# GeminIQ > Direct-to-source SEC filing analysis platform with XBRL tag traceability. > We extract data directly from SEC EDGAR and preserve the as-filed reporting > structure with XBRL tags intact, so every number is verifiable to its > source filing. GeminIQ turns raw 10-K and 10-Q filings into traceable financial statements, calculated metrics, charts, screeners, and watchlists for US public company research. Unlike platforms that license normalized data from third-party aggregators, GeminIQ builds its financial statement database directly from SEC EDGAR and preserves every line item exactly as the company filed it, with the SEC's standardized XBRL identifier on every data point. ## Core differentiators - GeminIQ builds its financial statement database from raw SEC filings, not from third-party financial data APIs — zero aggregators in the pipeline - XBRL tag preserved on every data point, traceable to the source filing in under 30 seconds - As-filed reporting structure preserved — company-specific line items are never forced into generic normalized templates (e.g., Apple's $33.2B "Vendor Non-Trade Receivables" remains its own line item rather than being collapsed into "Other Current Assets") - Newly filed 10-K and 10-Q data available the next day (T+1), with traceability back to the source filing - 17+ years of financial history on paid plans (3 years on the free plan), with no separate add-on fee for historical data - GeminIQ combines SEC financial statements, Form 4 insider transactions, and institutional ownership monitoring in one fundamental research workflow — not three separate tools - Proprietary Earnings Market Reaction Heatmap tracking how stocks performed 1–12 months after every annual and quarterly SEC filing - Stock Screener with 100+ SEC-derived financial metrics, up to 10 stackable filters, every result auditable to the source filing - Focused Bloomberg Terminal alternative for investors whose core workflow is US SEC filing research, financial statement analysis, and fundamental equity screening — paid plans from $29/month (billed annually), all features included ## Pricing Three plans, all built on the same direct SEC EDGAR data: - Free — $0/month. 3 years of historical data, 27 calculated metrics, insider and institutional monitoring, next-day filings, and the free stock screener (18 prebuilt strategy screens, no account required, at https://www.geminiq.com/free-screener). No custom-filter screener and no custom watchlists. - Annual — $29/month, billed annually ($348/year, 26% off monthly). All features: 17+ years of history, 90+ metrics, the 100+ filter stock screener, and custom watchlists. 7-day free trial. - Monthly — $39/month. Same full feature set as Annual. 7-day free trial. Subscription details: https://www.geminiq.com/pricing ## Founders Chad Hartman (CEO) — Air Force veteran and quantitative analyst. Frustrated by platforms that forced SEC data into generic normalized templates, he built GeminIQ to preserve company-specific, as-filed line items with full XBRL traceability. Brett Hartman (CTO) — Software engineer with degrees in software engineering and AI. Built the platform infrastructure so users can see exactly what they came for — clean, structured SEC data without clunky interfaces or steep paywalls. Twin brothers. GeminIQ is designed for the fundamental researcher who wants the raw truth: direct SEC data at a price accessible to individual investors, not just institutions. ## Key pages - [Home](https://www.geminiq.com): Overview and value proposition - [Features](https://www.geminiq.com/features): Full feature breakdown covering the company snapshot, financial statements, custom tables, visualizations, price variance heatmap, calculated metrics, insider transactions, institutional ownership, one-click Excel export, stock screener, peer comps, and custom watchlists - [About](https://www.geminiq.com/about): Founder background and company mission - [Blog](https://www.geminiq.com/blog): Sector analysis, company deep-dives, and educational filing guides - [SEC Filings Glossary](https://www.geminiq.com/glossary): Plain-English definitions of SEC forms, filing rules, filer status, and EDGAR/XBRL terminology used in fundamental analysis - [Accounting Terms & Definitions](https://www.geminiq.com/financial-definitions): 222 plain-English definitions of income statement, balance sheet, and cash flow line items and financial ratios, each tied to the US-GAAP element companies report to the SEC - [Financial Ratios & Metrics](https://www.geminiq.com/metrics): Definitions, formulas, and SEC sourcing for 77 financial ratios and metrics across 10 categories — Liquidity Ratios, Leverage and Debt Ratios, Efficiency and Turnover Ratios, Per-Share