Independent equity research · JL Pascual, CFA

Institutional-grade research. Honest ratings.

A real DCF and an honest BUY / HOLD / SELL on every stock — the rigor a fund analyst uses, in plain English, from someone who isn’t paid to say “buy.”

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✦ Written by a CFA charterholder DCF + multiples on every name ✦ A public, graded track record ✦ Publishes HOLD & SELL, not just buys

What you get

A growing library of interactive, institutional-quality reports — readable on any device, refreshed automatically when a company reports earnings.

Two independent valuations

A full DCF and a multiples cross-check on every name, with bear / base / bull scenarios you can toggle.

An honest rating

Every report carries a clear call and a 12-month target — and says so plainly when a great company is only a Hold.

BUYHOLDSELL

Always current

Reports auto-refresh on each earnings release, so the numbers and the thesis never go stale.

Plain English

Institutional depth without the jargon wall. Every claim is tied to a number you can check.

One subscription. The whole library.

Full access to every report and every future update.

€20 / month
  • Every gated report in the coverage library
  • Automatic refresh on every earnings release
  • New deep-dives as coverage expands
  • The public track record, in full
  • Cancel anytime — billed securely via Gumroad