Live Valuation Intelligence

Stop Guessing.
Start Investing with Precision.

6,162+ US equities analyzed daily through 13 institutional-grade valuation models — processing over 80,106 valuations per run.

★★★★★ 5.0 on Gumroad
⚡ Updated daily from SEC EDGAR
🔒 Zero cloud dependencies
How It Works

From Raw Data to Alpha

Three autonomous phases. Zero human intervention. Pure quantitative edge.

1. Ingest & Scan

Every trading day, our engine ingests SEC EDGAR filings, market data, and FRED macro indicators for 6,162+ equities automatically.

2. Compute & Value

Each stock runs through 13 independent models — Bayesian DCF, Monte Carlo, Markov Chains, ensemble meta-models — producing confidence-weighted fair values.

3. Signal & Act

Access the live Google Sheets terminal. Sort, filter, compare across your portfolio. Spot mispricing before the market corrects.

The Engine

13 Models. Zero Guesswork.

Each model attacks valuation from a different angle — intrinsic, relative, scenario, and ensemble — giving you a 360° view of true value.

Model 1

Bayesian DCF

Intrinsic

Projects free cash flow over a 10-year horizon using 10,000 Monte Carlo simulations with a deterministic seed for reproducibility. Each simu...

Best for: Stable FCF companies
Model 2

Earnings Power Value

Intrinsic

Implements Bruce Greenwald's complete three-part framework from Columbia Business School: (1) Reproduction Asset Value (RAV) — the cost to r...

Best for: Mature earners, Moat companies
Model 3

Markov DDM

Intrinsic

Extends the classic Gordon Growth Model by modeling dividend growth as a Markov chain with discrete states representing growth regimes (high...

Best for: Dividend payers, Buyback-heavy (AAPL/GOOG)
Model 4

Dynamic NAV

Asset-Based

Computes net asset value by marking each balance sheet item to fair value using sector-specific recovery rates calibrated for stress scenari...

Best for: REITs, Banks, Insurance, Resource companies
Model 5

EROIC Spread

Intrinsic

Implements the McKinsey & Company economic profit framework. Capitalizes R&D expenditure as an intangible asset (with industry-specific amor...

Best for: Moat companies, High-ROIC businesses
Model 6

ML-RIV

Intrinsic

Machine learning-enhanced Residual Income Valuation that decomposes ROE into five DuPont components: net profit margin, asset turnover, fina...

Best for: Banks, Financials, Insurance
Model 7

First Chicago

Scenario

Constructs three independent valuation scenarios — bull (expansion), base (steady state), and bear (recession/disruption) — each with its ow...

Best for: Growth stocks, Biotech, Cyclicals, Turnarounds
Model 8

PWERM

Option-Based

Probability-Weighted Expected Return Method using Merton's structural credit model, which treats equity as a European call option on the fir...

Best for: Distressed companies, M&A targets, High-leverage
Model 9

Regime Cross-Sectional

Relative

Identifies the current macroeconomic regime using six indicators: VIX level, yield curve slope, high-yield credit spread, GDP growth rate, u...

Best for: All sectors with sufficient peers
Model 10

Sentiment SOTP

Hybrid

Sum-of-the-parts valuation using actual business segment data from EDGAR filings (revenue and operating income by segment), with each segmen...

Best for: Conglomerates, Diversified, Multi-segment
Model 11

CUCE Ensemble

Ensemble

The meta-model that combines all other model outputs into a single consensus fair value. Uses Correlation-Unbiased Certainty-Equivalent weig...

Best for: All sectors (meta-model)
Model 12

FTNN Topology

Relative

Financial Topology Neural Network that finds the most financially similar companies using a 6-dimensional Gaussian kernel similarity functio...

Best for: Tech, Healthcare, Consumer, any sector
Model 13

RCMH-DCF

Intrinsic

Regime-Conditioned Macro-Hedged DCF that runs four complete, independent DCF valuations in parallel — one for each macroeconomic regime (exp...

Best for: Rate-sensitive, Utilities, REITs, Cyclicals
Why CirclFi

Built for Serious Investors

6,162+ Equities Tracked

Every SEC-filing company on US exchanges, from mega-caps to micro-caps. Updated after every market close.

32-Signal Quality Score

Our QOC engine evaluates profitability, growth consistency, balance sheet strength, and capital efficiency into one composite score.

Value Trap Detection

Not every cheap stock is a bargain. Our Value Trap algorithm identifies stocks that look undervalued but carry hidden fundamental deterioration.

Live Google Sheets Terminal

Not a static PDF. A live, auto-updating spreadsheet you can sort, filter, and connect to your own portfolio analysis.

Pricing

Architect Your Edge

Institutional-grade analysis at a fraction of Bloomberg Terminal cost.

Standard Access

Full continuous access to the valuation engine

$39
/month
  • Full 13-model valuation engine
  • Live Google Sheets terminal
  • 6,162+ US equities tracked daily
  • QOC + Value Trap scores
  • Auto-updating data feed
  • Methodology whitepaper (PDF)
  • All future model additions
Start Standard Access →

Also: $99/quarter · $179/6 months · $299/year

Ready to See What Your Portfolio is Really Worth?

Join investors who use CirclFi's 13-model engine to find mispriced stocks before the market corrects.

Access the Terminal →