Asset
The ranked security or market asset, including name, ticker, category, logo, and listing context where available.
Top Picks methodology
How to read the iPulse AI Top Picks table
Top Picks turns deep forecast analysis into a ranked, column-level decision surface. This page explains what each column means, where the values come from, and how dividend contribution, Risk Score, and Financial Health should be interpreted.
Updated July 16, 2026
Overview
Top Picks is a ranked research table, not a raw data dump
The Top Picks table ranks assets by the selected asset class, action, horizon, and return treatment. It is designed to show the most important decision fields in one row: consensus score, rating, expected return, dividend contribution, valuation, risk pressure, financial quality, volatility, and forecast price context.
The table is intentionally column-driven. Some columns are universal across asset classes, while others only appear when the underlying asset has suitable data. For example, Financial Health is equity-only, and P/E ratio is meaningful only when earnings fundamentals are available.
Top Picks is for research support and comparison. It is not personalized financial advice, and every ranked asset should still be reviewed through its asset page, forecast path, drivers, risks, and disclaimer.
Ranking
Rows are ordered by the selected ranking view
The default ranking uses the canonical dividend-inclusive iPulse AI Consensus Score when dividend treatment is enabled. If a view is switched to price-only where diagnostic fields exist, the table can show ex-dividend score and signal values for comparison.
Ranking basis
Top Buy views prioritize stronger positive iPulse AI Scores and bullish ratings. Top Sell views prioritize weaker or negative iPulse AI Scores and bearish ratings. The score itself is explained in the Consensus Score methodology.
Column dictionary
What each Top Picks column means
iPulse AI Score
A -1000 to +1000 risk-adjusted consensus score. Positive values lean bullish, negative values lean bearish, and values near zero are weaker or more balanced.
Consensus Rating
The directional rating band derived from the iPulse AI Score and economic guardrails, such as STRONG BUY, BUY, NEUTRAL, PARTIALLY SELL, or SELL ALL.
Expected Return Incl. Divds
The total compounded return over the full selected horizon, including reinvested annual net dividends when usable dividend history exists.
Annualized Return Incl. Divds
The dividend-inclusive return converted to a one-year equivalent rate, useful for comparing 1Y, 3Y, and 5Y horizons.
Net Dividend Contrib.
The annual net dividend contribution used by the ranking pipeline. It is estimated from historical cash-dividend events and prior close prices.
P/E Ratio
Trailing valuation multiple for equities, computed upstream as market cap divided by trailing four-quarter net income, with currency normalization where needed.
Risk Score
A 0-100 event-risk pressure score from clustered consensus frictions and tail risks. Higher means riskier.
Financial Health
A 0-100 equity-only quality score based on liquidity, leverage safety, profitability, cash generation, and operating trend.
Annualized Historic Volatility
The historical annualized volatility used as a risk context input. It is not the same as Risk Score.
Forecast Price / Initial Price
The projected horizon price compared with the latest close price used by the ranking snapshot.
Price Data Cutoff Date
Shown in comparison views to identify which market close date was used for a row or recomputed snapshot.
Dividend treatment
Net Dividend Contrib. explains the income component of total return
Net Dividend Contrib. describes the dividend income component used in dividend-inclusive total return. It is not a marketing yield estimate; it is the pipeline input used to adjust expected return for dividend-paying assets.
Dividend uplift formula
dividend_adjusted_return =
((1 + price_return) * (1 + annual_net_dividend_contribution)^years) - 1
annualized_return =
(1 + dividend_adjusted_return)^(1 / years) - 1Assets without usable dividend history receive no dividend uplift. For some views, price-only diagnostics may still exist, but the canonical Top Picks ranking uses the dividend-inclusive basis when dividend treatment is enabled.
Risk Score
Risk Score measures clustered event-risk pressure
Risk Score is based on the SEO/GEO summary layer after repeated advisor concerns have been consolidated into consensus friction factors and consensus tail risks. It does not include historical volatility or advisor disagreement, because those are separate diagnostics.
Risk Score formula
friction_pressure =
sum(abs(friction_impact_pct) * rank_weight)
where rank weights are 1.00, 0.75, 0.55, 0.40
tail_risk_pressure =
sum(abs(downside_impact_pct) * probability_pct / 100 * rank_weight)
where rank weights are 1.00, 0.65
raw_event_pressure =
0.60 * friction_pressure + 0.40 * tail_risk_pressure
risk_score =
percentile(raw_event_pressure), 0 to 100, higher means riskierThe Asset Snowflake uses the display-friendly inverse, Risk Resilience = 100 - Risk Score.
Financial Health
Financial Health is an equity-only fundamentals score
Financial Health is shown only when enough equity fundamentals are available. It is not used as a universal score for crypto, commodities, FX, or indices because those assets do not share the same balance sheet and income statement structure.
Financial Health formula
financial_health_score =
0.20 * liquidity
+ 0.25 * leverage_safety
+ 0.25 * profitability
+ 0.20 * cash_generation
+ 0.10 * operating_trend20 percent
Liquidity
Current ratio and cash-to-current-liabilities percentiles. Higher liquidity scores better.
25 percent
Leverage safety
Net-debt-to-EBITDA and liabilities-to-equity percentiles, inverted so lower leverage stress scores better.
25 percent
Profitability
Operating margin and return on equity percentiles.
20 percent
Cash generation
Free-cash-flow margin and operating-cash-flow-to-net-income percentiles.
10 percent
Operating trend
Three-year revenue CAGR and three-year operating margin change percentiles.
The score can be AVAILABLE, PARTIAL, INSUFFICIENT_DATA, or NOT_APPLICABLE depending on how much usable fundamental data exists for the asset.
Display rules
Some columns appear only when the data is meaningful
Top Picks avoids showing blank or misleading columns where possible. Risk Score appears when event-risk pressure is available. Financial Health appears when equity fundamentals are sufficient. P/E appears when earnings data supports a meaningful multiple. Voice-count columns appear in detailed table modes.
The main table focuses on dividend-inclusive expected return and annualized return. Price-only return remains part of forecast price diagnostics, but it is not the primary column for Top Picks ranking.