Improve UX and disable DCF for financials

1 files changed, 33 insertions, 0 deletions

diff --git a/components/valuation.py b/components/valuation.py
index 82e0f0d..d7a84d4 100644
--- a/components/valuation.py
+++ b/components/valuation.py
@@ -15,6 +15,27 @@ from services.valuation_service import run_dcf, run_ev_ebitda, compute_historica
 from utils.formatters import fmt_ratio, fmt_pct, fmt_large, fmt_currency
 
 
+FINANCIAL_SECTORS = {"Financial Services"}
+FINANCIAL_INDUSTRY_KEYWORDS = (
+    "bank",
+    "insurance",
+    "asset management",
+    "capital markets",
+    "financial data",
+    "credit services",
+    "mortgage",
+    "reit",
+)
+
+
+def _is_financial_company(info: dict) -> bool:
+    sector = str(info.get("sector") or "").strip()
+    industry = str(info.get("industry") or "").strip().lower()
+    if sector in FINANCIAL_SECTORS:
+        return True
+    return any(keyword in industry for keyword in FINANCIAL_INDUSTRY_KEYWORDS)
+
+
 def render_valuation(ticker: str):
     tab_ratios, tab_dcf, tab_comps, tab_analyst, tab_earnings = st.tabs([
         "Key Ratios", "DCF Model", "Comps", "Analyst Targets", "Earnings History"
@@ -97,6 +118,18 @@ def _render_ratios(ticker: str):
 
 def _render_dcf(ticker: str):
     info = get_company_info(ticker)
+
+    if _is_financial_company(info):
+        st.warning(
+            "DCF is disabled for financial companies in Prism. Free-cash-flow and capital-structure "
+            "assumptions are not directly comparable for banks, insurers, and similar businesses."
+        )
+        st.caption(
+            "Use ratios, comps, earnings history, and analyst targets instead. A bank-specific valuation "
+            "framework can be added later."
+        )
+        return
+
     shares = info.get("sharesOutstanding") or info.get("floatShares")
     current_price = info.get("currentPrice") or info.get("regularMarketPrice")
     total_debt = info.get("totalDebt") or 0.0