User Guide
Everything you need to use Top Stocks and Analyzer with confidence — from your first login to knowing when to sell.
What is Stockgaroo?
Stockgaroo is an institutional-grade investment judgement system built for Bursa Malaysia retail investors. It scores stocks transparently across four financial pillars — no black boxes, no guesswork — and packages that intelligence into two tools.
A ranked, filtered list of the best-scoring Bursa stocks — updated monthly. Start here when you don’t know what to buy. Download the CSV to filter by dividend, growth, or value.
Enter any Bursa stock code for a real-time financial health score, pillar-by-pillar breakdown, consensus label, and sanity checks. Use it before buying — and to know when to sell.
Getting started
Register or log in — free registration at stockgaroo.com unlocks the monthly Top Stocks CSV download and activates your Analyzer access. No payment required, ever.
Browse Top Stocks — the homepage table shows stocks that meet the minimum quality threshold (Score ≥ 70, FP ≥ 65). Tap any column to sort. Download the CSV for deeper filtering.
Analyse before you buy — paste a stock code into the Analyzer to verify live financials. Check OCF, Sanity, and Consensus before committing capital.
Monitor and know when to sell — run the Analyzer on your holdings periodically. The sell signals are objective: negative OCF, Risky consensus, or a failed Sanity check.
What is Top Stocks?
Top Stocks is a curated, scored, and ranked list of Bursa Malaysia stocks that pass a minimum quality threshold. It is updated monthly and is designed for investors who want a reliable starting point — especially when navigating over 1,000 listed securities.
Reading the table
| Column | What it means |
|---|---|
| Score | Overall financial health score out of 100. Higher = stronger fundamentals across all four pillars. |
| FP (Fair Price) | Fair price score out of 100. Higher = greater margin of safety relative to current market price. |
| Consensus | Summary label: FV, FV*, FV**, FV***, or Risky. See the Scores & Labels tab for full definitions. |
| Sanity | Pass/fail overlay on critical health checks — OCF, gearing, and earnings quality. |
| Fair Value | Estimated intrinsic value in RM based on the scoring model. |
| DY% | Dividend yield percentage based on the latest declared dividend. |
| PE | Price-to-earnings ratio. Lower can indicate better value relative to earnings. |
| G% | Earnings growth percentage year-on-year. |
| Mkt Cap | Market capitalisation in RM millions. |
Sorting and filtering
Tap any column header to sort ascending or descending. Use the Show selector (5 / 10 / 20 / 40 stocks) to display more results. For multi-column filtering, download the CSV.
Sort by DY% descending. Filter for FV* or above and Sanity: Strong. Verify OCF is positive in the Analyzer — dividends must be backed by real cash flow.
Sort by G% descending. Look for FV** or FV*** labels. Use the Analyzer to confirm ROE% is consistently above 10% and gearing is manageable.
Sort by FP descending — higher FP = greater margin of safety. Combine with FV*** consensus and check if Price is below NTA in the Analyzer.
Downloading the CSV
The monthly CSV is free after registration. Log in → Shop → Download. Open in Excel or Google Sheets and use the built-in filter/sort to slice by any combination of metrics.
Understanding the ticker marquee
The scrolling ticker at the top of the homepage shows a live sample of top Bursa stocks with their current consensus labels and scores. It is a quick-glance snapshot only. Tap any stock code to run it through the Analyzer for the full breakdown.
What is the Analyzer?
The Analyzer evaluates any Bursa-listed stock in real time across four financial pillars. Every sub-metric is shown with its points contribution — fully transparent, not a black box. Use it to verify a stock before buying, or to monitor holdings for deteriorating fundamentals.
How to use it
Enter the stock code — for example, 1155 for Malayan Banking Bhd (Maybank). Stockgaroo pulls live data from Bursa Malaysia instantly.
Review the overall Score, Consensus label, and Sanity result at the top of the output.
Tap each pillar to expand the sub-metric breakdown. Each item shows its exact contribution to the total score so you can identify strengths and weaknesses.
Check the Sanity panel separately — a single failed check can warrant caution even on a high-scoring stock.
