Revenu · portefeuille d’exemple

Portefeuille illustratif d’actions à dividendes, noté

Exemple fixe et équipondéré publié le 17 septembre 2026. Ces sociétés ont des historiques de dividendes différents, avec des baisses chez AT&T et 3M. Il ne s’agit ni d’une liste actuelle d’aristocrates du dividende ni d’une affirmation de croissance ininterrompue.

AT&T (2022) 3M (2024)

Le portefeuille

JNJ10%
PG10%
KO10%
PEP10%
MCD10%
XOM10%
CVX10%
ABBV10%
MMM10%
T10%

Pondérations comme indiqué, profil de risque Faible. Renoté automatiquement environ une fois par semaine ; la date et la version du moteur figurent sur le résultat.

68.8 / 100

Score de portefeuille Bon

Solide, avec des points précis à resserrer.

La structure tient. Une ou deux composantes tirent le score vers le bas ; elles sont nommées ci-dessous par ordre de priorité.

Faible Neutre Bon Solide

10 positions résolues · profil de risque Faible · moteur 2026-03-07-v5 · trajectoire stable (4% de confiance)

Qu’est-ce qu’un bon score ? → Noter mon propre portefeuille

Plus grosse position: 10.0% JNJ · limite 20%
Positions effectives: 10.0 sur 10 détenues · cible 10
Secteur principal: 30.0% Consommation défensive
Bêta pondéré: 0.42 sensibilité au marché
Plan d’exposition: 58% investi 42% de liquidités · équilibrée
Vous êtes à: 100% investi 0% de liquidités

Scores par composante

Diversification100
Équilibre du risque88
Qualité60
Signal69
Tendance41
Contexte de marché0

Une composante affiche « pas de données » quand le moteur manque de preuves pour elle : c’est signalé, pas deviné.

Quoi regarder en premier

À surveiller Un secteur domine
Consommation défensive représente 30.0% de la valeur investie. Quand un secteur pèse autant, un seul thème macro détermine l’essentiel du résultat.
Priorité Le plan d’exposition privilégie un coussin de liquidités
Compte tenu des preuves actuelles de signal, de tendance et de concentration, le plan vise environ 58.1% investi et 41.9% de liquidités, déployés à un rythme progressif.
À surveiller Preuves factorielles limitées
Les preuves factorielles manquent pour 100.0% de la valeur investie, ce qui limite le contexte prospectif que le moteur peut soutenir.
Priorité Positions importantes aux lectures faibles
T, PEP, MCD pèsent lourd avec des scores de position bas. Ce sont elles qui tirent le plus le score composite vers le bas.

Positions

Ticker	Secteur	Valeur	Poids	Signal	Score	Profil
JNJ	Santé	10,000	10.0%	ACHETER	2.66	défensive
PG	Consommation défensive	10,000	10.0%	CONSERVER	0.00	cœur
KO	Consommation défensive	10,000	10.0%	ACHETER	5.80	cœur
PEP	Consommation défensive	10,000	10.0%	CONSERVER	-1.92	redressement
MCD	Consommation cyclique	10,000	10.0%	CONSERVER	-1.67	redressement
XOM	Énergie	10,000	10.0%	CONSERVER	0.00	cyclique
CVX	Énergie	10,000	10.0%	CONSERVER	0.00	cyclique
ABBV	Santé	10,000	10.0%	ACHETER	7.03	défensive
MMM	Industrie	10,000	10.0%	CONSERVER	-0.39	cyclique
T	Services de communication	10,000	10.0%	CONSERVER	-1.96	revenu

Limites des preuves :

Données de notation manquantes pour une partie du portefeuille
Preuves factorielles propres à la lentille manquantes pour une grande partie du portefeuille
La faible confiance dans les preuves factorielles réduit la fiabilité prospective

POST /evaluate

Chaque chiffre ci-dessus provient d’un seul appel à l’API.

Cette page est le JSON ci-dessous, mis en forme. Construisez la même chose dans un tableau de bord, un outil pour conseillers ou un agent IA. Même moteur sur toutes les offres, cinq évaluations gratuites par mois avec une clé API.

