Individual investors get search engines and spreadsheets. That gap hurts returns and undermines a basic principle: markets should be open to everyone.
Javier built ValueMarkers as the answer - institutional-grade analysis at a retail price. The platform now covers 100,000+ stocks across 73 global exchanges, with 30 years of financial history and peer-reviewed academic models.
“Every investor deserves to understand the true value of a company,” says Javier. “ValueMarkers makes that possible.”
Credentials & Experience
Professional Background
- Founder & Lead Analyst, ValueMarkers
- Built & scaled a regulated broker-dealer platform to 5M+ users
- Years of hands-on work with SEC filings, financial statements, and equity research workflows
Education
- Self-directed study of value investing classics: Graham, Buffett, Greenblatt, Lynch, Damodaran
- Applied research replicating peer-reviewed academic factor models
- [TODO: formal degree/program to confirm]
Certifications
- [TODO: certifications to confirm — leaving blank rather than fabricating]
Real-World Investing Experience
- Personal long-term value portfolio (skin in the game on the platform's own models)
- Daily review of 120 fundamental indicators across 100,000+ securities
- [TODO: years actively investing + disclosure policy to confirm]
ValueMarkers does not provide personalized investment advice. See the full disclaimer for editorial & compliance posture.
Methodology Philosophy
Glass-box models over black boxes. Every score on ValueMarkers traces back to a published formula and a verifiable data source. The composite scores publish their component weights. The DCF calculator shows every input — revenue growth, operating margins, WACC, terminal growth — and lets users override any assumption.
Transparency compounds: investors who understand why a stock screens well today make better decisions when market conditions change tomorrow.
Read the full VMCI methodology for the academic foundations, scoring algorithm, and version history.
Our Mission
ValueMarkers gives individual investors the analytical depth institutions use - without the Bloomberg price tag.
Fund managers have decades of data, scoring models, and teams of analysts. Retail investors have search engines and spreadsheets.
That gap leads to worse decisions and less wealth creation for the people who need it most.
Every stock in our database - across 73 global exchanges - gets the same rigorous treatment:
- 120 fundamental indicators
- A composite VM Score
- Intrinsic value with a visual margin of safety
- Three independent quality checks (Piotroski, Altman, Beneish)
Methodology
VM Score (0-100)
- Weighted composite of 10 fundamental categories, each built from 5-12 indicators.
- Every indicator becomes a percentile rank. A score of 80 means stronger than 80% of peers.
- Weights follow classic value investing: intrinsic value and profitability lead, momentum trails.
- One comparable number that captures overall fundamental quality.
The Quality Triple Check
- Piotroski F-Score (2000) - 9 binary criteria for financial strength.
- Altman Z-Score (1968) - five ratios for bankruptcy risk.
- Beneish M-Score (1999) - eight ratios for earnings manipulation risk.
- Three independent safety nets against distressed or fraudulent companies.
DCF & Graham Number
- DCF projects free cash flows, discounts at 10%, adds 3% terminal growth.
- Graham Number = √(22.5 × EPS × BVPS) - a conservative second opinion.
- Margin of Safety shows the percentage gap between market price and DCF estimate.
- Analyst plan lets you tune growth rate, discount rate, and projection period.
Data Integrity & Security
- Data sourced from SEC filings, institutional providers, and real-time market feeds.
- Ratios computed from reported statements, never pre-calculated by third parties.
- User data encrypted in transit and at rest. We never sell personal data.
- Payment processing handled by Stripe. We never store card details.
Data Sources
ValueMarkers sources data from SEC filings, licensed data providers, and real-time market feeds.
All providers are institutional-grade services used by professional investment firms worldwide.
Refresh schedule
- Prices: every 5 minutes during market hours
- Financial ratios and scores: every 6 hours
- Full financial statements: daily at market close
- Every data point shows a "last updated" timestamp
Academic Foundations
Our scoring models are grounded in decades of published academic research, not proprietary black boxes. The methodologies we implement include:
- ✓Benjamin Graham - Margin of safety, Graham Number, defensive investor criteria (The Intelligent Investor, 1949)
- ✓Warren Buffett - Owner earnings, durable competitive advantage, ROIC-focused quality screening
- ✓Joel Greenblatt - Magic Formula - earnings yield + return on capital (The Little Book That Beats the Market, 2005)
- ✓Joseph Piotroski - F-Score - 9-point financial strength test (Journal of Accounting Research, 2000)
- ✓Edward Altman - Z-Score - bankruptcy prediction model (Journal of Finance, 1968)
- ✓Messod Beneish - M-Score - earnings manipulation detection (Financial Analysts Journal, 1999)
- ✓Peter Lynch - GARP - growth at a reasonable price, PEG ratio (One Up On Wall Street, 1989)
Investment Disclaimer
ValueMarkers is an analytical tool, not a financial advisor. Nothing on this platform constitutes investment advice. All scores, valuations, and analyses are provided for informational and educational purposes only. Past performance does not guarantee future results. Always conduct your own due diligence and consult a qualified financial professional before making investment decisions.
Read full disclaimer →Our Values
Radical Transparency
Every calculation is visible. Every data point can be traced. We believe in glass-box models, not black boxes-just like Javier Sanz Alvarez designed from day one.
Value-First Design
We optimize for fundamental analysis, not flashy charts. Every feature serves the goal of helping you make better investment decisions.
Continuous Learning
Value investing is an art and science. Javier Sanz Alvarez and the team are constantly refining models and improving based on user feedback.
What ValueMarkers Offers
Founded by Javier Sanz Alvarez, ValueMarkers provides:
100,000+ Global Stocks
Across 73 exchanges worldwide
30 Years of Data
Historical financial information for context
Quality Triple Check
Piotroski, Altman, and Beneish scores
AI-Powered Research
Investment theses on Professional plans
Team
Javier Sanz Alvarez
Founder, Lead Analyst & Editorial Lead
Sets methodology, reviews every published research piece, and owns the editorial standard for data integrity across the platform.
Contact
Questions? Contact us →