MarketMind
Thursday, October 22, 2026
S&P 500 +16% past year — the bar to beat.
Market
☀️ Fair
a reasonable time for quality buys.
New Buys Today
0
buy list steady
Paper Fund
$102,322
▲ +2.3% all-time
Mode
⚖️ Balanced
balanced mix

⭐ What's New Today

🔀 Also changed UAL Hold→Avoid

🟢 Top Buys Today

Great businesses at fair prices — here's why each makes the list.

1 FHI Federated Hermes, Inc. 93
Excellent · Steady pick
✅ Strong, healthy financesinterest coverage 44.0x · current ratio 2.59 · positive free cash flow
✅ Highly profitableROE 31% · net margin 21% · gross margin 69%
2 PRI Primerica, Inc. 93
Excellent · Steady pick
✅ Strong, healthy financesinterest coverage 41.7x · current ratio 3.73 · positive free cash flow
✅ Attractively pricedP/E 11 · PEG 1.1 · FCF yield 11.9%
3 HIG The Hartford Insurance Group, Inc. 90
Excellent · Steady pick
✅ Attractively pricedP/E 10 · PEG 0.1 · FCF yield 15.0%
✅ Strong, healthy financesinterest coverage 24.9x · current ratio 1.77 · positive free cash flow
4 NBIX Neurocrine Biosciences, Inc. 90
Excellent · Faster-growth pick
✅ Growing quicklyrev CAGR 24% · rev YoY 40% · EPS CAGR 46% · EPS YoY 31%
✅ Steady and stablebeta 0.40 · steady margins
5 CF CF Industries Holdings, Inc. 90
Excellent · Steady pick
✅ Strong, healthy financesdebt/equity 41% · interest coverage 16.4x · current ratio 4.86 · positive free cash flow
✅ Attractively pricedP/E 9 · PEG 0.6 · FCF yield 7.3%
🔎 Weaker on growth momentum

…and 347 more buy candidates in the full briefing.

⚠️ Getting Worse — Watch

39 name(s) sliding toward Avoid: IRM, TXNM, ORA, NNN, NWE, PNW, CMS, DTE, AES, LNT, D, BKH, NI, WTRG, AEP, LUV, ETR, RCL, FE, EVRG, SR, OGS, XEL, POR, WEC, AEE, SO, WMB, DUK, UAL, CNP, EXC, NJR, AWK, PPL, NEE, PCG, ORCL, BX

📈 Paper Fund (MarketMind trading a fake $100k)

