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.
$24.9/月 · 每周日一份个股研究简报 · 30 天无理由退款保证 · 随时取消 $24.9/mo · weekly Sunday research brief · 30-day money-back guarantee · cancel anytime
一个下午，搞懂 AI 存储这门生意Understand the AI memory business in one afternoon
《AI 产业链研究 Vol.1：存储》从零讲清 HBM、DRAM、NAND、行业格局和周期判断。不是研报摘要，是一套普通人也能用的判断框架。A seven-chapter Chinese guide to HBM, DRAM, NAND, industry structure, and cycle signals — written for curious investors, without research-report jargon.
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
读完了？这只是一张快照。Done reading? That was a snapshot.
想每周都拿到这家公司的新变化——readbiz Pro 替你持续盯着：每周日研究简报 + 新财报当周深度解读。 $24.9/月 · 了解 readbiz Pro → Want this company's new developments every week? readbiz Pro keeps watch for you: a Sunday research brief plus a deep-dive the week new earnings drop. $24.9/mo · See readbiz Pro →
免费先试，
或者今天就升级 readbiz Pro
Start free — or go readbiz Pro today.
财报阅读免费。readbiz Pro $24.9/月，一价。
解锁完整报告（深度指标、季度趋势、深度解读）+ 每周个股研究 + 财报深度分析 + 季度组合复盘。
Reading filings is free. readbiz Pro is $24.9/mo, flat.
Unlocks the full report (deep metrics, quarterly trends, deep-dive analysis) plus weekly research, earnings deep-dives, and quarterly portfolio reviews.
- ✓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 + 目标成本管理（无数量限制）Portfolio: holdings + cost targets (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
- ⭐完整报告解锁：全部深度指标、6 项健康检查、季度趋势、深度解读 narrative（免费版只看基础数据）Full report unlocked: all deep metrics, 6 health checks, quarterly trends, and deep-dive analysis (free shows basics only)
- ⭐Weekly Research：每周日一份个股研究简报，自选最多 20 家公司——付款后第一份立马发到你邮箱Weekly Research: a stock research brief every Sunday, up to 20 companies of your choice — first one sent immediately after payment
- ⭐财报深度分析：关注的公司一发新财报，当周一份完整解读到你邮箱Earnings deep-dive: when a watched company files new earnings, a full analysis lands in your inbox that week
- ⭐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
- ✓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
- ✓Pro 会员专属标识Pro member badge
- ✓$24.9/月 一价 · 30 天无理由退款保证 · 随时取消$24.9/mo flat · 30-day money-back guarantee · 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 · 30 天无理由退款保证 · 研究仅供参考，不构成投资建议Secure Stripe payment · 30-day money-back guarantee · research only, not investment advice
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.
readbiz Pro 和 Portfolio 是两个独立的产品。 订阅 Pro 不要求你用 Portfolio——你可以纯粹为了跟踪那 20 家公司订阅。 readbiz Pro and Portfolio are independent products. Subscribing to Pro doesn't require using Portfolio — you can subscribe purely to track those 20 companies.
-
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?
-
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.
-
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?
-
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 readbiz Pro（$24.9/月）——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 readbiz Pro ($24.9/mo) — 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 readbiz Pro（$24.9/月）——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 readbiz Pro ($24.9/mo) — delivered to your inbox at quarter-end.
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 readbiz Pro 付费：$24.9 / 月，一价。30 天无理由退款保证——不满意联系我们，全额退款，不问原因。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 readbiz Pro is paid: $24.9/mo, flat. We offer a full 30-day money-back guarantee. If you're not happy, just let us know and we'll issue a full refund. No hassles, no questions asked. 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.
我直接问 ChatGPT 不也能分析股票吗？为什么要付费？Can't I just ask ChatGPT to analyze a stock? Why pay?+
能问，但有三个差别。
① 它不会主动找你。ChatGPT 要你自己记得去问、自己组织问题、自己核对它用没用最新财报。readbiz Pro 是每周日自动送达 + 你关注的公司一发新财报当周就有深度解读——你什么都不用做。
② 它不读 SEC 原始文件。通用模型的训练数据有截止日期，当季的 10-Q / 8-K 它没有。readbiz 每次从 SEC EDGAR 实时拉取原始 XBRL 数据——财报刚出当天就能读，数字不是模型的记忆。
③ 它没有固定框架。每次问 ChatGPT，答案的结构、口径都在变。readbiz 用同一套四视角框架（成长性 / 现金回报 / 商业质量 / 创新性）评估每家公司——季度与季度、公司与公司之间可以横向比。
$24.9/月买的不是「AI 能不能分析」，是「有没有人替你把这件事每周固定做好、做完、送到你面前」。
You can — with three differences.
① It won't come to you. ChatGPT needs you to remember to ask, phrase the question, and verify it used the latest filing. readbiz Pro delivers every Sunday, plus a deep-dive the week any company you watch reports earnings — you do nothing.
② It doesn't read SEC source files. General models have a training cutoff; this quarter's 10-Q / 8-K isn't in there. readbiz pulls raw XBRL from SEC EDGAR in real time — readable the day a filing drops.
③ It has no fixed framework. Ask ChatGPT twice and the structure shifts. readbiz scores every company through the same four lenses (growth / cash returns / business quality / innovation) — comparable across quarters and across companies.
$24.9/mo doesn't buy "can AI analyze" — it buys "someone does this for you, every week, done and delivered."
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。近期新增 SpaceX、Broadcom、Marvell 等，新的精选公司会跟着每周的新财报陆续补全。Pro 会员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. Recently added SpaceX, Broadcom, Marvell and more; new curated companies are added weekly as new earnings come in. Pro members' watchlist companies get priority.
Portfolio、Watchlist、Weekly Research 现在能用了吗？Are Portfolio, Watchlist, and Weekly Research available now?+
能，三个都已上线。Portfolio（持仓 + 目标成本管理）免费，数量无限制。
Watchlist + Weekly Research 是 readbiz Pro（$24.9/月）功能：自选最多 20 家公司，每周日一份个股研究简报。Pro 和 Portfolio 是两个独立产品，订阅不强制绑定。
Yes — all three are live. Portfolio (holdings + cost targets) is free, with no limit on count.
Watchlist + Weekly Research are readbiz Pro features ($24.9/mo): pick up to 20 companies and get a research brief every Sunday. Pro 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.
readbiz Pro 多少钱？会有隐藏费用吗？How much is readbiz Pro? Any hidden fees?+
$24.9/月，一价，没有隐藏费用、没有阶梯加价。
30 天无理由退款保证。不满意联系我们，全额退，不问原因。之后随时可以在 Stripe 取消，当期看完不再续费。
$24.9/mo, flat — no hidden fees, no surprise tiers.
We offer a full 30-day money-back guarantee. If you're not satisfied for any reason within the first 30 days, simply reach out and we'll refund you in full. No questions asked. After that, cancel anytime via Stripe — you keep the current period and won't be charged again.
万一不满意可以退款吗？Can I get a refund?+
我们提供 30 天无理由退款保证。如果不满意，联系我们即可全额退款——不问原因，没有门槛。超过 30 天后随时可以取消，当期看完，下期不再扣款。
We offer a full 30-day money-back guarantee. If you're not satisfied for any reason within the first 30 days, simply reach out and we'll refund you in full. No questions asked. After that, 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.
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 $24.9/月 升级 readbiz Pro，解锁完整报告 + 每周个股研究。
Don't like it — close the browser, zero cost.
Like it — sign up free, or go readbiz Pro at $24.9/mo to unlock full reports plus weekly research.