How to Analyze Your Stock Portfolio: 6 Steps in Order
Your return tells you what happened. These six steps tell you why, and what could happen next: allocation, concentration, overlap, correlation, drawdown and a fair benchmark.
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Portfolio Analysis: 16 Checks on What’s Wrong With Your Portfolio
Exent’s portfolio analysis reads your holdings from a screenshot or file and runs 16 quantitative checks in about a minute. Here is every check in one sentence, a sample report built from real data, and what the analysis is not.
Key takeaways
- Exent’s portfolio analysis runs 16 checks on your real holdings in about a minute, from concentration and correlation clusters to crash replays of five past crises and a risk‑matched benchmark. No brokerage login.
- You add holdings with a screenshot, a CSV, Excel or PDF file, or a Google Sheet link. AI reads the file; quantitative models do the math.
- In a sample five‑holding portfolio built from Exent’s data, every stock fell more than the S&P 500 in the 2022 bear market, and only two of five beat the index’s 5‑year Sharpe ratio of 0.69.
- It is a second opinion on structure and risk, not investment advice. Exent does not hold money, place trades or tell you what to buy.
In this article
- Is there an app that tells me what’s wrong with my portfolio?
- What are the 16 checks in Exent’s portfolio analysis?
- How do I get my portfolio into Exent without linking my broker?
- What does a portfolio analysis report look like? A sample
- How is this different from my broker app or a portfolio tracker?
- Can I get a second opinion on my portfolio without an advisor?
- Who is Exent’s portfolio analysis for, and what is it not?
- How much does the portfolio analysis cost?
Is there an app that tells me what’s wrong with my portfolio?
Yes. Exent’s Portfolio Analysis takes the holdings you already own and runs 16 checks on them in about a minute. It answers the questions a broker app does not: how concentrated you are, which holdings move as one bet, what past crashes would have done to today’s mix, and whether your return has paid you for the risk you take.
The numbers come from quantitative models on market data. AI has two jobs only: reading your screenshot or file, and explaining the results in plain English. Exent is an AI portfolio intelligence platform for self‑directed investors. It is not an adviser or a broker, and the decisions stay yours.
You can keep several portfolios, for example a taxable account and a retirement account, and analyze each one separately.
What are the 16 checks in Exent’s portfolio analysis?
The report groups its checks into four questions: is the portfolio healthy, how steady is it, where is the risk, and what do analysts and insiders do with what you own. Each check below is one section of the report.
| # | Check | What it tells you |
|---|---|---|
| 1 | Performance vs the market | Your return over the period you pick against the S&P 500, Nasdaq‑100, Russell 2000, US bonds or Bitcoin. |
| 2 | Cost basis and P&L | What you have made or lost against what you paid, realized and unrealized, using the average‑cost method. |
| 3 | Allocation and concentration | Your mix by asset type and by position, including how much of the money sits in your top five holdings. |
| 4 | Holdings scorecard | Every holding labelled Wealth Generating, Wealth Preserving, Prospect or Risky, based on its track record and safety checks. |
| 5 | Structure and risk share | Each role’s share of your money next to its share of your risk, so you see where risk really comes from. |
| 6 | Efficient frontier | The best expected return some mix of the holdings you already own could reach at each level of volatility, and where you sit. |
| 7 | Expected return and volatility | A projected yearly return from past data (an estimate, not a promise) and how much the value swings in a year. |
| 8 | Sharpe, Sortino and Calmar | Return per unit of total risk, per unit of downside risk, and per unit of worst fall, plus beta to the market. |
| 9 | Risk‑matched benchmark | A passive blend of indexes matched to your holdings, so you can see whether you beat a yardstick that carries your kind of risk. |
| 10 | Monthly returns | A month‑by‑month grid with streaks, your share of green months and what a normal bad month looks like. |
| 11 | Drawdown and recovery | Your deepest and average falls from a peak, time spent underwater and how long recoveries took. |
| 12 | Tail risk | Value at risk and conditional VaR: the loss your worst 5% of months went beyond, and their average. |
| 13 | Crash replays | How each holding fell in five past crises: 2007–09, the 2018 trade war, COVID in 2020, the 2022 rate hikes and the 2025 tariff selloff. |
| 14 | Correlation clusters | Groups of holdings that move together (0.75 or more), and how many truly independent positions you have. |
| 15 | Crash liability | Each holding’s share of the portfolio’s loss in its worst 5% of months, and whether anything you own offset it. |
| 16 | Analysts and insiders | Wall Street consensus, price targets and upside for each stock you own, plus insider, fund (13F) and Congress trades in them. |
Overlap is measured through correlation: Exent looks at how your holdings’ returns move together, not inside each ETF’s list of stocks. That catches two different funds, or a fund and a stock, that behave like one bet. More on why that matters in how to check if your stocks are correlated, and on the yardstick in what a risk‑matched benchmark is.
Beyond the 16 checks, the app includes a what-if simulator: change tickers and weights to see how risk, return and crash exposure would change, before you trade. It is a simulation, not a live trade.
