InvestIQ pairs a deterministic, multi-factor scoring engine with an AI interpretation layer — so you get the rigor of a quant desk and the clarity of a great analyst, without the jargon or the fees.
The engine
Every stock is scored 0-100 by five clusters, each weighted by how predictive it is. A BUY needs at least three aligned positively — no single signal can carry the verdict.
Earnings surprises, EPS revisions, analyst trend, event risk.
12M–1M momentum, golden cross, RSI quality, trend strength.
Insider buying, cluster buys, congressional trades.
Piotroski, Altman Z, Beneish M, ROIC, FCF yield.
DCF upside, P/E vs sector, EV/EBITDA vs 5-yr history.
The AI never invents numbers. It reads the pre-computed scores and explains them in plain language — the math stays deterministic underneath.
See it in action
Not screenshots — the real interactive cards, live. Ask a question, get a card. The assistant speaks in 25 of them.
What you get
Each one does a specific job — and they all share the same scoring brain underneath.
How it works
Upload a broker CSV or just type a ticker. No setup, no spreadsheets.
The deterministic engine runs 18 data points across 5 clusters into a single 0-100 conviction.
The AI explains the score in plain language. You decide — informed, in seconds.
In depth
No black box. Here’s the engine, the signals and the safeguards — explained plainly.
THE SCORE
Every stock InvestIQ analyses gets a single number from 0 to 100 — the conviction score. It’s not a price target and it’s not a guess: it’s the weighted output of five independent scoring clusters.
Above 75 reads BUY, 65-75 BUY-moderate, 40-64 HOLD, below that SELL. A BUY requires at least three clusters aligned positively — no single metric carries the verdict alone.
THE ENGINE
Earnings Catalyst (28%) tracks earnings surprises and EPS revisions. Price Momentum (22%) reads the 12M-1M move, golden cross and RSI. Smart Money (20%) follows insider and congressional trades.
Quality Gate (18%) runs Piotroski, Altman Z, Beneish M and ROIC. Valuation Context (12%) weighs DCF upside and P/E versus sector. Weights reflect how predictive each dimension has been historically.
THE METHOD
Most "AI investing" tools ask a language model to read a company and spit out a verdict — and language models hallucinate numbers. Ask one for a P/E and it might confidently invent one.
InvestIQ flips it: the math is computed by a deterministic engine from real data — reproducible, auditable, identical every run. The AI never touches the numbers; it only interprets the scores in plain language.
SMART MONEY
When a CEO or CFO buys their own stock with cash, it’s one of the cleanest bullish signals there is. InvestIQ weights purchases by role, recency and size over a 90-day window.
Selling is noisy — insiders sell for taxes or a new house. We only treat sales as bearish when both CEO and CFO dump a large share of their holdings together.
QUALITY & RISK
A stock can have great momentum and still be a trap. The Quality Gate acts as a multiplier: a strong Piotroski (7-9) lifts conviction, a weak one (0-2) drags it down hard.
Altman Z flags bankruptcy risk; below 1.8 the stock gets a DISTRESS tag. Beneish M sniffs out accounting manipulation. These turn a "cheap" stock into a value trap.
POSITION SIZING
Knowing a stock is good isn’t enough — you need to know how much to hold. InvestIQ uses a half-Kelly framework blending conviction, DCF upside and a downside estimate.
The suggestion is capped by market-cap tier, and a Kelly of 0% on a high-conviction name isn’t a sell signal — it just means valuation and conviction disagree, so the math counsels prudence.
BULL VS BEAR
For every analysis, InvestIQ surfaces the three strongest arguments on each side, pulled from the 18 underlying metrics. The bull case is what’s working; the bear case is what could break.
The point isn’t to tell you what to do — it’s to make the trade-offs impossible to ignore.
WAR ROOM
The War Room puts five specialist AI agents in a room: a Quant on the signals, a Risk manager playing devil’s advocate, a Macro strategist, and a Value investor on quality and price.
They challenge each other in real time; an IQ Synthesizer reconciles the views into an adjusted conviction, a final call and sizing guidance — in under a minute.
PORTFOLIO AUDIT
Drop a CSV from any broker — no login required to try. InvestIQ scores every position, then zooms out: sector concentration, hidden correlations and an overall health score.
It flags what you can’t see one stock at a time — 60% in one sector, three holdings that move together — then tells you, plainly, what to look at first.
WATCHLIST & ALERTS
Star tickers and set a threshold. During market hours InvestIQ re-scores them and pings you the moment something matters: a signal flips, earnings approach, or insiders move.
No more refreshing ten tabs — you decide what’s worth an interruption, and the watchlist does the watching.
Methodology
No black box. The scoring engine builds on decades of published accounting and finance research.
Why InvestIQ
Every number comes from a reproducible formula. The AI interprets — it never invents the math.
We score your whole book — concentration, correlation, sector tilt — not isolated tickers.
Works over your PEA, CTO and crypto. No order flow, no kickbacks, no conflicts.
A full analysis in ~9 seconds, a portfolio audit in ~5 minutes. Cached and shared across users.
Who it's for
Builds wealth on the side but has no time to run the analysis himself. Wants a fast, neutral second opinion before every move.
Just starting out, overwhelmed by jargon. Wants to be guided — to understand why a stock scores well, not just be told to buy.
Use cases
Get a deterministic conviction score and the bull/bear case in seconds.
Spot concentration, correlation and risk flags across your whole book.
Get alerted the moment a signal changes or earnings approach.
Half-Kelly sizing capped by market-cap tier — no reckless bets.
Wake up to what moved overnight on the tickers you actually hold.
See which sectors the current rate + inflation regime favors.
The vocabulary
Ask anything — it picks the right card. Here's the full vocabulary, growing every sprint.
FAQ
No. InvestIQ is an informational research tool. Scores and signals are educational — you always decide.
Never. Every number comes from the deterministic scoring engine. The AI only interprets pre-computed scores in plain language.
We're broker-neutral. Upload a CSV from any broker — PEA, CTO, crypto — and we score it. No account linking required.
Financial Modeling Prep (Premium) — fundamentals, prices, insider filings, congressional trades, news and more.
Yes — fully bilingual FR/EN from day one, including the AI assistant's answers and every card.
Run your first analysis free. No credit card to look around.
InvestIQ is an informational research tool, not investment advice. Signals and scores are for educational purposes only — always do your own research and consider your personal situation before investing.
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