Improve UX and disable DCF for financials

2 files changed, 107 insertions, 10 deletions

diff --git a/components/market_bar.py b/components/market_bar.py
index cb813e5..411b232 100644
--- a/components/market_bar.py
+++ b/components/market_bar.py
@@ -1,25 +1,89 @@
 """Market bar — displays major indices at the top of the app."""
 import streamlit as st
 from services.data_service import get_market_indices
-from utils.formatters import fmt_number
+
+
+def _delta_class(change_pct: float | None) -> str:
+    if change_pct is None:
+        return "neutral"
+    return "positive" if change_pct >= 0 else "negative"
+
+
+def _delta_text(change_pct: float | None) -> str:
+    if change_pct is None:
+        return "—"
+    arrow = "▲" if change_pct >= 0 else "▼"
+    return f"{arrow} {change_pct * 100:+.2f}%"
 
 
 def render_market_bar():
     indices = get_market_indices()
 
+    st.markdown(
+        """
+        <style>
+          .prism-market-card {
+            background: rgba(22, 28, 39, 0.92);
+            border: 1px solid rgba(255,255,255,0.06);
+            border-radius: 14px;
+            padding: 0.8rem 0.95rem;
+            min-height: 96px;
+          }
+          .prism-market-label {
+            color: #9aa0b0;
+            font-size: 0.78rem;
+            font-weight: 600;
+            letter-spacing: 0.06em;
+            text-transform: uppercase;
+            margin-bottom: 0.45rem;
+          }
+          .prism-market-value {
+            color: #f3f6fb;
+            font-size: 1.5rem;
+            font-weight: 700;
+            line-height: 1.15;
+            margin-bottom: 0.45rem;
+          }
+          .prism-market-delta {
+            display: inline-block;
+            border-radius: 999px;
+            font-size: 0.78rem;
+            font-weight: 600;
+            padding: 0.18rem 0.5rem;
+          }
+          .prism-market-delta.positive {
+            color: #7ce3a1;
+            background: rgba(28, 131, 72, 0.18);
+          }
+          .prism-market-delta.negative {
+            color: #ff8a8a;
+            background: rgba(180, 47, 47, 0.18);
+          }
+          .prism-market-delta.neutral {
+            color: #c6cfdd;
+            background: rgba(198, 207, 221, 0.12);
+          }
+        </style>
+        """,
+        unsafe_allow_html=True,
+    )
+
     cols = st.columns(len(indices))
     for col, (name, data) in zip(cols, indices.items()):
         price = data.get("price")
         change_pct = data.get("change_pct")
 
-        if price is None:
-            col.metric(label=name, value="—")
-            continue
+        value = f"{price:,.2f}" if price is not None else "—"
+        delta_class = _delta_class(change_pct)
+        delta_text = _delta_text(change_pct)
 
-        price_str = f"{price:,.2f}"
-        delta_str = f"{change_pct * 100:+.2f}%" if change_pct is not None else None
-        col.metric(
-            label=name,
-            value=price_str,
-            delta=delta_str,
+        col.markdown(
+            f"""
+            <div class="prism-market-card">
+              <div class="prism-market-label">{name}</div>
+              <div class="prism-market-value">{value}</div>
+              <span class="prism-market-delta {delta_class}">{delta_text}</span>
+            </div>
+            """,
+            unsafe_allow_html=True,
         )
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