Inside a valuation: Bernardo
From the model's €2.2M starting point to €4.3M, one input at a time, and where that lands against an observed €4M.
Built from Published SHAP output for the served Model A (reports/explainability); the player was in its training data.10 chapters
Observed €4MModel A €4.3M (served, in-sample)Bundesliga · Left-Back
Bernardo
Chapter 01: The valuation
Bernardo: 31, left-back in Bundesliga. Transfermarkt's valuation is €4M, in the Established tier. This story follows how Model A arrives at its own figure, one input at a time.
Chapter 02: Where every estimate starts
Before it looks at this player, Model A sits at €2.2M: its average output across the players it was trained on. Every player's journey starts here. Each input then multiplies the estimate up or down.
Chapter 03: Age
Age (31.0 yrs) lowers the estimate ×0.56: from €2.2M to €1.2M.
Across all modelled players this input moves Model A's estimate by ×1.60 on average, in one direction or the other. Here it moves it more than usual.
Chapter 04: League
League (Bundesliga, Germany) raises the estimate ×1.70: from €1.2M to €2.1M.
Across all modelled players this input moves Model A's estimate by ×1.96 on average, in one direction or the other. Here it moves it less than usual.
Chapter 05: Club points per game
Club points per game (1.79) raises the estimate ×1.65: from €2.1M to €3.4M.
Across all modelled players this input moves Model A's estimate by ×1.38 on average, in one direction or the other. Here it moves it more than usual.
Chapter 06: Minutes (last 365 days)
Minutes (last 365 days) (2,529) raises the estimate ×1.23: from €3.4M to €4.2M.
Across all modelled players this input moves Model A's estimate by ×1.19 on average, in one direction or the other. Here it moves it more than usual.
Chapter 07: European-cup minute share
European-cup minute share (0%) lowers the estimate ×0.88: from €4.2M to €3.7M.
Across all modelled players this input moves Model A's estimate by ×1.20 on average, in one direction or the other. Here it moves it less than usual.
Chapter 08: Everything else
The remaining 15 inputs are individually small. Together they raise the estimate ×1.16, to €4.3M.
Chapter 09: The estimate
After all 20 inputs, Model A says €4.3M. Transfermarkt says €4M. The residual, log(observed) − log(estimate), is −0.064: the observed value is below the estimate, so the model over-predicts by ×1.07.
The served model was trained on this player, so this is an in-sample figure; on unseen players a typical miss is ×1.50.
Chapter 10: What this is not
SHAP describes the model's arithmetic for these inputs. It is not a price, a scouting judgement or a statement about what causes value, and the order of the steps is by size, not sequence.
The same record, with Model B and the player's traits, is in the dossier.
Every Model A valuation starts at €2.2M, the model's average output over the players it was trained on (log 14.592).