Live · KEEL scoring
EVTC ·KEEL 72.0 ·$23.95 +4.0% WEX ·KEEL 61.0 ·$135.69 -3.4% ZTS ·KEEL 61.0 ·$76.95 +0.4% MTD ·KEEL 60.5 ·$1073.23 -0.5% WGS ·KEEL 59.5 ·$39.51 -0.3% MSI ·KEEL 58.5 ·$391.42 -0.2% NICE ·KEEL 57.5 ·$86.74 -5.1% ANDE ·KEEL 57.5 ·$70.37 -1.7% COKE ·KEEL 55.5 ·$172.32 +1.1% KVYO ·KEEL 55.2 ·$14.44 -7.0% TNDM ·KEEL 55.0 ·$14.70 -0.5% JPM ·$304.99 +1.7% JNJ ·$224.34 +1.3% WFC ·$75.20 +2.2% BLK ·$1093.21 +1.1% EVTC ·KEEL 72.0 ·$23.95 +4.0% WEX ·KEEL 61.0 ·$135.69 -3.4% ZTS ·KEEL 61.0 ·$76.95 +0.4% MTD ·KEEL 60.5 ·$1073.23 -0.5% WGS ·KEEL 59.5 ·$39.51 -0.3% MSI ·KEEL 58.5 ·$391.42 -0.2% NICE ·KEEL 57.5 ·$86.74 -5.1% ANDE ·KEEL 57.5 ·$70.37 -1.7% COKE ·KEEL 55.5 ·$172.32 +1.1% KVYO ·KEEL 55.2 ·$14.44 -7.0% TNDM ·KEEL 55.0 ·$14.70 -0.5% JPM ·$304.99 +1.7% JNJ ·$224.34 +1.3% WFC ·$75.20 +2.2% BLK ·$1093.21 +1.1%
Forensic Equity Research · WhatsApp

KEEL parses real regulatory filings, real loan tapes, real macro data the moment they're published, then delivers the analysis to your WhatsApp. Ask "what's a P/E?" and get plain English. Ask for a forensic read on the subprime auto loan tape and get a 1,500-word Burry-grade synthesis. Any depth, any level.

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Invite-only beta, limited spots available.

Real query, real response. Sent to a real user.
What a real deep dive looks like

No dashboards. No charts. Just the read.

When you ask KEEL for a deep dive, this is what arrives. A series of WhatsApp messages in plain English, real numbers, the way an analyst friend would actually explain it. The format below is the product, not a marketing mockup.

Real transcript · QCOM deep dive
Sent on WhatsApp · 7 messages · 47 seconds end-to-end
Try it on your ticker
deep dive QCOM
KEEL · Qualcomm (QCOM) · NASDAQ Value Score: 71/100. Trading at $164.40, that's 14.2x forward earnings. for a top-3 semi by margin profile, that's cheap. for context: avgo at 35x, nvda at 37x, txn at 28x. the market is pricing qcom like a mobile-only legacy story, and that's the trade.
the apple modem risk is real but mostly priced. apple's c1 chip launches in the iphone SE this year, but the full ramp through the lineup is a 2026-2027 story. street is modelling qcm modem revenue going to zero by FY27 which is probably too aggressive. even if they get there, that's roughly $5b of revenue gone against a $40b base. painful, not existential.
the underappreciated leg is auto + IoT. automotive segment did $898m last quarter, up 68% YoY. design wins in BMW, mercedes, stellantis, ferrari. they're not just selling chips, they're selling the digital cockpit platform. management is guiding to $4b auto revenue by FY26. IoT did $1.7b, also growing. the multiple doesn't reflect either of those yet.
the QTL licensing business is the moat people forget. roughly $5.5b in annual licensing revenue at ~70% operating margin. cellular IP every phone maker has to pay for. apple's in-house modem doesn't break this, they still license the standards-essential patents. that revenue is sticky and high-margin.
flow side: insider net positive over 90 days, zero form 144 filings, put/call at 0.51, slightly bullish. dark pool prints showing roughly +$180m net buy over the last 5 sessions. consensus PT moved from $172 to $185 after the q3 print. the rerating is happening quietly.
bear case $138, base $185, bull $215. current $164 leaves base-case upside of 13%, bull-case 31%. risk-reward at spot is 1:1.9. the multiple has room to expand once the apple modem ramp is in the rear-view. that's the catalyst path.
what to watch: (1) c1 launch volumes in the iphone SE, that guides apple's ramp pace. (2) snapdragon x elite laptop wins, the windows-on-arm story is real. (3) automotive growth in the next print, if it accelerates past 70% YoY the auto-multiple thesis prints. anything specific you want me to dig into?
This is the product. Not a wireframe. Not a dashboard. The same WhatsApp output you'll get on any ticker, US or UK, mega-cap or micro.
25+
primary data sources. Regulatory filings, loan-level credit, macro, flow, sentiment. No aggregators.
80+
scheduled scans per active user per day. Watchlist, portfolio, macro, dark flow.
60s
average response time. 12-source synthesis returned in 13 seconds on tested queries.
£49
per month, founding rate, locks in for life when checkout opens.
Two economies. One trade.