$95,615$100,475$105,335$110,195Jul 16: Paper Fund $100,000 · S&P 500 $100,000Jul 16: Paper Fund $100,000 · S&P 500 $100,000Jul 17: Paper Fund $100,000 · S&P 500 $99,660Jul 17: Paper Fund $100,000 · S&P 500 $99,660Jul 19: Paper Fund $99,404 · S&P 500 $98,670Jul 19: Paper Fund $99,404 · S&P 500 $98,670Jul 20: Paper Fund $99,404 · S&P 500 $98,670Jul 20: Paper Fund $99,404 · S&P 500 $98,670Jul 21: Paper Fund $99,495 · S&P 500 $98,510Jul 21: Paper Fund $99,495 · S&P 500 $98,510Jul 22: Paper Fund $98,924 · S&P 500 $99,330Jul 22: Paper Fund $98,924 · S&P 500 $99,330Jul 23: Paper Fund $97,250 · S&P 500 $99,220Jul 23: Paper Fund $97,250 · S&P 500 $99,220Jul 24: Paper Fund $96,968 · S&P 500 $97,990Jul 24: Paper Fund $96,968 · S&P 500 $97,990Jul 25: Paper Fund $98,061 · S&P 500 $98,090Jul 25: Paper Fund $98,061 · S&P 500 $98,090Jul 26: Paper Fund $98,061 · S&P 500 $98,090Jul 26: Paper Fund $98,061 · S&P 500 $98,090Jul 28: Paper Fund $100,393 · S&P 500 $98,110Jul 28: Paper Fund $100,393 · S&P 500 $98,110Jul 29: Paper Fund $102,520 · S&P 500 $98,350Jul 29: Paper Fund $102,520 · S&P 500 $98,350Jul 30: Paper Fund $104,605 · S&P 500 $96,830Jul 30: Paper Fund $104,605 · S&P 500 $96,830Jul 31: Paper Fund $102,768 · S&P 500 $98,460Jul 31: Paper Fund $102,768 · S&P 500 $98,460Aug 3: Paper Fund $101,506 · S&P 500 $99,170Aug 3: Paper Fund $101,506 · S&P 500 $99,170Aug 4: Paper Fund $101,506 · S&P 500 $99,170Aug 4: Paper Fund $101,506 · S&P 500 $99,170Aug 5: Paper Fund $104,441 · S&P 500 $102,390Aug 5: Paper Fund $104,441 · S&P 500 $102,390Aug 10: Paper Fund $105,443 · S&P 500 $102,650Aug 10: Paper Fund $105,443 · S&P 500 $102,650Aug 11: Paper Fund $106,400 · S&P 500 $102,620Aug 11: Paper Fund $106,400 · S&P 500 $102,620Aug 12: Paper Fund $106,087 · S&P 500 $102,290Aug 12: Paper Fund $106,087 · S&P 500 $102,290Aug 13: Paper Fund $105,077 · S&P 500 $102,550Aug 13: Paper Fund $105,077 · S&P 500 $102,550Aug 14: Paper Fund $105,309 · S&P 500 $103,260Aug 14: Paper Fund $105,309 · S&P 500 $103,260Aug 17: Paper Fund $105,436 · S&P 500 $103,060Aug 17: Paper Fund $105,436 · S&P 500 $103,060Aug 18: Paper Fund $105,436 · S&P 500 $103,060Aug 18: Paper Fund $105,436 · S&P 500 $103,060Aug 19: Paper Fund $105,522 · S&P 500 $101,880Aug 19: Paper Fund $105,522 · S&P 500 $101,880Aug 20: Paper Fund $107,525 · S&P 500 $102,090Aug 20: Paper Fund $107,525 · S&P 500 $102,090Aug 21: Paper Fund $107,115 · S&P 500 $101,230Aug 21: Paper Fund $107,115 · S&P 500 $101,230Aug 24: Paper Fund $108,405 · S&P 500 $101,650Aug 24: Paper Fund $108,405 · S&P 500 $101,650Aug 25: Paper Fund $108,980 · S&P 500 $101,350Aug 25: Paper Fund $108,980 · S&P 500 $101,350Aug 26: Paper Fund $108,062 · S&P 500 $101,670Aug 26: Paper Fund $108,062 · S&P 500 $101,670Aug 27: Paper Fund $107,525 · S&P 500 $101,700Aug 27: Paper Fund $107,525 · S&P 500 $101,700Aug 28: Paper Fund $107,032 · S&P 500 $102,360Aug 28: Paper Fund $107,032 · S&P 500 $102,360Aug 31: Paper Fund $107,912 · S&P 500 $102,130Aug 31: Paper Fund $107,912 · S&P 500 $102,130Sep 1: Paper Fund $107,871 · S&P 500 $101,820Sep 1: Paper Fund $107,871 · S&P 500 $101,820Sep 2: Paper Fund $107,631 · S&P 500 $101,120Sep 2: Paper Fund $107,631 · S&P 500 $101,120Sep 3: Paper Fund $107,974 · S&P 500 $101,570Sep 3: Paper Fund $107,974 · S&P 500 $101,570Sep 