MarketMind
Thursday, July 23, 2026
S&P 500 +20% past year — the bar to beat.
Market
☀️ Fair
a reasonable time for quality buys.
New Buys Today
4
since yesterday
Paper Fund
$97,250
▼ -2.7% all-time
Mode
⚖️ Balanced
balanced mix

⭐ What's New Today

🆕 New buy APPF grade 78, CCK grade 75, DHR grade 73, PEGA grade 73
➖ No longer a buy RRC (Buy→Hold), MPWR (Buy→Hold), EQT (Buy→Hold)

🟢 Top Buys Today

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

1 PRI Primerica, Inc. 92
Excellent · Steady pick
✅ Strong, healthy financesinterest coverage 41.7x · current ratio 3.60 · positive free cash flow
✅ Highly profitableROE 32% · net margin 23% · gross margin 72%
2 NEM Newmont Corporation 90
Excellent · Faster-growth pick
✅ Strong, healthy financesdebt/equity 16% · interest coverage 50.5x · current ratio 2.44 · positive free cash flow
✅ Growing quicklyrev CAGR 24% · rev YoY 46% · EPS YoY 79%
3 DUOL Duolingo, Inc. 90
Excellent · Faster-growth pick
✅ Strong, healthy financesdebt/equity 7% · current ratio 2.62 · positive free cash flow
✅ Highly profitableROE 37% · net margin 38% · gross margin 73%
🔎 Weaker on stability
4 HIG The Hartford Insurance Group, Inc. 90
Excellent · Steady pick
✅ Attractively pricedP/E 10 · PEG 0.1 · FCF yield 14.5%
✅ Strong, healthy financesinterest coverage 24.9x · current ratio 1.79 · positive free cash flow
5 LOPE Grand Canyon Education, Inc. 90
Excellent · Steady pick
✅ Strong, healthy financesdebt/equity 15% · interest coverage 75830.2x · current ratio 2.75 · positive free cash flow
✅ Steady and stablebeta 0.57 · steady margins

…and 281 more buy candidates in the full briefing.

⚠️ Getting Worse — Watch

32 name(s) sliding toward Avoid: ALK, WY, TXNM, SBUX, NNN, ORA, FDXF, BKH, DTE, SO, AES, CNP, OGS, ETR, XEL, EVRG, FE, CMS, LNT, SR, D, NI, DUK, WMB, AEP, EIX, AEE, NEE, PCG, EQT, MPWR, RRC

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

$96,975$98,075$99,175$100,275Jul 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 16Jul 23
Paper Fund $97,250S&P 500 $99,220
Paper Fund value vs. the same $100k in the S&P 500 · 7 days so far

Value $97,250 ▼ -2.7% since 2026-07-16 · ▼ -$1,674 (-1.7%) since yesterday · S&P -0.8% · Cash $1,016

StockHeldPriceTodaySince buyGrade
DUOL77 sh$119.51▼ -4.2%-7.3%90
HIG73 sh$140.84▼ -0.8%+3.1%90
INTU33 sh$284.47▼ -1.9%-3.5%88
LOPE69 sh$136.72▼ -1.2%-4.5%90
META15 sh$627.17▼ -2.6%-5.6%89
NBIX58 sh$172.69▼ -3.6%+0.7%89
NEM110 sh$95.75▲ +3.5%+5.4%90
PRI31 sh$312.84▲ +1.1%+0.0%92
PTC78 sh$113.11▼ -6.3%-11.2%90
RMD49 sh$192.91▼ -1.5%-4.9%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 319 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 +15.4% over 12 months vs the S&P’s +15.6% — roughly matched the market ➖

Do higher grades earn better returns?

GradeNames12-mo returnvs S&P
A (80-100)44+13.0%-1.1%
B (65-79)162+12.1%-3.7%
C (50-64)89+15.3%-0.2%
D-F (<50)24+41.0%+27.2%

→ higher grades did WORSE here (gap 28.0 pts) ⚠️

Your live record — real calls, zero hindsight

3 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 2026-07-19. 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.