Ask. Then watch it check the facts.
While it researches, Ask Factual.Money reads the filings, follows the cash and verifies every figure against its source.
Ask Factual.Money makes you a wiser investor.
Ask a question, value the company, track your thesis and follow the news, with every number tied to its source.
Every tool, one way of thinking.
Ask, value, read the official numbers, track your thesis and get alerted: every number tied to its source, every decision yours.
Example screens with illustrative figures based on Apple’s annual reports.
Every tool, one place.
Everything you need to understand a business, value it and follow it, in one app.
Ask Factual.Money
Ask about any company, the economy or the markets, with the reported numbers and every source.
Financials
Income statement, balance sheet and cash flow by year or quarter. Chart any line and compare companies.
Valuation
Intrinsic value as a range, multiples against the company's own history and its peers.
Thesis
Write why you own a company; every new report shows what changed.
Watchlist
Your companies in one place: price, next results and latest filings.
Daily Briefing
What happened to your companies, every morning, also by email.
Alerts
New filings, results dates, price levels and thesis reviews, on your own criteria.
Mental Models
The questions that sharpen your thinking about any business.
Factual.Money Mind
Tell it how you invest, so every answer fits your context.
Everything you need to invest independently.
A decade of independent thinking, now in one place: ask Factual.Money, read our Letters, listen to the podcast and learn the fundamentals.
Ask Factual.Money
Ask about any US-listed company, the economy or the markets. Every answer is built from primary sources such as 10-Ks, 10-Qs and investor relations, with tables, charts and links you can check.
- Business model, moat and management
- Financials by fiscal period, with sources
- Rankings across companies, like who invests the most in R&D
- What could break the thesis
Letters
More than ten years of weekly Letters, read in more than 18 countries. Unconventional thinking, hidden opportunities and the long view.
Read the Letters →Podcast
Conversations and analysis on businesses, cycles and long-term wealth. Free episodes on Apple Podcasts and Spotify; the full library of 400+ episodes for members on Learn.
Listen to the podcast →Learn
Structured courses on quality, long-term investing, from your first steps to global portfolios, with students in more than 6 countries.
Explore the courses →Valuation, Financials, Thesis, Alerts & more
Official financial statements of every US-listed company, straight from SEC filings. Intrinsic value as a range, with margin of safety and moat evidence. Alerts on your own criteria. Thesis tracking that shows what changed since your last review. A Daily Briefing made for you, on the stocks you follow. And Mental Models: the questions that sharpen your thinking about any business.
Open the tools →Models, not tips.
We give you the tools serious investors use to reach their own conclusions.
Intrinsic value, as a range
The company valued in more than one way, side by side, in pessimistic, base and optimistic cases, with the approach that fits each kind of business highlighted and every assumption visible and adjustable.
What the price assumes
A reverse cash-flow model shows the growth the market is already paying for, next to the growth the company actually delivered.
Moat and margin of safety
Evidence of a moat from returns on capital and stable margins, and how far the price sits from the value range.
Thesis and Daily Briefing
Your thesis and the numbers saved with every note, what changed since your last review, and a Daily Briefing made for you on the stocks you follow.
Mental Models
The questions great investors ask before they own a business, grouped by theme and applied to the company you choose, one click from an answer.
Factual.Money Mind
Tell Factual.Money how you invest, your horizon and what you look for, so every answer fits your context. The facts and the rules never change.
Official financials
Income statement, balance sheet and cash flow of any US-listed company, by year or by quarter, straight from its SEC filings, with a link to every document.
Compare with peers
Put up to four companies side by side: valuation multiples, margins, returns on capital, growth and their own history, from the figures each one reports.
Alerts on your criteria
New official filings, upcoming results, price levels you choose and thesis reviews, in the app and by email.
Learn in minutes.
Short lessons of 15 to 30 seconds show how to use every tool, from your first question to your Daily Briefing. Log in to watch: the first three are free, and every lesson plus a certificate when you complete them come with any paid plan.
Courses for every stage of the journey
Fifteen courses and more than 100 lessons, from your first investment to a global, income-generating portfolio and a business of your own. Students in more than 6 countries.
Investments of the Future
How to benefit from the global, multi-sector expansion of technology. Technology now reaches every sector and every region; this course shows how to think about it as a long-term investor, with patience and a focus on business quality.
See the course →Factual Fortunes (Fast-Track)
The Factual Fortunes program, in a faster format.
Investments of the Future
How to benefit from the global, multi-sector expansion of technology.
Independent Wealth
How to get through crises and build solid long-term wealth.
Factual Fortunes
A complete program on business strategy, capital allocation and long-term wealth.
Wealth Automation
Automating a business and your wealth, with the right banking and company structures.
Successful Entrepreneurs
The rules, criteria and mindset behind consistent, long-term business profit.
Digital Money
Bitcoin and selected digital assets, through disciplined long-term allocation.
Learn to Earn
Learn to invest, from the fundamentals up.
Global Income
How to invest in the US stock market.
Smart Wallet
How to benefit from crises and from economic expansion.
Financial Intelligence
A new way to think about money and what really shapes financial results.
The Hidden Wealth Formula
The simplest way to invest for the long term.
Passive Income
How to build a monthly stream of passive income.
Entrepreneurship Q&A Sessions NYC
Conversations with international entrepreneurs on opportunities, goals and habits.
Saving Money
Saving well, a budget that works and a plan for long-term wealth.
It pays to think independently.
Markets price opinions every second. We start from facts: what a company reports, what the numbers show and what has to be true for an investment to work. The conclusion is always yours.
Facts, not opinions
Every figure comes from filings, investor relations or official data, with its source one click away.
Rigour you can check
Valuations are calculated, not guessed. Every assumption is visible and every result can be reproduced.
No recommendations
We never tell you what to buy or sell. We show the evidence and how to reason about it.
The long view
Business quality, capital allocation and patience, over headlines and short-term noise.
Your research stays yours.
Built with the same care we put into the numbers.
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