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Afficher la réponse brute

{
    "ok": true,
    "evaluation": {
        "engine_version": "2026-03-07-v5",
        "score": 68.7999999999999971578290569595992565155029296875,
        "health_score": 68.7999999999999971578290569595992565155029296875,
        "status": "Good",
        "status_key": "good",
        "count": 10,
        "weighted_score": 0.95999999999999996447286321199499070644378662109375,
        "max_position_weight": 10,
        "max_position_ticker": "JNJ",
        "effective_positions": 10,
        "weighted_beta": 0.419999999999999984456877655247808434069156646728515625,
        "signal_mix": {
            "buy": 30,
            "hold": 70,
            "sell": 0
        },
        "trend_alignment_pct": 30,
        "trend_negative_pct": 40,
        "weighted_grade_score": 3.899999999999999911182158029987476766109466552734375,
        "weighted_dividend_score": 4.79999999999999982236431605997495353221893310546875,
        "top_sector": "Consumer Defensive",
        "top_sector_weight": 30,
        "score_components": {
            "signal": 69.099999999999994315658113919198513031005859375,
            "diversification": 100,
            "risk": 88.099999999999994315658113919198513031005859375,
            "quality": 60.39999999999999857891452847979962825775146484375,
            "trend": 41,
            "macro": 0.200000000000000011102230246251565404236316680908203125
        },
        "trajectory": {
            "direction": "stable",
            "confidence": 3.79999999999999982236431605997495353221893310546875,
            "summary": "Mixed signals"
        },
        "context_alignment": {
            "score": 0.200000000000000011102230246251565404236316680908203125,
            "coverage_pct": 100,
            "matched_weight_pct": 100,
            "top_sector_view": null
        },
        "forward_confidence": 62.7999999999999971578290569595992565155029296875,
        "exposure_plan": {
            "target_invested_pct": 58.10000000000000142108547152020037174224853515625,
            "target_cash_pct": 41.89999999999999857891452847979962825775146484375,
            "min_invested_pct": 45.7000000000000028421709430404007434844970703125,
            "max_invested_pct": 70.5,
            "min_cash_pct": 29.5,
            "max_cash_pct": 54.2999999999999971578290569595992565155029296875,
            "base_invested_pct": 55,
            "stance": "balanced",
            "deployment_speed": "gradual",
            "confidence": 62.39999999999999857891452847979962825775146484375,
            "market_regime_score": 50,
            "market_regime_code": "",
            "reason_codes": [
                "positive_signal_balance",
                "negative_trend_pressure"
            ],
            "components": {
                "market_adjustment": 0,
                "signal_adjustment": 5.25,
                "trend_adjustment": -1,
                "sell_penalty": 0,
                "concentration_penalty": 0
            }
        },
        "holding_analysis": [
            {
                "ticker": "JNJ",
                "weight_pct": 10,
                "score": 2.660000000000000142108547152020037174224853515625,
                "signal": "BUY",
                "sector": "Healthcare",
                "profile": "defensive",
                "lens": "defensive_quality",
                "classification_confidence": 74,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "defensive_sector",
                    "beta_supports_defensive"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 4,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 74
            },
            {
                "ticker": "PG",
                "weight_pct": 10,
                "score": 0,
                "signal": "HOLD",
                "sector": "Consumer Defensive",
                "profile": "core",
                "lens": "core_quality",
                "classification_confidence": 28,
                "classification_quality": "weak",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "fallback_core"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 28
            },
            {
                "ticker": "KO",
                "weight_pct": 10,
                "score": 5.79999999999999982236431605997495353221893310546875,
                "signal": "BUY",
                "sector": "Consumer Defensive",
                "profile": "core",
                "lens": "core_quality",
                "classification_confidence": 28,
                "classification_quality": "weak",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "fallback_core"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 28
            },
            {
                "ticker": "PEP",
                "weight_pct": 10,
                "score": -1.9199999999999999289457264239899814128875732421875,
                "signal": "HOLD",
                "sector": "Consumer Defensive",
                "profile": "turnaround",
                "lens": "recovery",
                "classification_confidence": 68,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "negative_medium_score"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 68
            },
            {
                "ticker": "MCD",
                "weight_pct": 10,
                "score": -1.6699999999999999289457264239899814128875732421875,
                "signal": "HOLD",
                "sector": "Consumer Cyclical",
                "profile": "turnaround",
                "lens": "recovery",
                "classification_confidence": 68,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
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                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 68
            },
            {
                "ticker": "XOM",
                "weight_pct": 10,
                "score": 0,
                "signal": "HOLD",
                "sector": "Energy",
                "profile": "cyclical",
                "lens": "macro_cyclical",
                "classification_confidence": 64,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "cyclical_sector"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 64
            },
            {
                "ticker": "CVX",
                "weight_pct": 10,
                "score": 0,
                "signal": "HOLD",
                "sector": "Energy",
                "profile": "cyclical",
                "lens": "macro_cyclical",
                "classification_confidence": 64,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "cyclical_sector"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 64
            },
            {
                "ticker": "ABBV",
                "weight_pct": 10,
                "score": 7.03000000000000024868995751603506505489349365234375,
                "signal": "BUY",
                "sector": "Healthcare",
                "profile": "defensive",
                "lens": "defensive_quality",
                "classification_confidence": 74,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "defensive_sector",
                    "beta_supports_defensive"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 4,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 74
            },
            {
                "ticker": "MMM",
                "weight_pct": 10,
                "score": -0.39000000000000001332267629550187848508358001708984375,
                "signal": "HOLD",
