Institutional-grade equity research for the independent RIA

Built for the independent and boutique RIA — roughly $50M to $500M in AUM — who does their own equity research and can't justify a $25,000-a-year terminal. Build transparent, fully auditable 10-year projection models from the same audited SEC data the institutions use, in seconds, for free.

Build a model →Browse all stocks How it works

Why advisors who do their own work choose it

No terminal fees, no paywall. Every capability below is free — there is no premium tier gating the analysis.
Complete transparency. No black box. Every assumption is visible and overridable, and every number traces back to its source filing.
Primary-source data. Historical financials come straight from SEC EDGAR XBRL filings — not a scraped or resold dataset.
Defensible documentation. Export the full model and its assumptions for your client files, IPS support, and compliance review.

The complete capability set

Data foundation

10 years of audited historical financials pulled directly from SEC EDGAR XBRL filings (10-K and 10-Q) — primary-source data, not a third-party aggregator.
Triangulated Wall Street consensus for forward revenue, EBITDA, and EPS across Yahoo Finance, NASDAQ, and StockAnalysis, with the cross-source dispersion (σ) surfaced so you see when the Street disagrees.

Modeling engine

Trend-aware default assumptions — every ratio is fit to its historical trend (with an R² guard) rather than blindly anchored to the last full year, and every default is visible and overridable.
Full three-statement projection — income statement, cash flow, and balance sheet tie in lockstep, with a balance-sheet plug that closes to $0.00, a PP&E floor, and DuPont reconciliation.
Capital allocation engine — model dividends, buybacks, debt paydown, M&A, and reinvestment with symmetric balance-sheet entries.
ROA / ROE reverse solvers — dial a target return and solve back to the operating drivers that produce it.
Sensitivity tables, quarterly anchoring, and an LTM valuation trail for every model.

Market intelligence

AI event factors — recent Google News and StockTwits coverage is clustered into the top themes per ticker, each with a probability slider and live EPS impact, applied to the next 12 months.
Market Intel workspace — SEC EDGAR financials, Wall Street consensus, and news/social events in one place alongside the model.

Benchmarking & outputs

SIC industry peer benchmarking — p10–p90 percentile bars per ratio with a 4-to-1 digit hierarchy rollup, computed from every SEC filer in the bucket.
Excel (.xlsx) and JSON export — drop the full model straight into your client deliverables and compliance files.
Saved model library with trajectory health indicators across your coverage.

Complete transparency — no black box

Every default assumption is derived transparently and shown to you; you can override any value, and the original derivation is preserved alongside your override. The full methodology is published openly, every data source is named, and the model's limitations are documented rather than hidden. You can always show exactly how a projection was built.

This matters for an advisor: when you put a number in front of a client or a compliance reviewer, you can trace it all the way back to the filing it came from.

A typical advisor workflow

1. Build. Enter a ticker and get a complete 10-year three-statement model in seconds, scaffolded from SEC filings and pre-calibrated to Street consensus.
2. Adjust. Override any assumption on the Assumptions and Factors tabs. Layer in your own thesis with event factors and a capital-allocation policy.
3. Stress-test. Use sensitivity tables, the ROA/ROE solvers, and SIC peer benchmarks to pressure-test the model against the industry and your downside cases.
4. Document. Export to Excel or JSON with every assumption visible and every number traceable to its source — ready for client files and compliance review.

Frequently asked questions

Can I unpack the Street's consensus?

Yes. Forward revenue, EBITDA, and EPS are triangulated across Yahoo Finance, NASDAQ, and StockAnalysis, with the cross-source dispersion (σ) shown so you can see exactly where the Street agrees and where it doesn't.

Can I model where my differentiated view moves the stock?

Yes. Override any driver, layer in probability-weighted event factors with live EPS impact, and read the change straight through to the valuation and sensitivity tables.

Can I stress-test a name against its peers?

Yes. Every ratio carries SIC-industry p10–p90 percentile bars with a 4-to-1 digit rollup, so you can see where a company sits in its bucket's distribution.

Can I solve backward from a target return?

Yes. The ROA / ROE reverse solvers let you dial a target return and back out the operating drivers required to produce it.

Is every number auditable for compliance?

Yes. Historicals come from audited SEC EDGAR XBRL filings, every assumption is visible and overridable, and the full model exports to Excel (.xlsx) and JSON for your client and compliance files.

What does it cost?

It's free — no signup required to start, no terminal fees, no per-seat license, and no paywalled capabilities.

The Cash Flow Projector is provided for informational and educational purposes only. It does not provide investment, tax, legal, or accounting advice and is not a fiduciary. Projections are model-based estimates, not guarantees of future performance. See our disclaimer.