EL7.AI
◆ Financial analysis · not technical · on our tools alone

Building a Stock Portfolio with EL7 Tools

From ten thousand stocks to a portfolio of 12–20 — where you know why you own each one, and when that reason expires.

52 lessons in 7.8 hours. Every lesson lands on a real screen from the platform and ends with a line you write into your portfolio.

Founding price for the first 100 buyers · includes EL7 Pro membership
100 seats left at the founding price0/100
The first lessons begin in--:--:--:--
The path · six stages

Six steps from sector to portfolio — and the screen behind each one

The order is the lesson. Under each step is the live screen you will do it on, reading its data right now rather than a picture of it.

01 · SECTORS

Start with the sector

/ar/stocks/sectors

A portfolio does not start with a stock whose name you heard, but with a sector you chose. Eleven sectors, each with a market-cap-weighted score, seven factors, and a median multiple you compare against its own history.

Live data/en/stocks/sectors
Sector
Score
P/E
Market Cap
Energy
83
15.4$5.0T
Technology
80
28.6$28.5T
Communication Services
77
18.0$12.4T
Basic Materials
72
21.9$3.4T
Healthcare
70
25.1$9.4T
Financial Services
68
12.9$17.2T
Industrials
63
25.1$9.2T
Consumer Defensive
60
18.2$4.5T
Consumer Cyclical
60
19.0$8.9T
Real Estate
52
24.2$1.8T
Utilities
40
19.1$2.3T

In chapter one you pick four to six of these sectors and write a target weight for each — before opening a single stock page. And you learn why sector scores sit in a narrow band, and how to read cheap-or-expensive against the sector's own median rather than the market's.

02 · COMPANY

Understand the company before its numbers

/ar/stocks/[symbol]

Before any ratio: what the company sells, who pays it, and what is moving the stock now — then the buying case beside the selling case, built from the earnings call, EDGAR filings, thirty days of news and insider activity.

Live data/en/stocks/AAPL

Stock Analysis

AI-generated
Based on 2026-07-30 data

Company Overview

Apple sells an integrated ecosystem of devices and services, including iPhone, Mac, iPad, Apple Watch, and AirPods, alongside App Store, AppleCare, Apple Music, Apple TV+, cloud services, and payment services. In Q3 of fiscal 2026, product revenue was $78.7 billion, representing approximately 72% of total revenue, while services revenue was $30.7 billion, or approximately 28%; services are supported by an installed base of more than 2.5 billion active devices and over 1.5 billion paid subscriptions.

Apple reported revenue of $109.4 billion in Q3 of fiscal 2026, up 16% year over year, gross profit of $54.8 billion, net income of $29.8 billion, and diluted earnings per share of $2.02, up 29%. Gross margin was 50.1%, but the tariff refund added approximately two percentage points to it and added $0.11 to earnings per share; operating cash flow was $34.4 billion.

iPhone led the revenue mix, generating $54.3 billion and 22% year-over-year growth, followed by services at $30.7 billion and 12% growth, then Mac at $10.4 billion and 29% growth. Wearables, Home and Accessories generated $7.9 billion, up 6%, while iPad revenue declined 6% to $6.2 billion, showing that strong growth in iPhone, Mac, and services offset weakness in iPad.

What's Driving the Stock

  • The iPhone 17 cycle is strongly driving results; iPhone revenue rose 22% to $54.3 billion in Q3 of fiscal 2026, while the active device installed base and the number of users upgrading their devices reached records for the period.
  • Mac generated record June-quarter revenue of $10.4 billion, up 29% year over year despite supply constraints, driven by MacBook Neo and MacBook Pro. Mac also set records for new buyers and upgrades, while MacBook Neo devices replaced Windows and Chromebook platforms in approximately half of large U.S. education purchases during the quarter.
  • Services revenue reached $30.7 billion, up 12%, with paid subscriptions exceeding 1.5 billion and cloud services and payment services recording their highest revenue ever. An installed base of more than 2.5 billion active devices gives Apple a large channel for expanding subscriptions, with the potential to add higher usage tiers through iCloud+ for heavy Siri AI users.
  • Apple launched beta versions of Siri AI after WWDC and said feedback from developers and users was extremely positive, with a mix of models running on devices and through private cloud compute. However, the company has not yet determined the final balance between computing costs and revenue from iCloud+ upgrades, while the rollout of Siri AI on iPhone and iPad in the European Union remains contingent on reaching a regulatory solution.
  • Apple announced a multi-year agreement with Broadcom expected to be worth more than $30 billion to design and produce silicon components and wireless connectivity technologies within the United States. The agreement is part of a $600 billion U.S. commitment over four years, alongside an advanced manufacturing facility in Houston that produces artificial intelligence servers and is planned to manufacture Mac mini later in 2026.
  • John Ternus assumed the role of Chief Executive Officer on September 1, 2026, after the succession was announced on April 20, 2026, and unanimously approved by the Board of Directors, while Tim Cook became Executive Chairman of the Board according to the news published on September 1, 2026. The transition coincides with a reorganization and job cuts, so its impact on the stock depends on management's ability to execute the product cycle and artificial intelligence plan without disrupting operating momentum.