4: Paper Fund $107,974 · S&P 500 $101,570Sep 4: Paper Fund $107,974 · S&P 500 $101,570Sep 7: Paper Fund $105,571 · S&P 500 $102,240Sep 7: Paper Fund $105,571 · S&P 500 $102,240Sep 8: Paper Fund $105,571 · S&P 500 $102,240Sep 8: Paper Fund $105,571 · S&P 500 $102,240Sep 9: Paper Fund $104,455 · S&P 500 $101,680Sep 9: Paper Fund $104,455 · S&P 500 $101,680Sep 10: Paper Fund $104,299 · S&P 500 $101,210Sep 10: Paper Fund $104,299 · S&P 500 $101,210Sep 11: Paper Fund $103,905 · S&P 500 $100,600Sep 11: Paper Fund $103,905 · S&P 500 $100,600Sep 14: Paper Fund $103,962 · S&P 500 $101,460Sep 14: Paper Fund $103,962 · S&P 500 $101,460Sep 15: Paper Fund $105,133 · S&P 500 $101,010Sep 15: Paper Fund $105,133 · S&P 500 $101,010Sep 16: Paper Fund $104,997 · S&P 500 $100,540Sep 16: Paper Fund $104,997 · S&P 500 $100,540Sep 17: Paper Fund $103,029 · S&P 500 $100,100Sep 17: Paper Fund $103,029 · S&P 500 $100,100Sep 18: Paper Fund $103,159 · S&P 500 $101,230Sep 18: Paper Fund $103,159 · S&P 500 $101,230Sep 21: Paper Fund $101,574 · S&P 500 $101,110Sep 21: Paper Fund $101,574 · S&P 500 $101,110Sep 22: Paper Fund $101,062 · S&P 500 $102,680Sep 22: Paper Fund $101,062 · S&P 500 $102,680Sep 23: Paper Fund $101,062 · S&P 500 $102,680Sep 23: Paper Fund $101,062 · S&P 500 $102,680Sep 24: Paper Fund $98,980 · S&P 500 $101,930Sep 24: Paper Fund $98,980 · S&P 500 $101,930Sep 25: Paper Fund $98,440 · S&P 500 $101,840Sep 25: Paper Fund $98,440 · S&P 500 $101,840Sep 28: Paper Fund $97,622 · S&P 500 $102,400Sep 28: Paper Fund $97,622 · S&P 500 $102,400Sep 29: Paper Fund $97,665 · S&P 500 $101,630Sep 29: Paper Fund $97,665 · S&P 500 $101,630Sep 30: Paper Fund $97,120 · S&P 500 $101,450Sep 30: Paper Fund $97,120 · S&P 500 $101,450Oct 1: Paper Fund $96,949 · S&P 500 $101,240Oct 1: Paper Fund $96,949 · S&P 500 $101,240Oct 2: Paper Fund $97,850 · S&P 500 $101,420Oct 2: Paper Fund $97,850 · S&P 500 $101,420Oct 5: Paper Fund $97,942 · S&P 500 $102,170Oct 5: Paper Fund $97,942 · S&P 500 $102,170Oct 6: Paper Fund $98,559 · S&P 500 $102,860Oct 6: Paper Fund $98,559 · S&P 500 $102,860Oct 7: Paper Fund $98,906 · S&P 500 $103,420Oct 7: Paper Fund $98,906 · S&P 500 $103,420Oct 8: Paper Fund $98,347 · S&P 500 $103,170Oct 8: Paper Fund $98,347 · S&P 500 $103,170Oct 9: Paper Fund $99,434 · S&P 500 $102,740Oct 9: Paper Fund $99,434 · S&P 500 $102,740Oct 12: Paper Fund $99,435 · S&P 500 $103,350Oct 12: Paper Fund $99,435 · S&P 500 $103,350Oct 13: Paper Fund $100,027 · S&P 500 $103,290Oct 13: Paper Fund $100,027 · S&P 500 $103,290Oct 14: Paper Fund $99,641 · S&P 500 $103,280Oct 14: Paper Fund $99,641 · S&P 500 $103,280Oct 15: Paper Fund $100,415 · S&P 500 $102,160Oct 15: Paper Fund $100,415 · S&P 500 $102,160Oct 16: Paper Fund $101,937 · S&P 500 $102,450Oct 16: Paper Fund $101,937 · S&P 500 $102,450Oct 19: Paper Fund $102,145 · S&P 500 $101,320Oct 19: Paper Fund $102,145 · S&P 500 $101,320Oct 20: Paper Fund $101,682 · S&P 500 $101,750Oct 20: Paper Fund $101,682 · S&P 500 $101,750Oct 21: Paper Fund $102,821 · S&P 500 $102,090Oct 21: Paper Fund $102,821 · S&P 500 $102,090Oct 22: Paper Fund $102,322 · S&P 500 $102,630Oct 22: Paper Fund $102,322 · S&P 500 $102,630Jul 16Oct 22
Paper Fund $102,322S&P 500 $102,630
Paper Fund value vs. the same $100k in the S&P 500 · 71 days so far

