Equity researchers, analysts serving small PMS and HNI clients, and long-term investors share the same constraint: time is scarce, data is messy, and conclusions must be defensible. Comparing companies across sectors or markets usually means hours of spreadsheet work, inconsistent ratios, and incomplete peer context. BS2D addresses that workflow by turning uploaded Excel balance sheets or Tally XML into scored, comparable, decision-ready reports. The same engine works for any market because it uses the user's own financials rather than a locked vendor universe.
The platform has three tiers. Business is for single-company explanation. Premium and Pro are the tools for selection and validation.
Premium Tier: Compare Five Balance Sheets and Shortlist Fast
Premium is built for the reviewer who compares before concluding. Upload up to five companies in one run. The system applies a consistent institutional score (0–100), ranks the peer set, colour-codes results, and produces a decision page for each name.
The score is not a single black-box number. It separates:
- Balance-sheet strength
- Capital allocation
- Earnings quality
Additional factors evaluated in the framework include cash flow, growth, capital efficiency, liquidity, and financial risk. Each company also receives KPIs and named risk flags. A portfolio action matrix states diligence priorities so the analyst knows what to check next rather than starting from a blank page.
Practical shortlisting use. Load five names from the same industry, a watchlist, or a client's existing holdings. Rank by institutional score. Keep the top two or three with clean flags and acceptable leverage/cash conversion. Discard or park names with weak earnings quality or deteriorating capital structure. Because the lookback can stretch to 10 years and the ratios are calculated the same way for every file, the ranking is comparable even when accounting standards or currencies differ. The output is a PDF the analyst can attach to a note or send to an HNI without rebuilding charts.
This step replaces the usual "open five annual reports and hope the ratios line up." It does not replace judgment. It compresses the first pass so the researcher spends time on the names that survive.
Pro Tier: Validate the Shortlist with Institutional-Grade Depth
After Premium has produced a shortlist, Pro scales the same scoring engine to as many as ten companies and adds portfolio-level intelligence. That is the validation layer for small PMS, family offices, and serious long-term allocators.
Pro adds:
- An executive decision brief: leader, laggard, and average score in one view
- Automated flags on debt-to-equity, cash conversion, and ROE
- Stated priorities: validate, monitor, or apply enhanced diligence
- Portfolio-level risk signals across the holding set
The extra data points sit on top of the five-factor institutional score. Analysts can see whether a high-scoring name is also converting cash, whether leverage is concentrated in a few names, and which holdings need a second look before capital is committed. The report is designed to walk into a committee or client meeting without further formatting.
Practical steps: a workflow that matches the audience
- Use Premium on five candidates (sector peers, new ideas, or existing positions). Shortlist by score, risk flags, and the action matrix.
- Move the surviving names (up to ten) into Pro. Review the executive brief, leverage/coverage warnings, and cash-conversion signals.
- Document the decision with the downloadable PDF. The numbers originated in the user's own files; nothing is invented by the platform.
Because input is the user's Excel or Tally export, the process works for Indian mid-caps, overseas listings, or private-company comparables as long as the balance-sheet structure can be mapped. Language support and client-ready takeaways make the same file usable with HNI clients who do not want raw ratio dumps.
Why this fits researchers, small PMS/HNI analysts, and long-term investors
Consistency. One framework across companies and years removes the "different spreadsheet, different formula" problem.
Speed without loss of rigor. Five-name comparison in Premium and ten-name portfolio view in Pro match the typical size of a focused PMS or concentrated long-term book.
Audit trail. Scores, flags, and takeaways sit on the user's data. The analyst can still open the original statements.
Client communication. Reports are written for people who allocate capital, not only for people who live in Excel.
BS2D does not issue buy or sell recommendations. It is decision support. Users remain responsible for verifying uploaded figures and applying their own investment policy. Used as described, Premium for shortlisting five names, Pro for institutional-grade validation of up to ten, the platform gives equity researchers and allocators a repeatable way to move from raw balance sheets to a ranked, flagged, defensible shortlist in any market.
Frequently asked questions
What is the difference between BS2D's Premium and Pro tiers?
Premium compares up to five companies at once, applying an institutional score to rank and shortlist candidates. Pro scales the same scoring engine to as many as ten companies and adds portfolio-level intelligence, including an executive decision brief, automated risk flags, and stated diligence priorities, making it a validation layer for the names that survive the Premium shortlist.
What files does BS2D accept for analysis?
BS2D works from uploaded Excel balance sheets or Tally XML exports. Because the platform scores the user's own financials rather than drawing from a fixed vendor database, it can be used for Indian mid-caps, overseas listings, or private-company comparables, as long as the balance-sheet structure can be mapped.
Does BS2D tell you which stocks to buy or sell?
No. BS2D does not issue buy or sell recommendations. It provides decision support in the form of scores, risk flags, and takeaways, and users remain responsible for verifying the uploaded figures and applying their own investment policy.
How far back does BS2D's analysis go?
The lookback period can stretch to 10 years, with ratios calculated the same way for every uploaded file. This keeps rankings comparable across companies even when accounting standards or currencies differ.