Buying & Selling Case

▲ Buying Case4 pts

  • +Apple delivered broad-based growth in Q3 of fiscal 2026, with revenue rising 16% and earnings per share increasing 29%, alongside double-digit growth across all geographic regions and record June-quarter results for iPhone, Mac, and services.
  • +The company combines a massive installed base of more than 2.5 billion active devices with over 1.5 billion paid subscriptions, supporting recurring services revenue, which reached $30.7 billion at a gross margin of 75.6% in Q3 of fiscal 2026.
  • +Growth of 22% in iPhone and 29% in Mac reinforces evidence of strong demand, while Siri AI and enterprise use of on-device artificial intelligence open additional opportunities; Crédit Agricole reduced manual processing time by more than 80% using MacBook Pro, and Morgan Stanley deployed more than 20 thousand iPhone 17 devices.
  • +Cash generation and capital returns remain strong; Apple generated $34.4 billion in operating cash flow and returned $33 billion to shareholders during Q3 of fiscal 2026, including $25.8 billion for share repurchases and $4 billion in dividends and equivalents.

▼ Selling Case6 pts

  • −Apple faces increasing supply constraints in the advanced manufacturing nodes used to produce SoCs, and management explained that the constraints will have a greater impact on iPhone, Mac, and iPad in the September quarter of fiscal 2026. The issue reflects the supply chain's limited flexibility in the face of demand that exceeded expectations, which may prevent the company from fully converting strong demand into revenue.
  • −Memory costs have risen sharply, and Tim Cook described the increase as an exceptional pricing wave, with higher prices expected in the September quarter of fiscal 2026 and market prices continuing to rise thereafter. Management said the increase in memory costs accounts for more than the entire adjusted decline in gross margin from 48.1% in Q3 of fiscal 2026 to an expected midpoint of 46.5% before the tariff refund benefit, while the benefit from carryover inventory will diminish over time.
  • −The outlook for the September quarter of fiscal 2026 includes a slowdown in revenue growth to 9%–11% from 16% in Q3 of fiscal 2026, with currency headwinds of approximately 2.5 percentage points and more severe supply constraints. The company also expects a gross margin between 47% and 48%, including a benefit of approximately one percentage point from the tariff refund, meaning underlying profitability is weaker than the reported figure within the guidance range.
  • −Services growth slowed to 12% in Q3 of fiscal 2026, with greater-than-expected weakness in mobile gaming within App Store and currency headwinds. App Store in the United States is also operating under a court ruling affecting external-link transactions, while launching Siri AI on iPhone and iPad in the European Union requires a regulatory solution, and its deployment in China remains at an early stage after approval was granted only for the original Apple Intelligence features.
  • −Apple faces potential competition from new artificial intelligence-powered devices, and analysts specifically asked about potential competing devices from OpenAI and a potential phone from SpaceX AI. At the same time, the company has not yet defined a cost-recovery model for Siri AI or its ultimate impact on capital intensity, leaving the commercial return on increased artificial intelligence spending unresolved.
  • −A price-to-earnings multiple of 36.6 times and a free cash flow yield of 2.9% in the August 28, 2026 news indicate limited room for execution setbacks or weaker growth. This is compounded by insider activity classified as strong_sell, with net sales of $1.4 million over three months and four sales versus no purchases through August 25, 2026, while noting that insider sales may be prearranged and are not sufficient on their own to demonstrate deteriorating fundamentals.