Value $102,322 ▲ +2.3% since 2026-07-16 · ▼ -$500 (-0.5%) since yesterday · S&P +2.6% · Cash $4,872

StockHeldPriceTodaySince buyGrade
CF83 sh$116.30▼ -1.4%-10.3%90
EOG78 sh$157.88▼ -0.0%+17.2%86
FHI156 sh$56.07▲ +0.2%-6.5%93
HIG73 sh$135.82▼ -0.4%-0.6%90
INTU33 sh$335.61▲ +0.1%+13.8%87
LOPE69 sh$159.76▼ -0.4%+11.6%89
LULU85 sh$96.53▼ -3.4%-18.8%86
NBIX58 sh$141.31▼ -0.5%-17.6%90
PRI31 sh$284.63▼ -0.0%-9.0%93
RJF61 sh$155.69▲ +0.3%-5.5%89

Fictional money · prices update daily · a live test of whether the picks actually work.

🏆 Track Record

Does the grading actually work? Two honest halves — a backtest on past data, and the real live record as it ripens. It reports the truth even when that's “not enough data yet.”

Backtest — replaying history

Reconstructed 430 graded moments across 150 companies (a sample of 150 names), then measured what each actually returned over the next 12 months.

Buy calls vs the market Buy-rated stocks averaged +13.6% over 12 months vs the S&P’s +14.8% — roughly matched the market ➖

Do higher grades earn better returns?

GradeNames12-mo returnvs S&P
A (80-100)66+12.2%-1.3%
B (65-79)209+11.6%-3.9%
C (50-64)119+13.5%-1.1%
D-F (<50)36+68.8%+54.9%

→ higher grades did WORSE here (gap 56.6 pts) ⚠️

Your live record — real calls, zero hindsight

67 snapshot(s) since 2026-07-06, none ripe yet — first 6-month check ~2027-01-06.

Backtest limits: ~5 years back, surviving companies only, restated statements — a strong first read, not gospel. The live record is the hindsight-free gold standard and strengthens every month. Refreshed 2026-10-18. Educational only — not financial advice.

📰 News — What Happened & Why It Matters

Smart reading is off this run — headlines only.

About MarketMind

MarketMind is a personal, educational stock-research tool. Every morning it screens roughly 900 large- and mid-cap U.S. companies, grades each one from 0–100 on five research-backed pillars — financial health, profitability, growth, valuation, and moat — and surfaces the businesses that look strong and reasonably priced.

The idea it rests on: over the long run, a stock's price follows the company's profits. So rather than chasing hype, MarketMind looks for great businesses at fair prices and lets time do the work.

It also runs a Paper Fund — a fictional $100,000 that automatically follows the tool's own Buy ratings — so you can watch, over time, whether the picks actually work. It's pretend money: nothing here is ever bought or sold for real.

Built with free public data · refreshed every morning at 7:00 AM U.S. Central time.

Educational only — not financial advice. Nothing here is a recommendation to buy or sell any security. Always do your own research.