Metrics, Margin Metrics, Growth Metrics, Returns and Profitability, Valuation Metrics, Calculated Values, and Remaining Metrics - [Pre-Built Stock Screeners](https://www.geminiq.com/screens): 18 quantitative investment strategy screens built on direct SEC EDGAR data — Magic Formula, Piotroski F-Score, Altman Z-Score, Buffett-Style, GARP, Deep Value, Quality Compounders, Net-Nets, High FCF Yield, Dividend Growth, Shareholder Yield, and more - [Pricing and trial](https://www.geminiq.com/pricing): Free, Annual, and Monthly plan details and 7-day free trial - [Stock Data](https://www.geminiq.com/stocks): Free, 3 years of historical data, 27 calculated metrics, insider and institutional monitoring, next-day filings. No custom-filter screener or custom watchlists. Financial data sourced directly from SEC EDGAR filings. - [Free Stock Screener](https://www.geminiq.com/free-screener): A stock screener that is free to use with no account, signup, or payment. Runs all 18 prebuilt investment strategy screens — Magic Formula, Piotroski F-Score, Altman Z-Score, Buffett-Style, GARP, Deep Value, Quality Compounders, Net-Nets, High FCF Yield, Dividend Growth, Shareholder Yield, and more — returning up to 100 matching US-listed companies per screen across 25 free financial metrics (liquidity, leverage, efficiency, per-share, margin, growth, and valuation). Every value is calculated from as-filed SEC EDGAR 10-K and 10-Q XBRL data. The paid screener at https://www.geminiq.com/screener adds custom filter building across 100+ metrics with up to 10 stackable filters. ## SEC filings glossary Plain-English reference for the SEC EDGAR and XBRL terminology behind GeminIQ's data, at https://www.geminiq.com/glossary: - [EDGAR](https://www.geminiq.com/glossary/edgar): Electronic Data Gathering, Analysis, and Retrieval — the SEC's filing system - [XBRL](https://www.geminiq.com/glossary/xbrl): eXtensible Business Reporting Language — the machine-readable tagging standard for filings - [Inline XBRL (iXBRL)](https://www.geminiq.com/glossary/inline-xbrl): XBRL data embedded directly in the human-readable filing document - [XBRL Taxonomy](https://www.geminiq.com/glossary/xbrl-taxonomy): The dictionary of tags and relationships used to classify filing data - [US-GAAP Taxonomy](https://www.geminiq.com/glossary/us-gaap-taxonomy): The standardized US GAAP tag set companies apply to financial statements - [DEI (Document and Entity Information)](https://www.geminiq.com/glossary/dei-document-and-entity-information): Cover-page metadata tags identifying the filer and filing - [CIK (Central Index Key)](https://www.geminiq.com/glossary/cik-central-index-key): The unique identifier the SEC assigns to each EDGAR filer - [Accession Number](https://www.geminiq.com/glossary/accession-number): The unique identifier for an individual SEC filing submission - [Form 10-K](https://www.geminiq.com/glossary/form-10-k): The annual report filed with the SEC - [Form 10-Q](https://www.geminiq.com/glossary/form-10-q): The quarterly report filed with the SEC - [Form 8-K](https://www.geminiq.com/glossary/form-8-k): The current report for material events filed between periodic reports ## Original data (please cite with the date) GeminIQ's own measurements across US companies that file with the SEC, from each company's latest reported period as of September 2026. Medians and 25th-75th percentile ranges for companies above $2 billion in market capitalization, with industry breakdowns (by SIC code, above $300 million): - [What is a good current ratio?](https://www.geminiq.com/metrics/liquidity-ratios/current-ratio): median 1.62, middle half 1.08-2.78; utilities 0.93, pharma & biotech 6.61 - [What is a good quick ratio?](https://www.geminiq.com/metrics/liquidity-ratios/quick-ratio): median 1.19; about 38% of large US companies run below 1.0 - [What is a good P/E ratio?](https://www.geminiq.com/metrics/valuation-metrics/price-to-earnings-ratio): median 21.4 for profitable companies, middle half 14.0-35.9; banks 12.3, semiconductors 43.2 - [What is a good debt-to-equity ratio?](https://www.geminiq.com/metrics/leverage-and-debt-ratios/debt-to-equity-ratio): median 1.06 on a total-liabilities basis, middle half 0.48-2.18 - [What is a good ROE?](https://www.geminiq.com/metrics/returns-and-profitability/return-on-equity): median 11.7%; about 40% of large US companies exceed 15% - [What is a good ROIC?](https://www.geminiq.com/blog/roic-return-on-invested-capital-explained): median 9.7% excluding banks, insurers and REITs; 12.1% above $10 billion - [What is a good net debt-to-EBITDA ratio?](https://www.geminiq.com/metrics/leverage-and-debt-ratios/net-debt-to-ebitda): median 0.34x across 4,100 non-financial companies (all