透过财报，
看懂一门生意。
readbiz 把美股上市公司的财报，翻译成你能看懂的语言。 不止给你一个结论，而是让你真正看懂这家公司怎么赚钱、健康吗、值不值得拥有。 readbiz turns US public company filings into plain language. Not just a summary — understand how a company makes money, how healthy it is, and whether it's worth owning.
Founding 价 = 早期支持者锁定的终身月费 · v2 上线后涨到 $24.9 · 已锁定用户不变 Founding price = lifetime rate for early supporters · rises to $24.9 after v2 · your rate never changes
这些报告，
不用登录就能直接读
Sample reports — read instantly, no signup needed.
数据来自 SECUpdated weekly
from SEC filings
三分钟看懂 readbiz A three-minute tour.
一段从「财报又厚又难」到「一眼看懂这家公司怎么赚钱」的小演示。 A quick demo — from "filings are thick and confusing" to "I can see how this company makes money."
让赢家充分上涨，
你只控制成本Let your winners run.
You only control the cost.
为每只股票设定一个目标成本投入。系统帮你盯住成本仓位，
剩下的——市值上涨——交给时间。
不会卖飞，也不会越买越多。
Set a target cost for each stock. The system tracks your cost position —
market appreciation takes care of itself.
No selling winners too early. No averaging up endlessly.
持续跟踪、理解
你的投资组合Continuously track
your portfolio
扫一遍 SEC 新文件、新闻和价格变化。你自己挑最多 20 家公司， 用多个互补的财务分析视角写一份研究分析——送到邮箱，也存在站内 /digest 页。 Scans new SEC filings, news, and price changes. Pick up to 20 companies — get a weekly research brief across four analytical lenses, delivered to your inbox.
Weekly Research 和 Portfolio 是两个独立的产品。 订阅 Weekly Research 不要求你用 Portfolio——你可以纯粹为了跟踪那 20 家公司订阅。 Weekly Research and Portfolio are independent products. Subscribing to Weekly Research doesn't require using Portfolio — you can subscribe purely to track those 20 companies.
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①
成长性分类 · Growth ProfileGrowth Profile
这家公司是缓慢成长股、稳健增长股，还是周期股？Is this a slow grower, stalwart, or cyclical?
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②
股东现金回报 · Owner EarningsOwner Earnings
把会计利润，还原成"你作为股东真正赚到了多少"。Convert accounting profit into what you actually earn as a shareholder.
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③
长期商业质量审视 · Business QualityBusiness Quality
这门生意 10 年后还在吗？我现在愿意全资买下来吗？Will this business exist in 10 years? Would I buy the whole thing today?
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④
颠覆性创新视角 · Innovation LensInnovation Lens
这家公司有没有正在颠覆它所在的行业？Is this company disrupting its industry?
关注的公司出新财报时
给你一份深度分析When your companies file earnings,
get a deep-dive analysis
你关注的公司出了新财报，用 5 层框架（能力圈 → 商业模式 → 管理层 → 颠覆性创新 → 财务健康） 写一份完整解读。含 Owner Earnings 估算、Red Flag 检测、Bull / Bear case、多视角解读。 When a company you follow files new earnings, get a full analysis using a 5-layer framework (circle of competence → business model → management → disruption → financial health). Includes Owner Earnings estimate, Red Flag detection, Bull/Bear case, multi-perspective commentary.
包含在 $14.9/月 Weekly Research 订阅——你 watchlist 里的公司一发新财报， 当周就给你一份深度分析，发到你邮箱。 Included in the $14.9/mo Weekly Research subscription — when a company on your watchlist files new earnings, you get a deep-dive that week, delivered to your inbox.
每季度一份
组合健康检查Quarterly
portfolio health check
每季度，对你关注的所有公司做一份系统的健康体检—— 每只股票的成长性分类、基本面信号灯、股东现金回报检查、长期商业质量审视、颠覆性创新评分。 Every quarter, a systematic health check on all your watched companies — growth profile, fundamental signal lights, owner earnings check, business quality review, innovation score.