How do I get my portfolio into Exent without linking my broker?
You upload what your broker already shows you. Exent never asks for a brokerage login, password or account link, so it cannot see or move your money.
| How you add holdings | What Exent reads |
|---|---|
| Screenshot of your positions | Ticker or name, number of shares, and value or weight where shown |
| CSV, TSV or TXT export | The same fields from your broker’s download |
| Excel (.xlsx) or PDF statement | Positions from the holdings table |
| Google Sheet link | A sheet shared as “anyone with the link can view” |
| Ticker search | Add or fix any single holding by hand |
After the holdings are confirmed, the analysis runs in about a minute. Each section of the report opens with its answer in one plain sentence, such as how many independent positions your holdings really add up to, with the charts and detail below it. Terms like drawdown, VaR or Sharpe ratio carry a one‑tap definition, so you do not need a finance background to read the report. When you change your holdings, you run the analysis again and compare.
You check the holdings Exent read before anything is saved. It works with any broker that lists your positions, including Robinhood, Fidelity, Schwab, Interactive Brokers, Wealthsimple, Trading 212 and Revolut. Formats and limits are in how screenshot import works.
What does a portfolio analysis report look like? A sample
Here is part of a report for a sample portfolio of five holdings: Nvidia, Apple, Microsoft, Amazon and the Schwab U.S. Dividend Equity ETF (SCHD). All five are among the most‑held tickers in Exent’s anonymized retail portfolio data. The figures are real market data from Exent’s data pages, as of Sep 30, 2026. The portfolio itself is a sample, not a real account.
| Sample holding | 2007–09 | 2018 trade war | COVID 2020 | 2022 rate hikes | 2025 tariffs | 5‑year Sharpe |
|---|---|---|---|---|---|---|
| NVDA | −85.1% | −56.0% | −37.6% | −61.8% | −32.7% | 1.16 |
| AAPL | −60.9% | −36.7% | −30.7% | −28.5% | −30.2% | 0.70 |
| MSFT | −59.1% | −18.6% | −27.7% | −32.7% | −14.8% | 0.48 |
| AMZN | −65.3% | −33.2% | −22.7% | −40.0% | −24.7% | 0.31 |
| SCHD | Not yet trading | −18.3% | −32.7% | −18.9% | −14.8% | 0.43 |
| S&P 500 (SPY) | −56.5% | −20.2% | −34.1% | −25.4% | −19.0% | 0.69 |
- NVDA
- 2007–09
- −85.1%
- 2018 trade war
- −56.0%
- COVID 2020
- −37.6%
- 2022 rate hikes
- −61.8%
- 2025 tariffs
- −32.7%
- 5‑year Sharpe
- 1.16
- AAPL
- 2007–09
- −60.9%
- 2018 trade war
- −36.7%
- COVID 2020
- −30.7%
- 2022 rate hikes
- −28.5%
- 2025 tariffs
- −30.2%
- 5‑year Sharpe
- 0.70
- MSFT
- 2007–09
- −59.1%
- 2018 trade war
- −18.6%
- COVID 2020
- −27.7%
- 2022 rate hikes
- −32.7%
- 2025 tariffs
- −14.8%
- 5‑year Sharpe
- 0.48
- AMZN
- 2007–09
- −65.3%
- 2018 trade war
- −33.2%
- COVID 2020
- −22.7%
- 2022 rate hikes
- −40.0%
- 2025 tariffs
- −24.7%
- 5‑year Sharpe
- 0.31
- SCHD
- 2007–09
- Not yet trading
- 2018 trade war
- −18.3%
- COVID 2020
- −32.7%
- 2022 rate hikes
- −18.9%
- 2025 tariffs
- −14.8%
- 5‑year Sharpe
- 0.43
- S&P 500 (SPY)
- 2007–09
- −56.5%
- 2018 trade war
- −20.2%
- COVID 2020
- −34.1%
- 2022 rate hikes
- −25.4%
- 2025 tariffs
- −19.0%
- 5‑year Sharpe
- 0.69
Sample. Crisis columns are peak‑to‑trough falls from daily prices inside each crisis window. The Sharpe ratio uses monthly total returns over the five years to Sep 30, 2026, with T‑bills as the risk‑free rate. Source: Exent’s data, as of Sep 30, 2026.
What the report would point out in this sample:
- In the 2022 rate‑hike bear market, all four stocks fell more than the S&P 500’s 25.4%. Nvidia fell 61.8%.
- In the 2018 trade‑war selloff, Nvidia fell 56.0% against 20.2% for the index. One holding can dominate a portfolio’s crash.
- The dividend ETF did not cushion every crisis: SCHD fell 32.7% in the COVID crash, close to the index’s 34.1%.
- Only Nvidia (1.16) and Apple (0.70) beat the S&P 500’s 5‑year Sharpe of 0.69. Amazon earned 0.31 per unit of risk.
