Positioning political selling, disclosed 2026-09-25
Options put/call open interest 0.45, read 2026-10-25
Ethical passes the values gate
Price330.17 USD
Fair value500.00
Ethical score88.5/100
RatingOPPORTUNITY
Our investment reviews on this name
2026-10-21Read Markup330.17+0.0% to today ✓Distribution gives way to Markup after a 20% rise in 3 weeks
2026-10-02Read Distribution275.79+19.7% to today Markup gives way to Distribution after a 7% slide in 9 weeks
2026-08-02Read Markup296.33+11.4% to today ✓Distribution gives way to Markup
2026-07-02Read Distribution296.76+11.3% to today First review on file: Distribution
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Intuit holds its Markup at $330.17. The statistical read favours the sellers, held for 87 days.
As held on the ledger · 2026-10-15
Phase
Markup
Quantitative state
The statistical read favours the sellers, held for 87 days
Price at the screen
$330.17
Valuation
19.48 trailing · 12.25 forward price to earnings
Values screen
PASS· score 88.5
Beta
1.01
The Workings
Five Screens, Shown in Full
Full pass across all five screens. This security clears the Titan Ethical Standard: its business and its balance sheet both stay inside the lines.
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
17.96%
Below 33%
Interest-bearing debt is just 18.0% of its assets, well under the one-third ceiling: it does not run on borrowed money.
Pass
Interest-bearing cash
0.25%
Below 33%
Cash held in interest-bearing accounts and securities is 0.3% of assets, under the one-third limit.
Pass
Receivables
9.24%
Below 49%
Money owed to the company is 9.2% of assets, under the 49% limit.
Pass
Revenue purity
0.93%
Below 5%
Only 0.9% 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.
The Ethical Read
Why It Clears, in Plain English
Intuit clears all five screens. Its business is in a permissible area, its interest-bearing debt is about 18%, inside the ~33% line, and almost none of its income is interest, so it passes.
Read as at 2026-10-25. It updates when the underlying figures move, and past reads are kept below.
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Get an email when INTU's ethical verdict changes
Today INTU passes the screen. If new figures move it to a fail, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
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What the Numbers Say It Is Worth
The Fair Value Range
Our analysis reads OPPORTUNITY: it trades at roughly a 51% discount to our $500.00 fair value, strong competitive moat, 13.70% revenue growth.
Fair value range in USD, drawn from the 2026-10-15 screen. The gold marker is the market price at the same screen. A 51.4% margin of safety to the base estimate.
Third-party analyst targets: 31 covering, consensus Buy. The average target sits +21% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
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 2026-10-15 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
Accounting software leader sits at a deep discount
Millions of small businesses fire up QuickBooks each morning to send invoices and chase payments. Intuit owns that workflow with a strong moat, 22 percent profit margins, 22 percent return on equity and steady 10 percent revenue growth. At 10.6 times forward earnings the shares trade well below our fair value of 568 dollars, giving a 95 percent margin of safety.
The business compounds quietly through Global Business Solutions and Credit Karma while analysts rate it a buy with a 455 dollar median target. Ethical screens clear without issue and the numbers line up for durable cash generation.
Risks centre on slower adoption if macro conditions tighten and on any slip in user retention that would compress the multiple further. Analysis, not advice.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
INTU 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
2026-10-21Markup · changed$330.17+9.1%Entry 18
The framework has shifted from distribution to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 9.1% since our last review. Ethical screening: PASS with strong ethical credentials. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading overbought. Over the past year the shares are down 62%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (32 analysts) rates it buy, with a mean price target of $522.
2026-10-14Distribution$302.75+9.8%Entry 17
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved up 9.8% since our last review. Ethical screening: PASS with strong ethical credentials. The risk-adjusted return profile shows modest positive 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 oversold. Over the past year the shares are down 62%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (32 analysts) rates it buy, with a mean price target of $522.
The framework has shifted from markup to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 23.8% since our last review. Ethical screening: PASS with strong ethical credentials. The risk-adjusted return profile shows modest positive 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 oversold. Over the past year the shares are down 62%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (32 analysts) rates it buy, with a mean price target of $522.
2026-08-25Markup$361.87+0.0%Entry 15
Our analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: PASS with strong ethical credentials. The risk-adjusted return profile shows modest positive 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 oversold. Over the past year the shares are down 62%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (32 analysts) rates it buy, with a mean price target of $522. It reported earnings in this window, a natural checkpoint for the thesis.
2026-08-24Markup$361.87+0.0%Entry 14
Our analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: PASS with strong ethical credentials. The risk-adjusted return profile shows modest positive 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 oversold. Over the past year the shares are down 62%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (32 analysts) rates it buy, with a mean price target of $522. It reported earnings in this window, a natural checkpoint for the thesis.
2026-08-23Markup$361.87+0.0%Entry 13
Our analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: PASS with strong ethical credentials. The risk-adjusted return profile shows modest positive 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 oversold. Over the past year the shares are down 62%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (32 analysts) rates it buy, with a mean price target of $522. It reported earnings in this window, a natural checkpoint for the thesis.
2026-08-22Markup$361.87+0.0%Entry 12
Our analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: PASS with strong ethical credentials. The risk-adjusted return profile shows modest positive 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 oversold. Over the past year the shares are down 62%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (32 analysts) rates it buy, with a mean price target of $522. It reported earnings in this window, a natural checkpoint for the thesis.
2026-08-21Markup$361.87+10.3%Entry 11
Our analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 10.3% since our last review. Ethical screening: PASS with strong ethical credentials. The risk-adjusted return profile shows modest positive 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 oversold. Over the past year the shares are down 62%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (32 analysts) rates it buy, with a mean price target of $522. It reported earnings in this window, a natural checkpoint for the thesis.
2026-08-20Markup$327.94+0.0%Entry 10
Our analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: PASS with strong ethical credentials. The risk-adjusted return profile shows modest positive 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 oversold. Over the past year the shares are down 62%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (32 analysts) rates it buy, with a mean price target of $522. It reported earnings in this window, a natural checkpoint for the thesis.
2026-08-19Markup$327.94+0.0%Entry 9
Our analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: PASS with strong ethical credentials. The risk-adjusted return profile shows modest positive 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 oversold. Over the past year the shares are down 62%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (32 analysts) rates it buy, with a mean price target of $522. It reported earnings in this window, a natural checkpoint for the thesis.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