报告含全景扫描、逐股深度评估、行业分布观察。 包含在 $14.9/月 Weekly Research 订阅——每季度末一份，发到你邮箱。 Report covers a full portfolio scan, per-stock deep-dives, and sector breakdown. Included in the $14.9/mo Weekly Research subscription — delivered to your inbox at quarter-end.
从财报查询器，
到你的私人研究助手
From a filings reader to your private research desk.
v1 已上线：搜任意美股、Watchlist、每周日个股研究、关注的公司发新财报当周一份深度分析、每季度一份组合复盘。注册即用、Founding 用户 $14.9/月 锁定 v1 价。 v1 is live: search any US stock, Watchlist, weekly Sunday research brief, deep-dive analysis when your watched companies file new earnings, quarterly portfolio review. Free to sign up; Founding users lock in $14.9/mo.
- Free中文财报解读 + SEC 原始数据Chinese commentary on SEC filings
- FreePortfolio：持仓 + 观察列表（无数量限制）Holdings + watchlist, no cap
- $14.9/moWeekly Research：每周日一份个股研究简报Weekly stock research brief, every Sunday
- $14.9/mo关注的公司发了新财报 → 一份深度分析Deep-dive analysis on each new earnings filing
- $14.9/mo每季度一份组合健康检查报告Quarterly portfolio health-check report
- $14.9/mo站内 /digest 历史页In-app history with signal lights
- $14.9/moCatalyst calendar：Portfolio 页 14 天内重要事件14-day catalyst widget on Portfolio
- $14.9/mo下次财报预览卡片Earnings preview on report pages
- Pay-per-use个股深度研究（initiating coverage）Deep-dive coverage report on any ticker
- Pay-per-use主题筛选工具 /screenThematic filter tool
- Pay-per-use行业全景报告 /sectorSector overview maps
- Tier高阶订阅（包量、价格根据 v1.5 数据定）Higher subscription tier, calibrated post-v1.5
做 readbiz 的初衷，其实就三件事——都是我自己每天在做的事。
① 财报解读。 我自己每个季度都要看上市公司的财报。因为考过 CFA，之前在视频里分享过怎么让小白看懂财报， 反馈不错。我希望更多人能真正读懂财报，所以想把它变得简单——这个工具就是为这个做的。
② Portfolio 管理。 这是我目前管理投资组合的方式。市面上没有合适的工具，我一直是先用 Google Sheets 处理， 但很不顺手。所以把这一块也做进了 readbiz。
③ 每周研报 + 财报分析 + 季度投资组合分析。 这三件事一起是我的投资系统：每周一份研究简报让我对持仓持续保持判断； 财报一出就拿到深度分析，第一时间消化每家公司的关键变化；每季度一次组合健康检查， 跳出短期噪音看大方向。现在我把这三件事都分享出来。
readbiz started from three things I do every day as an investor.
1. Reading filings. I read public company filings every quarter. I passed the CFA and previously shared how beginners can read financial statements — the response was great. I want more people to truly understand filings, so I built a tool to make it simple.
2. Portfolio management. This is how I manage my own portfolio. No existing tool fit my workflow — I was using Google Sheets and it was painful. So I built it into readbiz.
3. Weekly research + earnings analysis + quarterly portfolio review. Together these form my investment system: a weekly research brief keeps me sharp on my holdings; a deep-dive the moment a company files new earnings; a quarterly health check to step back from noise and see the big picture. Now I'm sharing all three.
几个你可能想问的 A few things we get asked.
readbiz 是免费的吗？Is readbiz free?+
现在完全免费 —— 注册账号免费，注册后输入任意美股代码就能看报告。精选公司不注册也能先读。Portfolio 也是免费的。
仅 Weekly Research 单独计费：$14.9 / 月，一价。首次订阅 7 天内可无理由退款，随时可以在 Stripe 取消。
Yes — signing up is free, and you can generate a report for any US stock ticker. Curated companies can be read without signing up. Portfolio is also free.
