Fincast
AI-assisted valuation workflows for public equities, with scenario modeling, fair value outputs, and live market context in one interface.
Next.jsAnthropic APIMarket dataValuation models
Constiertel
Consti Ertel
Equity research, analytical systems, and machine learning projects.
I build ML systems, publish equity research, and turn messy datasets into decisions worth making.
Current focus
- Self-supervised vision and generative model research — building toward deployable ML systems.
- Equity research with a long-horizon, cash-flow-first lens focused on durable business models.
- Data science and ML coursework at UC Berkeley spanning statistics, optimization, and inference.
Recent research
Editorial stock workups built for patient readers.
SoFi: A Developing Compounder at Inflection
SoFi is a legitimate developing compounder at an early but identifiable inflection point. The central thesis: SoFi's current 18% operating margin grossly understates its 5-year potential. The Financial Services segment inflected to 51% contribution margins in Q4 2025 — from near-zero in 2023 — on an asset-light model. The Technology Platform is an overlooked embedded-finance infrastructure asset the market is missing entirely.
FintechDeveloping CompounderFinancialsBanking
DoorDash: Building the Operating System of Local Commerce
DoorDash is widely analyzed as a food delivery company. It is actually constructing a full-stack commerce operating system — spanning logistics, subscriptions, merchant data, and advertising — funded by delivery economics. The advertising business is the unpriced optionality the market is missing.
High GrowthPlatform EconomicsAdvertisingConsumer Tech
Selected builds
Machine learning and analytics projects with production intent.
JEPA Experiment
A research comparison of representation-learning objectives, testing whether JEPA-style prediction produces more useful embeddings than reconstruction.
PyTorchVision TransformerCIFAR-10Representation learning
Personalized Listing Photo Editing
A compact personalization pipeline for learning a photographer-specific editing style without keeping a heavyweight generation model in production.
BLIP-2FLUX.1 KontextInstructPix2PixLoRA