# Moatly. — Stock Intrinsic Value & Moat > Stock analysis framework with AI mentor for informed investment decisions. (iPhone/iPad app by elloBEE, LLC..) - Source: https://appshunter.io/ios/app/moatly/id6768135444 (this page in markdown: same URL + `.md`) - Developer: [elloBEE, LLC.](https://appshunter.io/developer/915484856) - Category: Finance, Education - Price: Free with in-app purchases - Rating: 5.00/5 from 3 App Store ratings · 3 written reviews indexed - Age rating: 4+ - Requires: iOS 14.0.0 · 42 MB - Languages: American English - Released: 2026-06-12 - Data updated: 2026-08-13 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/moatly/id6768135444/reviews.md ## What is Moatly.? Most investors know what to buy. Few know why. Moatly fixes that. Created by a value investor for value investors. Built around the time-tested Moatly Valuation Framework — Meaning, MOAT, Management, and Margin of Safety — Moatly turns hours of financial research into a 1-click conviction score for any stock you search. No spreadsheets. No guesswork. No more buying on hope. THE MOATLY VALUATION FRAMEWORK: MEANING — Do you actually understand this business? Moatly quantifies your fit using your Circle of Competence and a five-question Conviction Check. The best investment is the one you'll hold without flinching. MOAT — Does this business have a durable competitive advantage? Scored using key growth metrics — revenue, earnings, equity, operating cash flow, and free cash flow — across 10 years. No analyst opinions. Just the math. MANAGEMENT — Is leadership genuinely owner-oriented? Moatly scores ROE, ROIC, ROA, debt discipline, and a proprietary MER Score. Great businesses are routinely destroyed by poor stewards. Know which kind you're dealing with. MARGIN OF SAFETY — Is today's price below what this business is actually worth? Three independent valuation methods — Intrinsic Value based Margin of Safety, 10-CAP, and Payback Time. Know the math. Make your own call. MOATLYAI — YOUR PERSONAL MENTOR & ANALYST: MoatlyAI gives you answers grounded in your watchlist, your scores, and real fundamentals — designed to avoid generic answers. - MOAT deep analysis: moat type, durability, and risk signals - Management assessment: capital allocation track record and red flags - Valuation context: what you must believe for the numbers to hold - Daily insight: a personalized observation on your watchlist every morning - Investing mentor/tutor: ask anything, get answers tied to your actual stocks, bounce ideas, play rebuttals, and validate assumptions. Be a better investor. WHY MOATLY IS DIFFERENT: Every other investing app gives you more data and leaves you to figure out what it means. More charts. More noise. More paralysis. Moatly gives you a framework and a custom AI model that is ingrained into the logic to provide best responses — four questions every serious investor must answer before committing a dollar. Consistently. Every time. FEATURES: - Automatic financial data — EPS, FCF, growth rates, etc. loaded instantly - Personalized Meaning score based on your Circle of Competence - Stock ideas to research based on your Circle of Competence - Unlimited Watchlist with value zone alerts - Scenario testing — adjust any input, see results instantly - Earnings calendar for your Watchlist stocks - Unlimited AI mentor/tutor conversations SUBSCRIPTIONS: - Moatly Investor — $14.99/month The complete Moatly Valuation Framework for every stock you analyze. - Moatly Investor + AI — $24.99/month Everything in Investor, plus MoatlyAI — your personal mentor & analyst. Both plans are auto-renewable monthly subscriptions and include a free first month — no charge until your trial ends. Payment is charged to your Apple ID at confirmation of purchase. Your subscription renews automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple ID subscription settings. Terms of Use (EULA): https://getmoatly.com/terms.html Privacy Policy: https://getmoatly.com/privacy.html DISCLAIMER: Moatly is an analytical and educational tool provided by Moatly LLC, which is not a registered investment adviser or broker-dealer. Nothing in the app constitutes investment, financial, legal, or tax advice, or a recommendation to buy, sell, or hold any security. All scores, valuations, and projections are estimates based on available data, may contain errors, and are not guarantees of future results. MoatlyAI responses are AI-generated and may be inaccurate or incomplete. Always conduct your own due diligence, and consider consulting a licensed financial professional before making investment decisions. ## Key features - Moatly Valuation Framework - Automated financial data - Personalized Meaning score - Stock ideas based on Circle of Competence - Unlimited Watchlist with alerts - AI mentor and analyst - Scenario testing ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Moatly Investor | $14.99 | per month | | Moatly Investor + AI | $24.99 | per month | ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/moatly/id6768135444/reviews.md ### 5/5 — Best Investing platform *2026-07-18* Motley is a great guided investing platform. It seems to focus on helping users understand market trends, basic strategies, and how to approach decisions with a bit more clarity. The AI supplements your stock research, back-test strategies, analyze your portfolio. It’s a great starting point that can be used as support tool. AI feature can also help analyze your portfolio to become a better investor. ### 5/5 — Awesome Value Investing App *2026-07-04* Love this app! So easy to value any stock with a consistent proven framework. And the AI is amazing at acting like a mentor/tutor. I’d highly recommend this for anyone looking to get a sense of valuation and long term investing. ### 5/5 — Great Value Investing App *2026-06-14* If you spend hours on gathering financials per ticker and spend hours trying to figure out how to value companies then this is a complete value investing app! The AI layer is fantastic as it is integrated completely into the analytical framework so the insights are spot on! Definitely recommended! ## Frequently asked questions about Moatly. ### What is the Moatly Valuation Framework? The Moatly Valuation Framework is a proprietary system designed to help investors assess stocks based on four key pillars: Meaning, MOAT, Management, and Margin of Safety. It aims to provide a structured approach to understanding the underlying business and its intrinsic value. ### How does Moatly help with understanding a business? Moatly quantifies your understanding of a business through your Circle of Competence and a five-question Conviction Check. This feature helps ensure you invest in businesses you comprehend, promoting long-term holding without hesitation. ### What are the subscription options for Moatly? Moatly offers two auto-renewable monthly subscriptions: Moatly Investor for $14.99/month, providing the complete valuation framework, and Moatly Investor + AI for $24.99/month, which includes the AI mentor and analyst. Both plans offer a free first month. ### Does Moatly have ads? No, Moatly does not contain advertisements. As a finance application focused on investor conviction, it prioritizes an ad-free experience to avoid distractions during analysis. ### What devices does Moatly support? Moatly is available for iPhone and iPod devices. It is designed to provide a seamless experience on Apple's mobile platforms. ### How often is Moatly updated? Moatly was last updated on June 13, 2026, with its latest version being 1.0. This indicates a recent release, and users can expect ongoing updates for improvements and new features. ### What is the age rating for Moatly? Moatly has an age rating of 4+. This suggests that the app's content and functionality are considered appropriate for users aged four and above. ### How does Moatly's AI mentor work? The MoatlyAI feature acts as a personal mentor and analyst, providing answers grounded in your watchlist, scores, and fundamental data. It offers deep analysis on MOAT, management, valuation context, daily insights, and serves as an investing tutor. ## Version history (last 4 releases) ### 1.0.3 — 2026-08-11 Smoother On-boarding and a more accurate engine. Fixed - Sign-up now completes reliably and takes you straight in. - Removed setup screens that could block access before you had a chance to look around. - You can now explore the app before choosing a plan. - UI enhancements. Scoring accuracy - Management scores now handle companies with distorted return-on-capital figures correctly. - Compounded growth rates now use medians, enabling more accuracy for Moat score. - Free cash flow growth is now scored from actual cash flow data. - The S&P 500 comparison is annualized over the period actually covered. - AI insights enhanced for more accuracy and less hallucination. ### 1.0.2 — 2026-08-04 - New: daily value-investing tip delivered to your phone each morning - New: buy-zone alerts when a watchlist stock drops to its Moatly buy price - Top 10 Picks on Homepage - Interactive price charts showing your buy zone and intrinsic/fair value (1M/6M/1Y/5Y) - Enhanced MoatlyAI for more accurate and relevant answers - Your MoatlyAI conversation now stays put when you switch tabs - Smarter daily insight card, drawing from your Watch-list and Top 10 Picks - Performance and stability improvements ### 1.0.1 — 2026-07-10 Minor bug fixes. ### 1.0 — 2026-06-13 No release notes. ## More apps by elloBEE, LLC. - [elloBEE – Connect & Seek Out Talented Professionals.](https://appshunter.io/ios/app/ellobee-connect-and-seek-out-talented-professionals/id915484853) All apps by elloBEE, LLC.: https://appshunter.io/developer/915484856 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-13.*