Valuation

Analyst consensus rates AAPL a "Buy," with an average price target of $340.72 within a wide range of $245 to $400; the average is near the upper end of the 52-week range of $225.95–$344.57, while the highest target exceeds that upper bound. In contrast, the August 28, 2026 news cited a price-to-earnings multiple of 36.6 times and a free cash flow yield of 2.9%, valuations that require continued earnings growth despite slowing guidance, pressure from memory costs, and supply constraints.

BuyAnalyst target: $340.72

Figures in the text are as of 2026-09-02; the live price is shown at the top of the page.

FAQ

What drove Apple's results in Q3 of fiscal 2026?

Apple's revenue reached approximately $109.4 billion in Q3 of fiscal 2026, up 16% year over year. iPhone led growth with revenue of $54.3 billion, up 22%, while Mac revenue rose 29% to $10.4 billion and services reached $30.7 billion, up 12%. Net income was $29.8 billion and diluted earnings per share was $2.02, with the tariff refund benefiting earnings per share by $0.11.

Can Apple maintain its margins as memory costs rise?

Gross margin was 50.1% in Q3 of fiscal 2026, but it benefited by approximately two percentage points from the tariff refund. The company expects a margin between 47% and 48% in the September quarter of fiscal 2026, including a benefit of approximately one percentage point from the tariff refund. Management explained that memory costs account for more than the entire decline from an adjusted margin of 48.1% to an expected midpoint of 46.5% before the tariff refund, with memory prices expected to continue rising after the September quarter.

How important is Siri AI to Apple's business?

Apple unveiled Siri AI at WWDC and released beta versions to developers and the public before the July 30, 2026 call, saying feedback was extremely positive. The product relies on personal context and integration with operating systems, with some requests processed on the device and others through Apple's data centers and external clouds. Heavy usage could enable paid upgrades through iCloud+, but management said it had not yet finalized its plan for computing costs and their recovery, while the full rollout on iPhone and iPad in the European Union and China had not occurred by the time of the call.

Why does Apple expect growth to slow in the September quarter of fiscal 2026?

Apple expects revenue growth between 9% and 11% in the September quarter of fiscal 2026, compared with growth of 16% in Q3 of fiscal 2026. Management attributed the slowdown to currency headwinds of approximately 2.5 percentage points and a significant sequential increase in the impact of supply constraints on iPhone, Mac, and iPad. Nevertheless, the company expects year-over-year iPhone revenue growth in the mid-teens, indicating that supply constraints and currency, rather than a lack of demand, are the main factors behind the guidance.

What is the state of Apple's services segment?

The services segment generated revenue of $30.7 billion in Q3 of fiscal 2026, up 12%, and its gross margin reached 75.6%. Paid subscriptions exceeded 1.5 billion, cloud services and payment services recorded their highest revenue ever, and Apple's active device installed base surpassed 2.5 billion devices. In contrast, growth was affected by weakness in mobile gaming within App Store and by currency, while the services margin declined 110 basis points sequentially due to a change in mix.

What are the main factors to monitor after John Ternus takes over leadership of Apple?

John Ternus assumed the role of Chief Executive Officer on September 1, 2026, after the plan was announced on April 20, 2026, and unanimously approved by the Board of Directors, while Tim Cook became Executive Chairman of the Board according to the September 1, 2026 news. The transition follows a quarter in which Apple generated revenue of $109.4 billion and strong growth in iPhone and Mac, but it coincides with a reorganization, job cuts, and increasing supply constraints. Execution will be measured by the company's ability to deploy Siri AI, control memory costs, meet demand for iPhone, Mac, and iPad, and achieve its revenue growth guidance of 9%–11% in the September quarter of fiscal 2026.

Earnings callEDGAR filings30-day newsInsider activity

Automated analysis for informational purposes only — not investment advice.

The rule you leave chapter two with: read the selling case first. It is what you write in your journal under "what would change my mind" — the sentence you return to on the day the stock falls.

03 · SCORE

Read the financials in one card

EL7 Score

Seven factors, each a percentile rank of the stock against more than five thousand peers, with the raw value beside the peer median and a one-word verdict. These are the financial statements and ratios, arranged so they read in a minute.