What Burry did in 2008.
KEEL does in 60 seconds.

In 2008, Michael Burry peeled back the curtain on mortgage-backed bonds and read the actual loans. Most of Wall Street trusted the ratings agencies. He didn't. KEEL gives every user that same capability, for every asset-backed bond, on demand, in WhatsApp.

Household credit

What ordinary Americans owe.

Loan-level reads across auto, credit card and mortgage exposure. Live from issuer disclosures and Fed releases.

Subprime auto latest pool, parsed live
Mean borrower FICO611
Wavg original LTV110.94%
30+ day delinquency4.99%
Credit cards master trust + Fed G.19
Revolving credit outstanding$1.34T
Avg commercial bank APR21.0%
Chargeoff rate (trend)Rising toward post-GFC highs
Residential mortgages RMBS + originator data
Avg new mortgage rate (30y)7.36%
Refinance windowClosed
Real disposable incomeFlat MoM

Borrowers underwater on day one, paying 18% on cars, 21% on cards, 7.4% on homes. The household-side math stopped working.

Corporate & commercial

What businesses are borrowing.

Business credit health across bank lending, commercial real estate, leveraged loans and CLO collateral pools.

C&I lending large banks, Fed H.8
Outstanding$2.83T
MoM growth+5.5%
Small business loan indexUnderperforming
Commercial real estate CMBS issuer pools
Office delinquencyPost-2023 peak
DSCR coverageDeclining
Refi maturity wall (3y)$1.5T+
CLOs & leveraged loans 10-D pools, 10 manager families
CCC bucket %Climbing
OC cushionTightening
Wavg spreadWidening

Big business credit looks healthy on the surface. The leveraged loan and CRE undersides tell a different story.

Market reconciliation

What the index actually owns.

S&P 500 concentration, equity-vs-treasury reconciliation, and the rate-path the market is pricing.

Index concentration
S&P 500 level7,412.84
Mag-7 combined market cap$23.49T
NVIDIA alone$5.33T
Valuation vs rates
10y treasury yield4.38%
S&P trailing earnings yield3.60%
Equity risk premium-78 bps
Rate-cut path priced
No Fed cut June (Polymarket)97.5%
Zero cuts in 2026 (Polymarket)60.8%
Fed funds rate3.63%

Large-cap index priced for confidence in mega-cap earnings. The household and commercial credit sides are funding it on 7%, 18% and 21% debt.

Two economies running in parallel. One accelerating. One quietly drowning in revolving debt at 21%. The market is priced as though only the first one exists. KEEL surfaces both, in WhatsApp, on demand, with named borrowers, named tickers, and real basis points.
What KEEL actually reads

Built on primary sources. Not summaries.

Other "AI for investors" tools wrap GPT around news. KEEL works the other way, original regulatory filings parsed the moment they're published, asset-level credit data streamed directly from issuer disclosures, every signal cross-referenced against live macro. The same engine handles "what's a P/E?" and forensic K-shape synthesis. Depth scales with the question.

01 / Regulatory filings

Every form, parsed live

Annual and quarterly reports, item-level event filings, activist disclosures, late-filing notices, IPO prospectuses, planned insider sales, proxy statements, tender offers, foreign issuer reports, bond offerings. Pulled the moment they publish, parsed inside 60 seconds.

02 / Asset-level credit

Loan-by-loan visibility

Borrower-level data across auto, credit card, residential mortgage, commercial mortgage, collateralised loan obligations, student finance, equipment finance. KEEL surfaces FICO bands, LTV distribution, delinquency curves, named collateral. The depth Burry built a team to access.

03 / Macro overlay

The rate cycle, mapped

Consumer credit balances, treasury curve, inflation prints, GDP, real disposable income, prediction market probabilities, fed funds futures. Every macro signal cross-referenced against the underlying credit data so the picture stays coherent across scales.

04 / Breaking events

Unscheduled news, in minutes

Global event detection across regulatory action, M&A leaks, earnings preannouncements, geopolitical shocks, and press releases the moment they hit the wire. The kind of move that historically took an hour to register now reaches you in single-digit minutes.

05 / Institutional flow

What the big money is doing

Dark pool prints, options flow, insider transactions, congressional disclosures, analyst rerating windows. Pushed proactively when the signal is significant, you don't have to ask. The flow side of the picture that retail tools systematically miss.

