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The Finance Lens

Smita

Simple, practical insights on investing, businesses, and the economy-explained with data, real-world examples, and clear language.

Platform
Substack
PricingOnly free issuesPublishesTwice weekly
Issues283Foundeda year agoLast Issue8 days ago
Active

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Latest Issues

What Does a Stock Rating Actually Mean?

Hello and welcome back to The Finance Lens!

I was looking at a stock report recently and noticed something I have seen hundreds of times.

Buy. Hold. Sell.

Pretty simple, right?

But then I started thinking about it.

What exactly does a...

8 days ago
9
3

The Altman Z-Score: What Is Hiding Behind the Profits?

Hello and welcome back to The Finance Lens!

I have a habit of getting interested in a company because the numbers look good.

Sales are growing.

Profits are growing.

Margins look decent.

Maybe the stock has also done well.

And then, if...

15 days ago
18
4

How to Invest When You Don’t Know What You Don’t Know

Hello and welcome back to The Finance Lens!

There is something uncomfortable about investing that we don’t talk about enough.

Sometimes, you can do everything “right.”

Read the annual report.

Study the industry.

Build a DCF.

Talk to m...

22 days ago
18
2

Your Extra Cash Is Sitting in a Savings Account. Is That a Mistake?

Hello and welcome back to The Finance Lens!

Here is a situation many of us can relate to.

You have ₹5 lakh sitting in your savings account.

You don’t need all of it right now.

Maybe ₹1 lakh is enough for your regular expenses and emerge...

a month ago
23
7

When a Good Business Becomes a Difficult Stock

Hello and welcome back to The Finance Lens!

There is a strange moment in investing that doesn’t get talked about enough.

You bought a great company at ₹500.
It is now ₹800.
The business is better than when you bought it.
But the sto...

a month ago
13
2

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  • Smita

    Don't follow stock tips. Learn how to understand businesses, markets, and money so you can make better financial decisions on your own.

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