Live data/en/stocks/AAPL
EL7 Factor Analysis
How we score this
Overall84
Excellent — top fifth of the marketHigh FlyerF 8/9SafeCongress sellingBetter than 84% of Market stocks, per EL7's model
FactorScoreDistributionValueAvgRank
Valuation
19
36.7x18.2xBottom tier
Growth
69
14.2%7.1%Top tier
Quality
91
66.5%4.5%Top tier
Safety
82
0.2x2.6xTop tier
Capital Return
38
0.33%2.10%Bottom tier
Momentum
88
30.3%2.9%Top tier
Sentiment
41
333Around median

Chapter three — the longest in the course — takes this card apart factor by factor: where each number comes from in the three statements, why quality outweighs sentiment, and when the score lies (banks, loss-makers, and the single-input factor).

04 · VALUE

Estimate what the stock is worth

Fair Value

A range, not a number: worst case, fair, and best — from two independent methods, a discounted cash flow and the analyst target consensus, never blended.

Live data/en/stocks/AAPL
Fair Value
Current price$320
Analyst target · 17 analysts
$362
⁦+13%⁩
See it undervalued
Range ⁦$245–$400⁩
DCF (estimate)
$156
⁦-51%⁩
Sees it clearly overvalued
⁦9.2⁩% discount · ⁦4⁩% growth
Bottom lineThe two methods disagree — estimate range ⁦$156–$362⁩.

Estimates — analyst targets and a simplified DCF, not investment advice.

In chapter four you learn the difference between three numbers everyone conflates: the score is a ranking not a price, fair value is a valuation not a forecast, and an analyst target is an opinion with an accuracy record you can check. From them you compute the margin of safety you buy at.

05 · FILTER

Hunt candidates instead of waiting for them

/ar/screener

Ten thousand stocks narrow to a short list on conditions you write: nine metric families, forty-one fields, twenty-six periods — or describe what you want in Arabic and let the AI composer build the screen.

Live data/en/screener

Showing 5 of 1360 matching stocks

Symbol
Company
EL7 FactorMarket Cap
Price
NSLR
Neostellar Capital Corp.99.9$267.4M$10.10
BLMN
Bloomin' Brands, Inc.99.9$838.2M$9.79
MEVO
M Evo Global Acquisition Corp II Class A Ordinary Shares99.9$55.5M$10.02
SKHY
SK hynix Inc.99.9$937.64B$177.00
NUTX
Nutex Health, Inc.99.6$1.33B$193.24

Chapter five ends with three screens saved in your name: value, quality and income. Then a nightly email brings every new stock that entered one — so you stop searching and the search starts coming to you.

06 · PORTFOLIO

Build the stock portfolio and maintain it

/ar/journal

From forty candidates to twelve or twenty stocks: a single scorecard, then weights and caps per stock and per sector, then a buy list ordered around earnings dates.

There is no live screen for this step because it is your own data: your thesis for each stock goes in the trading journal, along with what would change your mind. Then a weekly and quarterly routine — and when to sell, for three reasons that come from the tools rather than the colour of the screen.

Six steps, five live screens, and something written after each one. That is the difference between a course that explains ratios and a course that builds a portfolio.

Why decisions stall

The problem is not missing information — it is missing order

You know the ratios, you read the news, you hear the names. And you still buy late and sell early.

You start from the stock

You hear a name and look it up, so your portfolio becomes a list of names you heard — not a decision built on a sector you chose.

One number misleads you

A low P/E looks like an opportunity when it is a one-off gain. And a ratio without its peer median means nothing.

Scattered tools

A scanner here, a financials site there, a third subscription for valuation — all in English, all billed monthly.

You don't know when to sell

You bought for a reason you never wrote down, so today you have nothing to measure against: did the thesis change, or only the price?

Access and schedule

Claim a seat today — lessons arrive weekly

The tools open the moment you pay; the lessons publish a chapter every Monday.

Now · on payment

Instant access to the tools

The screener, insiders, Congress, analysts, the earnings calendar, research and the trading journal — all open immediately.

Monday 14 September

Lessons begin

The first two chapters: the introduction, and sectors and industries. You get a launch email.