06 / Sentiment

Crowd conviction, distilled

Retail forum activity, cashtag stream velocity, social platform volume. Filtered to signal, not noise. Surfaces when conviction is building ahead of price, or when sentiment is diverging sharply from what the fundamentals say. Not a vote count, a positioning indicator.

Built for the moments that matter

4:01.
4:02.

The earnings dropped at 4:01 PM. Your WhatsApp had the score, the DCF, the thesis, the bear case, the bull case, and the insider activity at 4:02.

That sixty-second gap between a filing publishing and the analysis arriving on your phone is where edge lives. KEEL closes it. Every. Single. Time.

NVDA · Q3 earnings · 16:01:14 ET
KEEL score74 / 100
DCF fair value$142.00
Currently trading$118.00
Bear / Base / Bull$98 / $142 / $158
Implied upside (base)+20.3%
Insider activity (90d)Net buying
Delivered to WhatsApp16:02:08 ET
Pricing

Cheaper than your worst trade.

Founding rates lock in permanently when checkout opens. Currently invite-only, everyone on the platform when payments go live keeps these prices for life.

Core

For curious investors getting started.
£19 / mo
  • 20 credits per day
  • Quick checks on any ticker
  • Morning briefing + evening roundup
  • Weekly editorial
  • Up to 5 portfolio positions
Start on WhatsApp

Standard

For active investors running real positions.
£49 / mo
  • 50 credits per day
  • Full analyses and deep dives
  • Options and insider flow alerts
  • Social sentiment, pre-market
  • Up to 25 portfolio positions
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Pro

For people who read 10-Ks for fun.
£129 / mo
  • 150 credits per day
  • Thesis tracking, scenario planning
  • Position sizing, devil's advocate
  • Unlimited portfolio and watchlist
  • All future features included
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One good trade covers a year of Pro. One missed downgrade costs more than a decade.

Common questions

FAQ

Is KEEL giving financial advice?
No. KEEL is a research tool that surfaces data and analysis. We give you DCF valuations, balance sheet metrics, and sentiment data so you can make your own informed decisions.
How does the scoring system work?
Every stock that drops significantly gets scored from 0 to 100 based on the gap between its current price and our model's fair value estimate. Higher scores mean larger potential dislocations. Scores above 70 have historically been the most interesting.
What markets does KEEL cover?
US equities (NYSE and NASDAQ) and UK equities (London Stock Exchange). KEEL handles GBP and USD positions and converts P&L into your entry currency automatically.
Can I cancel anytime?
Yes. No contracts, no lock-in. Cancel anytime and you won't be charged again. Your access continues until the end of your billing period.
How does WhatsApp work?
KEEL lives entirely on WhatsApp. Message it like you'd text a friend: "analyze NVDA", "add 50 shares of AAPL at 180", or "how's my portfolio?". It responds in seconds with plain-English analysis. Over time, it learns your style, risk tolerance, and investment theses.
What does "proactive intelligence" mean?
KEEL reaches out when something matters. Morning briefings, earnings alerts, position follow-ups when your stocks move, and thesis health checks. Over 20 automated scans run daily, with a daily cap to prevent message overload.
What does KEEL remember about me?
Your investment style, risk tolerance, sector preferences, and even your texting tone. It tracks the theses behind your trades and scores your conviction based on how you talk about stocks. All of this happens automatically.
Can I send KEEL links and documents?
Yes. Send any YouTube link, news article, or PDF and KEEL will read through it and give you an opinionated financial breakdown. It picks up earnings call transcripts, CEO interviews, and analyst commentary automatically.
How is KEEL different from ChatGPT?
ChatGPT can tell you what a stock's P/E ratio was last quarter. KEEL can tell you it just changed, why, and what it means for your portfolio. KEEL parses primary regulatory filings, runs proactive scans, tracks your positions, and messages you when something matters. It's not a chatbot you visit, it's a system that works for you around the clock.
How accurate is KEEL's analysis?
KEEL pulls real-time data from regulatory filings, earnings reports, market feeds, congressional disclosures, and more. Every analysis cites its sources and shows confidence levels. The DCF models use the same inputs an analyst would, KEEL just processes them in seconds instead of hours. We don't predict prices; we give you the data to make better decisions faster.
Will KEEL spam me with messages?
No. Every tier has a daily message cap, and you control what types of alerts you receive. Most users get 3,5 proactive messages per day: a morning briefing, earnings alerts for stocks they own, and the occasional thesis flag. You can adjust frequency or mute anytime by telling KEEL directly.

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No spam. One sample analysis, then weekly market insights.

Stop reading the headlines.
Start reading the loans.

Invite-only beta. ~10 invites a week. If you run real positions, read filings already, or just want to know whether the market is priced for fiction, start a chat with KEEL right now.

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