- Over 60 months, the four stocks’ correlation with the Nasdaq‑100 ran from 0.63 (Microsoft) to 0.79 (Nvidia), against 0.43 for SCHD: much of this portfolio is one large‑cap tech bet.
In the app, the same report also shows the pairwise correlation clusters between your holdings, each holding’s share of the crash losses (crash liability), your position against the efficient frontier and the risk‑matched benchmark. You can try the crash part on its own with the crash test.
How is this different from my broker app or a portfolio tracker?
A broker app and most trackers show prices, gains and an allocation pie. A portfolio analysis looks at how the pieces behave together, which is where most hidden risk sits.
| Question | Broker app or tracker | Exent portfolio analysis |
|---|---|---|
| Am I up or down? | Yes | Yes, against the index you choose |
| Which holdings move as one bet? | No | Correlation clusters |
| What would a past crash do to today’s mix? | No | Crash replays of five crises and crash liability |
| Is my return worth the risk? | Rarely | Sharpe, Sortino, Calmar and a risk‑matched benchmark |
| Could the same holdings work harder? | No | Your position against the efficient frontier |
| What do analysts and insiders do with my stocks? | Sometimes, per stock | All your holdings in one view |
The difference matters most for portfolios that look diversified by count. Ten holdings can behave like three if most of them are large technology companies, and an S&P 500 fund plus a Nasdaq‑100 fund is closer to one position than two: their correlation over the last 60 months was 0.92 in Exent’s data. A tracker shows two funds; the analysis shows one cluster.
If you want to check whether your mix is diversified before uploading anything, start with is my portfolio diversified?
Can I get a second opinion on my portfolio without an advisor?
Yes, for the measurable part. A portfolio analysis gives you an independent, quantitative read of structure and risk: the same numbers whether markets are calm or not, with no product to sell you. It is a good way to prepare better questions for an adviser, or to check a portfolio you manage yourself.
It cannot replace the parts that need a person who knows your whole situation:
- your goals, time horizon, income needs and other assets;
- taxes, estate planning and account choices;
- a personal recommendation on what to buy, sell or hold.
Exent gives the numbers and explains them. What to do with them is your decision, or one to make with a licensed professional. If you want the do‑it‑yourself route first, how to analyze your stock portfolio walks through the checks by hand.
Who is Exent’s portfolio analysis for, and what is it not?
It is built for self‑directed investors who hold individual stocks and ETFs and want to see the structure behind their money.
| It is | It is not |
|---|---|
| A risk and structure check on the holdings you own | Investment, tax or legal advice |
| Read‑only: works from screenshots and files | A broker: it never holds funds or places trades |
| Historical data and statistical models | A forecast of what your portfolio will return |
| Correlation‑based overlap between holdings | An ETF look‑through of each fund’s underlying stocks |
| Phone‑first web app at app.exent.ai | A native app‑store app |
Every figure is past data or a model estimate, and both can be wrong. How each number is calculated is on the methodology page. To go further than diagnosis, the portfolio optimization guide explains how investors trade return against risk.
How much does the portfolio analysis cost?
Exent starts with a 3-day trial for $1.95. It includes the full portfolio analysis with unlimited checks, plus Gems: stocks where several top‑rated Wall Street analysts (4★ and above in Exent’s scoring) agree. After the trial, membership continues at $59/month until you cancel.
- Upload your holdings and see the report in about a minute.
- Analyze more than one portfolio in the same account.
- Gems are research starting points from analysts with strong past records, explained in what Exent Gems are. They are not buy signals.
- Cancel any time in Settings → Membership; requests are handled within 24 hours.
More on how analysts are scored and how Gems are picked in what are Exent Gems.
Frequently asked questions
It is a report on your own holdings with 16 checks, including concentration, correlation clusters, crash replays of five past crises, a risk-matched benchmark, the efficient frontier, Sharpe, Sortino and Calmar ratios, drawdowns, and analyst and insider activity. It takes about a minute.
No. You upload a screenshot or a CSV, Excel, PDF or Google Sheet file. Exent never asks for broker logins or passwords.
Any broker or app that shows your holdings, including Robinhood, Fidelity, Schwab, Interactive Brokers, Wealthsimple, Trading 212 and Revolut. If you can screenshot or export the positions, Exent can read them.
No. Exent measures overlap through correlation clusters: how closely your holdings’ returns move together. That shows which funds and stocks behave like one bet, without listing each fund’s underlying stocks.
No. It is an educational analytics tool based on historical data and statistical models. It shows how your portfolio is built and how it behaved; the decisions stay yours.
The calculations use market data and standard formulas, and the methodology is published. They describe the past and model estimates, which carry uncertainty and do not predict future returns.
About a minute once your holdings are read and confirmed. You review the holdings Exent found before the analysis runs.
Yes. You can keep several portfolios in one account and run the analysis on each.
See what your portfolio is really made of.
Upload a screenshot of your holdings and get concentration, overlap, crash exposure and a risk-matched benchmark in about a minute.
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Educational content, not investment advice. Examples are illustrative; past performance does not guarantee future results.