About CirclFi

Our Mission

CirclFi exists to democratize institutional-grade equity research. Hedge funds and investment banks spend millions on proprietary valuation models. We believe every investor — from individual to professional — deserves access to the same caliber of analysis.

Our engine runs 13 independent valuation models daily across thousands of US-listed equities, processing financial data directly from SEC EDGAR filings (10-K, 10-Q), FRED macroeconomic indicators, and GDELT news sentiment — the same data sources used by Wall Street's top quantitative firms.

What Makes CirclFi Different

13 Models, Not 1. Most platforms give you a single DCF or a P/E ratio. CirclFi runs every stock through 13 distinct methodologies — spanning intrinsic (Bayesian DCF, EPV, EROIC Spread), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), option-theoretic (PWERM), and ensemble methods (CUCE). Each model captures different aspects of value that single-model approaches miss.

Quality of Company (QOC) Score. Our proprietary QOC metric evaluates companies across 32 fundamental signals — profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency — producing a single 0-10 score that cuts through noise.

Value Trap Detection. A stock that "looks cheap" isn't always a bargain. Our Value Trap algorithm cross-references apparent undervaluation against deteriorating fundamentals to flag stocks that carry hidden risk — protecting investors from the most common pitfall in value investing.

Our Data Pipeline

Every day after market close, CirclFi's automated pipeline:

• Pulls the latest financial filings from SEC EDGAR (700+ XBRL tags per company)
• Fetches macroeconomic data from FRED (risk-free rates, VIX, GDP growth, yield curves, credit spreads)
• Processes news sentiment from GDELT (global news tone and volume)
• Runs all 13 valuation models with company-specific parameter calibration
• Computes QOC scores and Value Trap detection
• Publishes updated analysis for thousands of stocks

Transparency

We believe in radical transparency. Our Methodology page documents every model's mathematical framework, data inputs, assumptions, and limitations. We show our work — including confidence scores for each valuation — so you can make informed decisions.

CirclFi is not a registered investment advisor. Our analysis is for educational and informational purposes only. See our Disclaimer for full details.