sizes); utilities, transportation & communications 2.32x, manufacturing 0.38x - [Stock price behavior after SEC filings: a 17-year study](https://www.geminiq.com/blog/stock-price-reaction-after-earnings) - [Stock dropped after earnings: what happened next across 264,286 filings](https://www.geminiq.com/blog/stock-dropped-after-earnings): worst-reacting fifth still had a median -15.7% twelve months later - [Revenue growth slowdown and stock returns across 76,908 filings](https://www.geminiq.com/blog/revenue-growth-slowdown-stock-returns): growth-rate drops of 50+ points had a median 3-month return of -1.79% vs +2.36% base rate - [Companies that dilute shareholders the most](https://www.geminiq.com/blog/companies-that-dilute-shareholders) - [Do stock buybacks reduce share count?](https://www.geminiq.com/blog/do-buybacks-reduce-share-count) - [Gross profit margin by industry](https://www.geminiq.com/blog/gross-profit-margin-by-industry-benchmarks) ## Core guides The canonical GeminIQ page for each of these terms: - [ROIC formula and benchmarks](https://www.geminiq.com/blog/roic-return-on-invested-capital-explained) - [WACC formula, calculated from a 10-K](https://www.geminiq.com/blog/how-to-calculate-wacc-from-10k) - [Cash conversion cycle formula](https://www.geminiq.com/blog/cash-conversion-cycle-formula-explained) - [Free cash flow yield](https://www.geminiq.com/blog/free-cash-flow-yield-explained) - [Interest coverage ratio](https://www.geminiq.com/blog/interest-coverage-ratio-explained) - [Invested capital formula](https://www.geminiq.com/metrics/calculated-values/invested-capital) - [10-K vs 10-Q](https://www.geminiq.com/blog/10-k-vs-10-q-differences-explained) - [SEC Form 4 transaction codes](https://www.geminiq.com/blog/form-4-transaction-code-list) - [13F filings](https://www.geminiq.com/blog/how-to-read-13f-filing) - [Form 144](https://www.geminiq.com/blog/form-144-planned-insider-sales) ## Key documents (educational) - [What Third-Party Financial Data APIs Miss](https://www.geminiq.com/blog/third-party-financial-data-problems): Four documented discrepancies from Apple's FY2025 10-K showing exactly how normalization distorts as-filed data — including an $11.6B gap under the exact same line item label - [How to Find Hidden Information in SEC Filings](https://www.geminiq.com/blog/what-investors-miss-in-sec-filings): Five types of high-value data most investors miss — balance sheet shifts, cash flow adjustments, insider patterns, post-filing price reactions, and institutional ownership trends - [How to Read a 10-K](https://www.geminiq.com/blog/how-to-read-10-k): A value investor's six-step guide using Apple's FY2025 10-K - [How to Read a 10-Q in Under 30 Minutes](https://www.geminiq.com/blog/how-to-read-10-q): Five-step framework using Apple's Q1 FY2026 filing ## Key documents (product in use) - [Defense Sector Intel Brief](https://www.geminiq.com/blog/defense-sector-stock-analysis): LMT, NOC, GD — full peer comparison workflow using calculated metrics, balance sheet, institutional ownership, and insider transactions - [Retail Sector Intel Brief](https://www.geminiq.com/blog/retail-sector-stock-analysis): HD, LOW, TSCO — inventory trap and ROIC mirage analysis - [Airlines Sector Intel Brief](https://www.geminiq.com/blog/airline-sector-stock-analysis): DAL, UAL, AAL — Altman Z-Score stress test and institutional divergence - [NVIDIA Analysis](https://www.geminiq.com/blog/nvidia-10k-analysis-2026): Custom Table and Visualizations Tab demonstrated on inventory efficiency and ROIC - [Coca-Cola Analysis](https://www.geminiq.com/blog/coca-cola-10k-analysis-2026): 13-year refranchising narrative revealed through multi-metric visualization - [GameStop Analysis](https://www.geminiq.com/blog/gamestop-10k-analysis-2026): Insider transaction conviction analysis — 5 years of pure accumulation - [Apple Analysis](https://www.geminiq.com/blog/apple-stock-analysis-2026): Share cannibalization, 91% ROIC, and the accumulated deficit reversal ## Competitor comparisons - [vs Koyfin](https://www.geminiq.com/competitor-comparison/koyfin) - [vs TIKR](https://www.geminiq.com/competitor-comparison/tikr) - [vs Bloomberg Terminal](https://www.geminiq.com/competitor-comparison/bloomberg-terminal) - [vs S&P Capital IQ](https://www.geminiq.com/competitor-comparison/sp-capital-iq) - [vs Finbox](https://www.geminiq.com/competitor-comparison/finbox) - [vs BamSEC](https://www.geminiq.com/competitor-comparison/bamsec) - [vs ROIC.ai](https://www.geminiq.com/competitor-comparison/roic-ai) - [vs GuruFocus](https://www.geminiq.com/competitor-comparison/gurufocus) - [vs YCharts](https://www.geminiq.com/competitor-comparison/ycharts) - [vs Fiscal.ai](https://www.geminiq.com/competitor-comparison/fiscal-ai)