GIS · a US exchange · USD · Market cap $20.3B · 33,000 employees
General Mills, Inc.
FAIL · Does not pass the screen
37.97 USD
At the last full screen 2026-07-19
Screened 2026-07-19 · the tape above runs as of 22:40 UTC · 24 Jul · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its distribution label.
General Mills holds its Distribution at $37.97. Consolidating, no directional conviction, held for 1 days.
As held on the ledger · 2026-07-19
Phase
Distribution · caution
Quantitative state
Consolidating, no directional conviction, held for 1 days
Price at the screen
$37.97
Valuation
N/A trailing · 11.75 forward price to earnings
Values screen
FAIL· score 10.0
Beta
-0.05
The Workings
Five Screens, Shown in Full
Does not pass. Debt ratio
Test
Figure
Limit
What it means
Status
Business activity
Permissible
Core business clean
Its core business isn't built on prohibited lines: no gambling, alcohol, tobacco, weapons, or interest-based lending.
Pass
Debt load
46.25%
Below 33%
Interest-bearing debt is 46.3% of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
1.31%
Below 33%
Cash held in interest-bearing accounts and securities is 1.3% of assets, under the one-third limit.
Pass
Receivables
6.53%
Below 49%
Money owed to the company is 6.5% of assets, under the 49% limit.
Pass
Revenue purity
0.13%
Below 5%
Only 0.1% of revenue comes from non-compliant sources, under the 5% line.
Pass
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
What the Numbers Say It Is Worth
The Fair Value Range
Our framework reads AVOID: it trades above our $33.91 fair value estimate, moderate competitive moat, 2.20% revenue growth.
Fair value range in USD, drawn from the 2026-07-19 screen. The gold marker is the market price at the same screen. The price runs 10.7% above the base estimate.
Third-party analyst targets: 18 covering, consensus Hold. The average target sits −3% from the screen price.
Reading the gap · Both our model and the Street see limited upside at this price.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-07-19 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Supermarket staples hide mounting debt problems
Walk down any supermarket aisle and General Mills products sit on the shelves from cereal to pet food. Yet the numbers show a business stuck in low gear with revenue growth at just 2 percent and both profit margins and return on equity turning negative. We pass because the shares trade above our fair value and the ethical screen flags the debt ratio as a clear fail.
The forward multiple sits at 11.8 times but that does little to offset the absence of meaningful growth or returns. A moderate moat offers some brand protection yet eighteen analysts see little upside with a consensus hold and median target right at the current price. This is not a bargain but a mature packaged-foods name running on empty.
Debt remains the binding constraint that fails the ethical test while thin margins leave little room for error in a higher-rate world. Any rebound in volumes would still have to clear that leverage hurdle first. Analysis, not advice.
The risks · The things to watch: it carries a real debt load, which raises the stakes if revenue slips.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
GIS trades on a US exchange. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-07-18Distribution$33.15+0.0%Entry 3
The framework reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are down 35%. Our forward projection puts the odds of a 10% gain over the next month near 4%. The street (19 analysts) rates it hold, with a mean price target of $40.
2026-07-03Distribution$33.15+0.0%Entry 2
The framework reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns.
2026-07-02Distribution$33.15Entry 1
The framework reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
