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Invest like
you know why.

Until now, institutional-grade stock analysis was locked behind tools that cost €1,300 a year and require a finance degree to interpret.

Validq brings that same depth — seven forensic models, corrected for your sector — and tells you the verdict in plain language. Buy, Discard, or Watch. And exactly why.

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⚡ Utility sector — debt correction applied
🧠 NLP earnings signal: Cautious
IBE.MC
Iberdrola · Utilities
€12.84 +0.63%
74 /100
~ WATCH
Financial Integrity20/25
Survival & Solvency15/20
Business Quality14/20
Valuation10/20
Debt Structure15/15
⚡ Regulated utility — high debt is structural, not a red flag
The problem with most tools
They show you ratios. They don't tell you what those ratios mean for that specific company, in that specific sector.
The price problem
The only platforms with this depth cost €1,300–€2,000 per year — built for institutions, not individual investors.
What Validq changes
Professional-grade analysis with plain-language verdicts, sector-aware corrections, and a price any investor can afford.
How it works

From ticker
to verdict.

No spreadsheets. No finance degree required. Enter a stock, get a full breakdown in seconds.

01
Enter any ticker

Type MSFT, IBE.MC, AMGN — any stock from US or European markets. Validq pulls the financial data automatically. No manual input.

02
Seven forensic checks run

Each model looks at a different risk: earnings manipulation, bankruptcy risk, capital quality, hidden debt. Sector corrections applied automatically so energy companies aren't penalised for being energy companies.

03
One verdict, fully explained

Buy, Discard, or Watch — with the exact points gained or lost in every dimension. You always know why the score is what it is.

Sector corrections

Same ratio.
Different meaning.

A €50bn utility with €30bn in debt is not in trouble. That's just how utilities work — they finance infrastructure with long-term debt, covered by regulated cash flows. Most tools flag it as a red flag. Validq knows the difference.

Same logic applies to pre-revenue biotech, capital-light tech, consumer retail, and financial companies. Each of the six sector groups has its own correction layer — applied automatically, invisibly, correctly.

Utilities & Regulated
CFO-based FCF · debt structural
💻
Technology & Software
Piotroski adjusted · ROIC focus
💊
Healthcare & Biotech
Pre-revenue tolerance · R&D weight
🏭
Industrials & Materials
Capex-normalised FCF
🛒
Consumer
Inventory & margin cycles
💰
Financials
Separate leverage logic
Iberdrola (IBE.MC)
Regulated Utility · Spain
Altman Z-Score of 1.84 would flag any industrial company as near-bankrupt. For a regulated utility with long-term contracted revenues, it's completely normal.
Validq applies the regulated utility model: debt structure scored on CFO coverage, not raw leverage. IBE.MC scores 15/15 on debt structure — no false red flag.
💻
Microsoft (MSFT)
Technology · USA
Aggressive share buybacks make ROE look enormous — sometimes over 100%. Using ROE alone would make MSFT look riskier than it is. ROIC tells the real story.
Validq's tech correction uses ROIC as the primary capital quality metric. Piotroski F-Score adjusted for high P/B growth companies. Score reflects genuine moat strength.
What Validq analyses

Not a screener.
A forensic tool.

Most tools show you P/E ratios. Validq runs forensic-grade models used by institutional analysts — and then explains them in plain English.

Five scoring layers · 100 pts total
Every dimension of a company's health, scored.

From whether earnings are real (not manipulated) to whether the balance sheet can survive a recession. Each layer catches a different type of risk.

1Financial Integrity — Are the earnings real?25 pts
2Survival & Solvency — Can it survive a downturn?20 pts
3Business Quality — Is it a genuinely good business?20 pts
4Valuation — Is it cheap relative to what it earns?20 pts
5Debt Structure — Is the debt sustainable?15 pts
Layer 7 · Coming soon
AI reads the earnings calls so you don't have to.

Management tone matters. When a CEO uses passive voice about revenue misses, hedges guidance three times, or suddenly stops talking about a key metric — that's a signal.

Earnings call transcript analysis — confidence, hedging, tone shifts
News sentiment — separating noise from material events
Score adjustment: −30 to +30 pts on top of the quantitative score
Plain English summary: "Management is cautious on H2 margins"
In development · score range expands to 150 pts
Academic models
Seven peer-reviewed models. One pipeline.

Each model was designed by researchers to catch a specific failure mode. Together, they cover the full picture.

Beneish — earnings manipulation Altman — bankruptcy risk Piotroski — financial strength Greenblatt — capital quality Graham — value margin Ohlson — insolvency probability Dechow — accruals quality
Market coverage
US + Europe. No borders.

NYSE, NASDAQ, Euronext, Xetra, BME, LSE. Value investing without the geographic blind spots most platforms have.

🇺🇸 NYSE · NASDAQ 🇪🇸 BME 🇩🇪 Xetra 🇫🇷 Euronext 🇬🇧 LSE 🇮🇹 Borsa Italiana
Early community

Investors already
on the list.

247investors on the waitlist
7forensic models combined
6sector groups with corrections

"Finally a tool that explains why a stock scores well — not just that it does. The utility sector correction alone saves me from flagging Iberdrola and Red Eléctrica as toxic every quarter."

MR
Marcos R.
Retail investor · Madrid
★★★★★

"GuruFocus is the only comparable tool and it's €1,348 a year. Validq does the same analysis with smarter sector logic. I've been on the waitlist since day one."

SL
Sarah L.
Independent analyst · London
★★★★★

"The NLP earnings call layer is what sold me. I've been burned by management tone before — having that baked into the score automatically is something no screener does."

JP
Javier P.
Value investor · Barcelona
★★★★★
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