workolic_investidorGustavo Gomes Araújo
Holygrail AI · Stock fair value

What is a stock really worth?

Type a company's ticker and get its fair value, financial strength and management quality, with every calculation explained step by step.

Access included in the Curso de AI aplicado a Investimentos Avançados (taught in Portuguese).

  • CMVM, Portuguese Securities Market CommissionRegistered independent financial analyst
  • EFFASCEFA / EFFAS certification
  • Forbes 30 Under 30 Europe 2026Forbes 30 Under 30 Europe, 2026
  • YouTube~170k YouTube subscribers

One ticker. Three answers.

Instead of pulling data from five different websites, Holygrail AI runs the full analysis and shows you where every number comes from.

01

Fair value

Several valuation models, chosen and weighted according to the type of company: mature, cyclical, growth or bank.

DCFPeer multiplesDividends
02

Financial health

Whether the balance sheet holds up, whether profits turn into cash and how high the bankruptcy risk is.

Financial balanceAltman Z-ScorePiotroski F-Score
03

Management and context

What management promises versus what it delivers, what insiders are doing and where the market stands.

Economic profitInsidersFED ModelDamodaran

How it works

Type the ticker

NVIDIA, AMD, ASML or any other listed company. The app fetches market data and financial statements.

The app picks the models

A mature company, a bank and a REIT are not valued the same way. Holygrail AI uses the right models for each case.

Understand every number

Every calculation is explained. In advanced mode you adjust growth, tax and margin of safety and run it again.

Methodology

The models behind the fair value

Holygrail AI is the web version of the HolyGrail Excel Sheet, built over years on the methodologies of Damodaran, Stern Stewart & Co. and Graham.

DCF in 3 scenariosDiscounted cash flows with a Damodaran-style WACC, including country risk.
EVA, MVA and EPEconomic profit: whether the company creates value above its cost of capital.
DDM with PVGODividend model in 3 scenarios, with the value of growth opportunities.
Peer multiplesEV/EBITDA, P/E, P/S and P/B compared with the sector.
Altman and PiotroskiBankruptcy risk and how financial health is evolving.
Financial qualityMore than 20 metrics on balance sheet, profitability and cash.
REITsP/FFO and P/AFFO, NAV and cap rate, occupancy, dividend and debt, score from 0 to 10.
MacroFED Model and Yardeni to see where the market stands.
SettingsRevenue growth, terminal growth, tax and margin of safety, your choice.

More than a calculator

Inside the app there is a student area to follow your ideas and learn from others.

  • Community. Post your theses, debate with other students and take part in the weekly challenge. Only your nickname and percentages are shown, never amounts.
  • Portfolio and WatchList. Track your positions and the companies you are studying. Import them from a screenshot or a file.
  • Investor profile. Answer a few questions and find out your risk aversion coefficient.
Gustavo Gomes Araújo

Who built Holygrail AI

I'm Gustavo, better known as Workolic. I'm an independent financial analyst registered with the CMVM, I hold a degree in Finance from ISCTE and I was named in Forbes 30 Under 30 Europe 2026. Holygrail AI brings together in one tool the models I use to value companies.

More about Gustavo

How to get access

Included in the course

Curso de AI aplicado a Investimentos Avançados

Course students get automatic access to Holygrail AI. The founding class also includes Patreon tier 3 for 12 months and a visit from Gustavo. The course is taught in Portuguese.

See the course
App only

Annual access to Holygrail AI

If you only want the tool, buy 1 year of access. After payment you go straight to the app: your account is created automatically and you get an email with the steps to sign in, using your purchase email and a 6-digit code, no password needed.

Buy annual access · €197

One-off payment, VAT included. 1 year of access to Holygrail AI. Does not include the Curso de AI aplicado a Investimentos Avançados.

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Frequently asked questions

Do I need to know finance to use it?

No. Every calculation is explained in plain language, and the course teaches you how to read each result. If you already know your way around, switch on advanced mode and change the assumptions.

Does the fair value tell me whether to buy?

No. Holygrail AI is an educational tool. The values are model-based estimates and depend on the assumptions you choose. The decision is always yours.

Which companies can I analyse?

Listed companies, by ticker. The app adapts the models to the type of company: mature, cyclical, growth, bank or REIT.

How do I sign in?

With the 6-digit code we send you by email or SMS, at holygrail.lucrar.pt. You can also get there through the lucrar.pt portal. The app has a PT/EN switch.

Can I get access without the course?

Yes. There is annual app-only access for €197, a one-off payment with VAT included. It does not include the Curso de AI aplicado a Investimentos Avançados.

Find out what the next company you study is worth.

Educational tool by Profit (lucrar.pt). The values are estimates and do not constitute investment advice.