                "sector": "Industrials",
                "profile": "cyclical",
                "lens": "macro_cyclical",
                "classification_confidence": 74,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
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                    "beta_supports_cyclical"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 74
            },
            {
                "ticker": "T",
                "weight_pct": 10,
                "score": -1.95999999999999996447286321199499070644378662109375,
                "signal": "HOLD",
                "sector": "Communication Services",
                "profile": "income",
                "lens": "income",
                "classification_confidence": 86,
                "classification_quality": "strong",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "high_dividend_score",
                    "high_dgps"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
                "factor_match_count": 0,
                "factor_required_count": 3,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 86
            }
        ],
        "coverage": {
            "beta_pct": 100,
            "grade_pct": 90,
            "dividend_pct": 100,
            "trend_pct": 100,
            "macro_pct": 100
        },
        "diagnostics": {
            "risk_level": "low",
            "risk_profile": {
                "target_max_weight": 0.200000000000000011102230246251565404236316680908203125,
                "target_sector_weight": 0.299999999999999988897769753748434595763683319091796875,
                "target_sell_weight": 0.1000000000000000055511151231257827021181583404541015625,
                "target_effective_positions": 10,
                "beta_band_min": 0.59999999999999997779553950749686919152736663818359375,
                "beta_band_max": 1
            },
            "profile_mix": {
                "cyclical": 30,
                "defensive": 20,
                "core": 20,
                "turnaround": 20,
                "income": 10
            },
            "lens_mix": {
                "macro_cyclical": 30,
                "defensive_quality": 20,
                "core_quality": 20,
                "recovery": 20,
                "income": 10
            },
            "classification": {
                "avg_confidence": 62.7999999999999971578290569595992565155029296875,
                "quality": "usable",
                "low_confidence_weight_pct": 20,
                "ambiguous_weight_pct": 0,
                "weak_count": 2,
                "low_confidence_tickers": [
                    "PG",
                    "KO"
                ]
            },
            "factor_evidence": {
                "avg_confidence": 0,
                "quality": "weak",
                "low_confidence_weight_pct": 100,
                "missing_weight_pct": 100,
                "aligned_weight_pct": 0,
                "avg_lens_confidence": 62.7999999999999971578290569595992565155029296875
            },
            "sector_context": {
                "scores": [],
                "top_sector": "Consumer Defensive",
                "top_sector_score": null,
                "top_sector_detail": null
            },
            "market_regime": {
                "selected_code": "",
                "mode": "missing",
                "score": null,
                "weights_pct": {
                    "OSL": 0,
                    "US": 0,
                    "GLOBAL": 0
                },
                "selected_regime": null
            },
            "data_gaps": [
                "Missing grade data for part of the portfolio",
                "Missing lens-specific factor evidence for large parts of the portfolio",
                "Weak factor evidence confidence reduces forward-looking reliability"
            ]
        },
        "insights": [
            {
                "id": "weighted_score",
                "value": 0.95999999999999996447286321199499070644378662109375,
                "tone": "warn",
                "status_key": "good"
            },
            {
                "id": "target_invested_pct",
                "value": 58.10000000000000142108547152020037174224853515625,
                "cash_pct": 41.89999999999999857891452847979962825775146484375,
                "stance": "balanced",
                "confidence": 62.39999999999999857891452847979962825775146484375,
                "tone": "warn"
            },
            {
                "id": "effective_positions",
                "value": 10,
                "tone": "good"
            },
            {
                "id": "largest_position",
                "value": 10,
                "ticker": "JNJ",
                "tone": "good"
            },
            {
                "id": "top_sector",
                "value": 30,
                "sector": "Consumer Defensive",
                "tone": "good"
            },
            {
                "id": "signal_mix",
                "buy": 30,
                "hold": 70,
                "sell": 0,
                "tone": "good"
            },
            {
                "id": "portfolio_trajectory",
                "value": "stable",
                "tone": "warn",
                "confidence": 3.79999999999999982236431605997495353221893310546875
            },
            {
                "id": "weighted_beta",
                "value": 0.419999999999999984456877655247808434069156646728515625,
                "tone": "good"
            },
            {
                "id": "macro_alignment",
                "value": 0.200000000000000011102230246251565404236316680908203125,
                "tone": "risk"
            },
            {
                "id": "lens_confidence",
                "value": 62.7999999999999971578290569595992565155029296875,
                "tone": "warn"
            }
        ],
        "suggestions": [
            {
                "tone": "warn",
                "code": "diversify_sector",
                "sector": "Consumer Defensive",
                "weight_pct": 30
            },
            {
                "tone": "risk",
                "code": "hold_higher_cash_buffer",
                "cash_pct": 41.89999999999999857891452847979962825775146484375,
                "invested_pct": 58.10000000000000142108547152020037174224853515625,
                "deployment_speed": "gradual"
            },
            {
                "tone": "warn",
                "code": "expand_factor_coverage",
                "missing_weight_pct": 100
            },
            {
                "tone": "risk",
                "code": "review_weak_positions",
                "tickers": [
                    "T",
                    "PEP",
                    "MCD"
                ]
            }
        ],
        "portfolio_input": {
            "cash_balance": 0,
            "holdings_value": 100000,
            "total_value": 100000,
            "cash_pct": 0,
            "invested_pct": 100,
            "missing_tickers": []
        }
    }
}

Les résultats de PORTIQA constituent une analyse quantitative fournie à titre informatif uniquement et ne constituent pas un conseil en investissement. Voir l’avertissement financier.

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Le portefeuille

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Scores par composante

Quoi regarder en premier

Positions

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