Live Valuation Intelligence

13-Model Stock Valuation Engine.
Institutional-Grade. Updated Daily.

5,883+ US equities analyzed daily through 13 institutional-grade valuation models — processing over 76,479 valuations per run.

See Your Stock's Fair Value — $39/mo See Our 13 Models
5.0 on Gumroad
Updated daily from SEC EDGAR
Zero cloud dependencies
327
AI Agents
13
Valuation Models
76,479
Valuations Per Run
5,883
US Equities Tracked
5.0
Gumroad Rating
Agents Powered by Anthropic Anthropic Highest-End Models

How our AI agents work: They do not execute the valuation math. Instead, our agents continuously read daily news and analyze it against 20 years of historical events to identify long-term macroeconomic and sector impacts. They assist by dynamically adjusting forward-looking assumptions while maintaining our strictly conservative baseline.

Empower Your AI with the CirclFi MCP Server

Transform Claude Desktop and any MCP-compatible AI agent into an institutional-grade stock analyst. The CirclFi Model Context Protocol (MCP) server gives your AI direct, secure access to our 13-model valuation engine and database of 5,883+ US stocks.

  • Advanced Market Screener: Filter 5,900+ stocks in milliseconds
  • Complete Fair Value Access: Extract all 13 valuations + QOC Score
  • Zero Local Databases: Pure Edge-Compute API via Cloudflare
Explore the MCP Server →
npx -y github:negm17111995/Circlfi-MCP
CirclFi Engine
const response = await mcp.callTool("get_market_screener", {
  filters: { minQoc: 8.5, maxVt: 15 },
  format: "json"
});

// Claude Desktop immediately returns:
"total_returned": 42,
"data": [
  { "ticker": "MSFT", "qoc": 9.2, "epv": 380.12 },
  { "ticker": "NVDA", "qoc": 9.0, "epv": 120.45 }
]
Research-Grade Foundations

Built on Nobel Prize-Winning Science

Every model in our engine is rooted in peer-reviewed financial economics and applied mathematics from the world's leading researchers.

Merton-Black-Scholes Option Pricing

Our PWERM model uses Robert Merton's structural credit framework (Nobel Prize 1997) to value equity as a call option on firm assets.

Greenwald Columbia Framework

Our EPV model implements Bruce Greenwald's complete Franchise Value Trilogy taught at Columbia Business School — the gold standard in value investing academia.

McKinsey Value Framework

The EROIC Spread model implements McKinsey & Company's economic profit methodology — the same framework used to advise Fortune 500 boards on capital allocation.

Bayesian Monte Carlo Simulation

10,000 simulations per stock with jump-diffusion dynamics (Merton 1976), Bayesian posterior distributions, and Hull-White stochastic interest rate modeling.

Every formula, every derivation, every data source — documented in our open methodology.

Read the Full Methodology →

Institutional Data Sources

SEC EDGAR FRED Federal Reserve GDELT News Market Data API XBRL Financial
How It Works

From Raw Data to Alpha

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

01

Ingest & Scan

Every trading day, our engine ingests SEC EDGAR filings, market data, and FRED macro indicators for 5,883+ equities automatically.

02

Compute & Value

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

03

Signal & Act

Access the live valuation 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.

01
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
02
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
03
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)
04
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
05
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
06
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
07
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
08
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
09
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
10
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
11
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)
12
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
13
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
Deep Dive Into All 13 Models →
Why CirclFi

Built for Serious Investors

5,883+ 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 Valuation Terminal

Not a static PDF. A live, auto-updating terminal you can sort, filter, and export for your own portfolio analysis.

What CirclFi is NOT

We don't predict stock prices. We don't give buy/sell signals. We run 13 mathematical models on public SEC data and show you what they compute. What you do with that analysis is your edge.

Pricing

Architect Your Edge

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

Bloomberg Terminal: ~$2,000/mo · FactSet: ~$1,000/mo · CirclFi: from $39/mo

Institutional Access

Institutional-grade access designed for modern asset managers.

$399
/month
  • Includes up to 5 team seats for the live web terminal
  • Dedicated API connection
  • Daily 13-model valuation data
  • 5,883+ US equities piped directly into your proprietary algorithm
  • Full historical dataset access
  • Priority support
Start Institutional at $399/mo →

Also: $3,499/year

Standard Access

Full continuous access to the valuation engine

$39
/month
  • Full 13-model valuation engine
  • Live web terminal
  • 5,883+ US equities tracked daily
  • QOC + Value Trap scores
  • Auto-updating data feed
  • Methodology whitepaper (PDF)
  • All future model additions
Start Standard at $39/mo →

Also: $299/year

Every Day Without CirclFi, You're Trading Blind

The market misprices stocks every single day. The question is: are you catching it, or missing it?

Start Your Edge — $39/mo