Only Weekly Research is paid: $14.9/mo, flat. 7-day no-questions-asked refund on first subscription. Cancel anytime via Stripe.
数据来自哪里？内容怎么生成？Where does the data come from?+
所有财务数据直接来自 SEC EDGAR（美国证监会官方数据库），跟 Bloomberg、Yahoo Finance 用的是同一个源。
readbiz 做的是把这些公开数据 —— 翻译成中文、用多维财务分析框架（成长性 / 现金回报 / 商业质量 / 创新性四个视角）做基本面解读、用更友好的方式呈现。
内容是研究性质，不是个性化建议——同一家股票，所有订阅者读到的研究内容是一致的。
All financial data comes directly from SEC EDGAR (the SEC's official database) — the same source Bloomberg and Yahoo Finance use.
readbiz takes this public data and presents it through a multi-dimensional analysis framework (growth, cash returns, business quality, innovation) in a reader-friendly format.
The content is research — not personalized advice. Every subscriber sees the same analysis for the same stock.
现在覆盖了哪些公司？什么时候加新的？Which companies are covered? When do you add new ones?+
输入任意美股代码（如 AAPL、NVDA）就能即时生成报告，数据直接来自 SEC EDGAR。
其中精选公司（—）经过人工校准，分部拆解和解读更完整。新的精选公司会跟着每周的新财报陆续补全。Founding 用户关注的公司优先完善。
Enter any US stock ticker (e.g. AAPL, NVDA) to instantly generate a report from SEC EDGAR data.
Curated companies (—) have been manually calibrated with more complete segment breakdowns and commentary. New curated companies are added weekly as new earnings come in. Founding users' watchlist companies get priority.
Portfolio、Watchlist、Weekly Research 现在能用了吗？Are Portfolio, Watchlist, and Weekly Research available now?+
能。Portfolio（持仓 + watchlist，免费、最多 20 家公司）已上线。
Weekly Research 面向 Founding 用户，$14.9/月。Weekly Research 和 Portfolio 是两个独立产品，订阅不强制绑定。
Yes. Portfolio (holdings + watchlist, free, up to 20 companies) is live.
Weekly Research is for Founding users at $14.9/mo. Weekly Research and Portfolio are independent products — subscribing to one doesn't require the other.
Weekly Research 算投资建议吗？Is Weekly Research investment advice?+
不算。readbiz 是一个教育工具。
我们做的是：把公开的财报数据 + 公司基本面，用研究框架（多个互补的财务分析视角）整理成你能读懂的中文内容。
我们 不告诉你买什么、卖什么；不发买卖信号；不评论你的持仓比例；不预测股价。
最终决策永远是你自己的（或者你的持牌投资顾问的）。报告 + 网页底部都有完整免责声明。
No. readbiz is an educational tool.
We take public filing data and fundamentals, organize them through four complementary analytical lenses, and present them in readable form.
We do not tell you what to buy or sell; do not issue trading signals; do not comment on your allocation; do not predict prices.
Final decisions are always yours (or your licensed adviser's). Full disclaimer at the bottom of every report and page.
$14.9/月 会涨价吗？现在订会被涨到 $24.9 吗？Will $14.9/mo go up? Will I get bumped to $24.9?+
不会。Founding 用户的价格永久锁定在 $14.9/月。
v2 上线后新订阅者按 $24.9/月，你不受影响 —— 这是早期支持者的回报。只要你不取消订阅，价格永远不变。
这也是为什么叫 Founding 用户 而不是"早鸟价"：早鸟价是促销，Founding 是身份。
No. Founding users are permanently locked at $14.9/mo.
After v2 launches, new subscribers pay $24.9/mo — you're unaffected. That's the reward for early support. As long as you don't cancel, your price never changes.
