Read SEC Filings Fast with AI
The average 10-K annual report is more than 150 pages of dense legal and financial text. Pineify reads the full document, locates the sections that matter — risk factors, MD&A, revenue breakdowns, guidance language — and gives you a clear summary in seconds. Works across 10-K, 10-Q, 8-K, 13F, and DEF 14A filings.
What does the SEC Filing Analyzer do?
SEC filings are public records, but they are written for lawyers and accountants, not investors. A single 10-K can bury the most important numbers inside footnotes on page 112. The Pineify Finance Agent pulls the filing directly from EDGAR, parses the document structure, and answers your plain-English questions — which segment drove margin compression, what the board approved in executive compensation, how inventory levels changed quarter over quarter. You get direct answers with the source section cited, so you can verify every claim.
How It Works
- 1
Enter a ticker or paste an EDGAR filing URL into the chat.
- 2
Pineify fetches the latest 10-K, 10-Q, 8-K, 13F, or DEF 14A from EDGAR.
- 3
Ask a plain-English question about the filing content.
- 4
The agent returns a direct answer with the relevant section and page reference.
- 5
Follow up with additional questions — the filing stays loaded in context.
Pineify vs. AlphaSense vs. Tegus for SEC filing research
| Feature | Pineify Finance Agent | AlphaSense | