Frequently Asked Questions

EquityDive generates comprehensive, AI-powered investment research reports on publicly traded U.S. companies. Enter any ticker symbol, and we pull data from multiple sources — SEC filings, institutional-grade financial databases, earnings call transcripts, and more — to produce a detailed equity analysis covering business overview, financials, valuation, governance, risks, competitive positioning, insider and congressional trading activity, and technical analysis. Each report takes about 5 minutes to generate.

Our reports synthesize data from SEC filings and reputable financial data providers. All quantitative data is sourced from official filings and financial databases — not generated by AI.

Financial data comes from the most recently filed SEC documents, typically the latest 10-K annual report. Earnings call transcripts reflect the most recent available quarter. Market data such as stock prices and peer comparisons are pulled at the time of report generation.

Yes. All registered users can access their past reports from the History tab after logging in. You can print, export, or delete reports from your account at any time. Each report includes the generation date and the AI model used, making it easy to track how your views evolve over time or compare perspectives across different models.

Reports currently allow you to adjust key valuation sensitivities — discount rates, exit multiples, and more — after the report is generated. This lets you observe isolated value impact changes without generating an entirely new report. We have a robust feature roadmap in the works to deliver even more customization options.

One credit equals one comprehensive report. Volume and payment method–based discounts are available. Create a free account to take advantage of your complimentary first report, then visit our Pricing page for full details on credit packages and discounts.

We accept card payments (Visa, Mastercard, Amex) through Stripe and Bitcoin payments (Lightning or on-chain) through BTCPay Server.

EquityDive operates on a pay-per-report model. We believe this best aligns the value we deliver with the costs incurred to produce each report. Your time is valuable — no need for yet another fine-print subscription to keep track of.

If a report fails to generate due to an unforeseen network issue, no credits will be deducted from your account. In the event a report generates successfully but a local connectivity issue prevents delivery, the completed report will be available in your History tab. Because reports are generated on demand using paid data and computing resources, we are unable to offer refunds for completed reports. If you experience any issues, reach out to us at support@equitydive.ai — we’re committed to making things right.

Card payments are processed by Stripe — we never see or store your card details. Bitcoin payments are handled by BTCPay Server. We do not sell or share your personal information with third parties. See our Privacy Policy for full details.

We take privacy seriously — and we’ve architected the product with this exact concern in mind.

First, we require nothing beyond a valid email to use our service. When you generate a report, your request is routed through a privacy-first proxy that breaks any linkage between your account and the queries sent to AI models for processing. The models handle data analysis with no connection to who requested or receives the report.

Second, your alpha lies in what you do with the report — your individual thesis, your custom assumptions, and your conviction. The report empowers you with comprehensive analysis spanning multiple domains of equity research, culminating in a cohesive AI-driven recommendation with probabilistic outcomes grounded in the underlying data. But the edge is yours: how you interpret it, weight it, and act on it.

Third, we’re closely monitoring the open-source model landscape. As soon as leading open-source models meet our quality thresholds, we plan to offer end-to-end encrypted options for users who want that additional layer of assurance.

We take accuracy seriously. EquityDive uses a proprietary architecture that separates fact from interpretation. All financials, valuations, ratios, and calculations in our reports are deterministic — driven entirely by code and sourced directly from official filings and financial databases. AI models are never asked to produce numbers or perform calculations. Where AI excels is in synthesizing qualitative insights — interpreting competitive dynamics, contextualizing risks, and highlighting implications of the data. This deliberate separation ensures that the quantitative backbone of every report is as reliable as its source data, while still giving you the benefit of AI-powered analysis where subjective judgment adds value.

EquityDive employs a proprietary engineering pipeline, but when it comes to the AI intelligence powering your report’s analysis, the choice is yours. We offer a curated selection of leading frontier models and are committed to making the latest options available as they release. You can set a default model preference in your account or generate reports on the same company using different models for an alternate perspective. Just as a stock covered by Wall Street analysts can receive widely differing ratings based on the same publicly available information, think of our model options as your own personal board of directors — each bringing a distinct analytical lens to the same data.

No — and we’d be skeptical of anyone who claims they can. Even with the power of modern AI, no one has a crystal ball. Our reports are not financial advice and should not be treated as such. What they are designed to do is empower you with a comprehensive, well-organized set of relevant information in a fraction of the time it would take to compile on your own. As the saying goes, investing is an individual sport. Our goal is to help you build conviction in your own thesis rather than rent someone else’s.