The four pillars
Key metrics explained
| Metric | What to look for |
|---|---|
| OCF | Operating cash flow — must be positive. Negative OCF is the single most important red flag, regardless of reported accounting profit. |
| ROE% | Return on equity — higher is better. Indicates how efficiently the company uses shareholder capital to generate profit. |
| Gearing | Debt-to-equity ratio — lower is safer. High gearing amplifies downside risk, especially in a rising interest rate environment. |
| NTA | Net tangible assets per share — a floor value. Buying below NTA provides an additional margin of safety on top of fair value estimates. |
| DY% | Dividend yield — prioritised by income investors. Always cross-check against OCF to confirm dividends are sustainable. |
| G% | Earnings growth — the rate at which the company is expanding its bottom line year-on-year. |
Sell signals to watch for
Consensus labels
Every stock receives a consensus label that combines its financial health score with its fair-value calculation. This is the primary buy / hold / avoid signal in Stockgaroo.
| Label | Meaning | Signal |
|---|---|---|
| FV*** | Fair Value — highest conviction | Strong fundamentals + significant margin of safety (~30% or more below fair value). Best-in-class picks. |
| FV** | Fair Value — high conviction | Good fundamentals + solid margin of safety (~20% below fair value). |
| FV* | Fair Value — moderate conviction | Sound fundamentals, some margin of safety (~10% below fair value). |
| FV | Fair Value — at price | Fundamentals are sound but the stock is trading at or very near fair value. Limited upside from valuation alone. |
| Risky | Caution | Fundamentals are weak or deteriorating, or valuation is stretched above fair value. Requires investigation before acting. |
Score thresholds
Top Stocks shows stocks that meet the default quality bars. You can lower them using the Show selector, but quality decreases as thresholds drop.
Sanity check results
Sanity is a secondary pass/fail overlay that catches critical financial issues that a composite score might mask. A failed Sanity should always prompt deeper investigation.
| Result | What it means |
|---|---|
| Strong | All critical health checks passed. No red flags detected. |
| Caution | One or more soft checks flagged. Expand the pillar detail in the Analyzer to identify the issue. |
| FAIL | A critical check has failed (e.g. negative OCF, extreme gearing). Investigate before taking any action. |
Margin of safety guide
The Consensus label encodes how far the current price sits below the estimated Fair Value. The more stars, the greater the margin of safety.
| Consensus | Approx. margin of safety | Interpretation |
|---|---|---|
| FV*** | ≥ +30% | Significant discount to fair value — maximum safety |
| FV** | +20% | Meaningful discount — solid entry point |
| FV* | +10% | Modest discount — reasonable entry |
| FV | ~0% | Trading at fair value — limited upside buffer |
| Risky | Negative or N/A | Priced above fair value or weak fundamentals |
Matching Stockgaroo to your goals
Stockgaroo supports multiple investing styles. Use the guidance below to align the tools to your personal strategy.
Sort Top Stocks by DY% descending. Filter for FV* or above and Sanity: Strong. Before buying, run the Analyzer and confirm OCF is positive — dividends backed by real operating cash flow are far more sustainable than those paid from borrowing or asset sales.
Sort Top Stocks by G% descending. Look for FV** or FV*** labels to ensure you are not overpaying for growth. Use the Analyzer to verify ROE% is consistently above 10% and that gearing is at manageable levels — high debt amplifies risk in high-growth companies.
Sort Top Stocks by FP descending — higher FP means greater margin of safety. Target FV*** picks. In the Analyzer, compare the current Price to the estimated Fair Value and check if Price is below NTA. Both conditions together signal a double margin of safety.
Run the Analyzer on each holding monthly, especially after quarterly earnings. The three objective sell signals are: OCF turns negative, Consensus drops to Risky, or Sanity changes to FAIL. These are fundamentals-driven — do not wait for price alone to tell you when something has changed.
Optimal buy checklist
For the highest-conviction entries, look for all four conditions to be true simultaneously:
| Condition | Where to find it | Target |
|---|---|---|
| Score | Top Stocks table / Analyzer | ≥ 80 |
| Consensus | Top Stocks / Analyzer | FV** or FV*** |
| Sanity | Analyzer sanity panel | Strong |
| OCF | Analyzer — cash flow pillar | Positive |