# CirclFi — Institutional-Grade Stock Valuation Engine

> CirclFi is an equity valuation platform that runs 13 independent valuation models on 5,897+ US stocks daily using data from SEC EDGAR, FRED, and GDELT. Every stock receives a Quality of Company (QOC) score (0-10) and fair value estimates from models spanning DCF, EPV, multiples, sentiment, and machine learning methodologies.

## Key Pages

- [Home](https://circlfi.com/): Platform overview, pricing, and product description
- [All Stocks](https://circlfi.com/stocks/): Searchable directory of all 5,897+ tracked US equities
- [Compare Stocks](https://circlfi.com/compare/): Side-by-side company comparisons within industries
- [Stock Lists](https://circlfi.com/lists/): Curated lists by valuation strategy and industry
- [Methodology](https://circlfi.com/methodology/): Technical documentation for all 13 valuation models
- [Disclaimer](https://circlfi.com/disclaimer/): Legal disclaimer and data usage terms

## Individual Stock Pages

Each stock page at `https://circlfi.com/stock/{TICKER}/` contains:
- Quality of Company (QOC) score: 0-10 composite from 32 fundamental signals
- Value Trap Score: risk assessment (0-100, lower is safer)
- Current market price
- Fair value estimates from up to 13 models
- Confidence levels per model
- Implied upside/downside vs market price
- Industry classification and peer comparisons
- FAQ section with AI-parsable Q&As

## Valuation Models (13 Total)

1. **Bayesian DCF** — Monte Carlo simulation (10,000 iterations) with Bayesian priors on growth, margins, and discount rates
2. **Earnings Power Value (EPV)** — Greenwald framework; sustainable earnings ÷ WACC, no growth assumptions
3. **EROIC Spread** — McKinsey economic profit model; ROIC vs WACC spread on invested capital
4. **First Chicago** — Three-scenario (bull/base/bear) probability-weighted valuation
5. **Markov DDM** — Regime-switching dividend discount model with Markov chain state transitions
6. **ML-RIV** — Machine learning residual income model with gradient-boosted feature engineering
7. **Dynamic NAV** — Mark-to-market net asset value adjusted for intangibles and off-balance-sheet items
8. **PWERM** — Probability-Weighted Expected Return Method for multi-outcome analysis
9. **Regime Cross-Sectional** — Market-regime-adaptive relative valuation using cross-sectional multiples
10. **Sentiment SOTP** — Sum-of-the-parts with GDELT news sentiment overlays
11. **CUCE Ensemble** — Copula-Unified Consensus Ensemble; meta-model combining all other estimates
12. **FTNN Topology** — Fourier-Transform Neural Network for non-linear pattern recognition in fundamentals
13. **RCMH-DCF** — Regime-Conditional Multi-Horizon DCF with macro-factor conditioning

## Comparison Pages

Each comparison at `https://circlfi.com/compare/{TICKER1}-vs-{TICKER2}/` contains:
- Side-by-side QOC scores, prices, and fair values
- Model-by-model valuation comparison table
- Industry context and competitive positioning
- FAQ section comparing both companies

## Data Sources

- **SEC EDGAR**: 700+ XBRL tags from 10-K and 10-Q filings
- **FRED (Federal Reserve)**: Risk-free rates, VIX, GDP growth, yield curve, inflation
- **Market Data**: Real-time prices, beta, market capitalization, volume
- **GDELT**: Global news sentiment scoring for sentiment-based models

## Update Frequency

All valuations are recalculated daily after US market close. SEC EDGAR data refreshes on filing publication. Macro data (FRED) updates on release schedules.

## Access

- **Free**: View 2 model valuations per stock, top 10 stocks per list
- **Terminal ($39/mo)**: All 13 models, live Google Sheets feed, full stock lists, methodology whitepaper

## Contact

Website: https://circlfi.com
Product: https://circlfi.gumroad.com/l/dwaxoj