That's why it's called Founding user, not "early-bird pricing" — early-bird is a promo; Founding is an identity.
万一不满意可以退款吗？Can I get a refund?+
首次订阅 7 天内无理由全额退款。超过 7 天后随时可以取消，当期看完，下期不再扣款。
Full refund within 7 days of first subscription, no questions asked. After 7 days, cancel anytime — you keep the current period, and the next one won't be charged.
我的持仓数据安全吗？Is my portfolio data safe?+
Portfolio 数据登录后才能访问，加密存储；不会被卖给第三方，不会用于训练公开 AI 模型。
你随时可以一键删除账号 —— 所有数据连带清空。
Portfolio data is only accessible after login and stored encrypted. It is never sold to third parties or used to train public AI models.
You can delete your account with one click at any time — all data is wiped.
免费先试，
或者今天就成为 Founding 用户
Start free — or become a Founding user today.
财报阅读免费。Weekly Research $14.9/月 · Founding 用户终身锁定（v2 后涨到 $24.9，你不变）。
现在付款就是 Founding 用户——拿到这一批早期支持者的全部福利。
Reading filings is free. Weekly Research is $14.9/mo · Founding users lock in for life (rises to $24.9 after v2 — yours stays).
Pay now and you're a Founding user — get every early-supporter benefit.
- ✓财报阅读：输入任意美股代码即时生成报告Filing reports: enter any US stock ticker for instant analysis
- ✓Portfolio：持仓 + 关注列表（无数量限制）Portfolio: holdings + watchlist (no limit)
- ✓0 信用卡 · 0 推销邮件No credit card · no spam
邮箱 + 密码 / Google Sign-in · 不需要信用卡Email + password / Google Sign-in · no credit card
- ⭐现在付款，第一份周报立马发到你邮箱；关注的公司一发新财报，分析直接到你邮箱Pay now, first weekly brief sent to your inbox immediately; new earnings from watched companies → analysis straight to your inbox
- ⭐$14.9/月 终身锁定 · v2 上线后涨到 $24.9，你不变$14.9/mo locked for life · rises to $24.9 after v2 — yours stays
- ⭐你关注的公司优先完善：人工校准数据 + 补全解读Your watchlist companies get priority refinement: manual data calibration + full commentary
- ⭐Beta 通道：新功能你先测Beta access: test new features first
- ⭐专属 support：付款后获得创始人 X 私信直连，提需求 / 报 bugDirect support: DM the founder on X after payment — request features / report bugs
- ✓Weekly Research：每周个股研究简报，自选最多 20 家公司Weekly Research: weekly stock research brief, choose up to 20 companies
- ✓财报深度分析报告：关注的公司一发新财报，给你一份深度分析Earnings deep-dive: in-depth analysis when your watched companies file new earnings
- ✓季度组合健康检查：每季度对你关注的所有公司做一次系统的健康体检Quarterly portfolio health check: systematic review of all your watched companies each quarter
- ✓Founding 用户标识 · 早期支持者身份Founding user badge · early supporter status
- ✓7 天无理由退款 · 随时取消7-day no-questions refund · cancel anytime
- ☐可选：产品 & 功能更新通知（注册后开关）Optional: product & feature update notifications (toggle after signup)
Stripe 安全支付 · 7 天无理由退款 · 研究仅供参考，不构成投资建议Secure Stripe payment · 7-day refund · research only, not investment advice
花 60 秒 读一家公司，
看看是不是你想要的
Spend 60 seconds reading a company.
See if it's what you're looking for.
不喜欢 — 关掉浏览器，零成本。
喜欢 — 免费注册，或者 $14.9/月 直接成为 Founding 用户 — 终身锁定，v2 上线后涨到 $24.9，你不变。
Don't like it — close the browser, zero cost.
Like it — sign up free, or go $14.9/mo to become a Founding user — locked for life, rises to $24.9 after v2, yours stays.