Every Monday to 2 November

A new chapter weekly

From understanding the company through to building the portfolio, in order, until the curriculum is complete.

After the course

Time to apply it

Your membership runs past the final chapter, so you run the routine on a real portfolio rather than an example.

Curriculum · 9 chapters · 52 lessons · 7.8 hours

Table of contents

Each chapter publishes in its week, and each lesson ends with an entry in your portfolio.

  1. 00IntroductionWhat this is and is not, the tool map, and your workspace3 lessons
  2. 01Sectors and industriesThe heat map, the sector hub, industries, and sector rotation6 lessons
  3. 02Understanding the companyThe editorial profile, revenue flow, stock analysis, and the earnings call5 lessons
  4. 03Financial analysis: how the EL7 Score is computedStatements and ratios across the seven factors, then how the score is assembled8 lessons
  5. 04What is the stock worthFair value, analysts and their accuracy, and three numbers never to conflate4 lessons
  6. 05The screenerNine families, twenty-six periods, thirty preset screens, saving and alerts8 lessons
  7. 06Insiders and CongressForm 4, performance scores, clusters, and disclosure lag7 lessons
  8. 07Calendar, news and researchThe earnings calendar, results night, news, and research articles5 lessons
  9. 08Building and maintaining the portfolioWeights, caps, the buy list, the routine, and when to sell6 lessons
Who this is for

Straight with you — so you don't pay in the wrong place

✓ For you, if you…

  • Invest in US stocks and want a written method instead of scattered decisions.
  • Know the basics and want to apply them on real tools, not theory slides.
  • Want to know why you own every stock you own — and when that reason expires.
  • Prefer financial analysis to reading candles.

✕ Not for you, if you…

  • Are looking for buy and sell recommendations — we teach, we don't advise.
  • Want technical analysis; this is a financial-analysis course.
  • Expect guaranteed profits — there is no such thing and we don't promise it.
  • Don't intend to open the platform weekly; the whole method is applied.
Founding offer · 100 seats only

Choose what suits you

One payment, no auto-renewal, and lifetime access to the course.

Best value
◆ Both courses

Building a Stock Portfolio + automated trading

Add the complete "Building Automated Trading Systems" course, and double the membership.

600$one-time
worth $1394
  • "Building a Stock Portfolio with EL7 Tools" — 52 lessons
  • "Building Automated Trading Systems" — 78 lessons, available immediately
  • 6 months of EL7 Pro — every tool and all the data
  • 40% off every other EL7 course for as long as your membership runs
  • Lifetime access + certificate of completion
The course alone

Building a Stock Portfolio

The full course, and every tool you need to apply it.

300$one-time
worth $597
  • "Building a Stock Portfolio with EL7 Tools" — 52 lessons
  • 3 months of EL7 Pro — every tool and all the data
  • 40% off every other EL7 course for as long as your membership runs
  • Lifetime access + certificate of completion

100 seats left at the founding price · secure payment via Stripe · no auto-renewal

Common questions

Before you claim a seat

What is the difference between the two options?

The first ($300) is the portfolio course alone with three months of membership. The second ($600) adds the complete "Building Automated Trading Systems" course — available immediately, no waiting — and raises the membership to six months.

Do I need prior experience?

You need to know what a P/E and a balance sheet are. We don't start from the definition of a share, and we don't assume you are a professional analyst.

Is this a technical analysis course?

No. This is financial analysis and portfolio building. No candles and no price indicators — financial statements, ratios, sectors and valuation.

What happens when the membership months end?

The course is yours forever. Membership ends and does not auto-renew — you renew it yourself if you want, and nothing is charged without your knowledge.

I'm already a Pro member — do I pay the same?

Yes, and nobody gets the course free. But the membership months are added to your existing subscription rather than wasted.

The course isn't published yet — what am I paying for today?

You are paying for immediate access to every platform tool, which you start using today, and for a seat at the founding price. Lessons begin Monday 14 September and publish a chapter a week until 2 November.

Is this investment advice?

No. Educational content only. We teach you to read the tools and build your own decision; we do not recommend a stock and do not promise a return.

A portfolio that knows why it holds each stock

100 seats left at the founding price. The first lessons are Monday 14 September.