Reads like a machine. Thinks like an investor.
Charlie has read every filing, call and figure behind a company. Ask anything, and see where each answer comes from.
Pick a question. See what Charlie finds.
Sees what insiders do
Is management selling its own shares?
Yes, and nobody is buying. Almost all of it was sold outside plans agreed in advance.
From data, not from AI
$456m sold$0 bought
SoldSold under a plan agreed in advance
- Vertiv · Management
- Insider filings
Holds management to its word
Is management keeping its promises?
One kept, one delayed. The next test is this year: about 2,600 new restaurants.
- New McCafé drinks in the US2026Kept
- 50,000 restaurants
20272028Pushed back - About 2,600 openings2026This year
- McDonald's · Management
- Call · Aug 2026
Explains what you read
Return on capital has long exceeded the cost of financing it, which confirms a wide moat. It is falling as Meta builds AI infrastructure and ties up more money in assets.
What does this mean, in plain words?
Every dollar Meta puts into the business earns more than the dollar costs it. Doing that for years means rivals can't easily copy it. That's what a moat is.
- Meta · Moat
Knows the companies you follow
Which of my companies carries the most debt?
Against what it earns, McDonald's. But Meta's debt almost tripled in a year, to pay for data centres.
From data, not from AI
- McDonald's2.6
- Vertiv1.0
- Meta0.8Debt ×2.8 in a year
- Adobe0.5
- Your Watchlist
- Reported figures
Ask for a comparison. Get the chart.
Name two numbers. Charlie lays years of them side by side and tells you what the picture means.
Show me capex against free cash flow.
Meta now spends more than three times the cash it has left over. The lines crossed in 2025, as it built data centres for AI.
CapexFree cash flow$ bn a year
- Meta · Company in numbers
- Annual reports 2019–2025
- Q3 2026 report
- Now debt against cash.
- And revenue against costs?
- Share count since 2016?
Ask about the companies you follow.
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No time to read? Put your headphones in.
Charlie walks you through a company from start to finish, chapter by chapter, in about the time of a commute.
Questions about Charlie
Who is Charlie?
Charlie is the AI in MoatDiver: a guide that has read everything we hold on a company and answers in our voice. It isn't a person, and it never pretends to be one.
How is it different from an ordinary chatbot?
An ordinary chatbot answers from whatever it learned or finds online that day. Charlie answers from what we have collected and checked: the research, the filings, the calls and ten years of figures. It shows where each answer comes from and says so when the data isn't there.
Will Charlie tell me what to buy?
No. Ask, and Charlie tells you plainly that the decision is yours. Then it shows what the story rests on, where the weak spot is and what to watch.
Can Charlie read my notes?
Only if you let it. You can switch it off at any time. Charlie can suggest a note for your journal, but it never saves anything on its own.
What if an answer is wrong?
Every answer shows its sources, so you can check it in one tap. You can rate any answer, and we read every rating.
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We email you to confirm, then only about the launch. Privacy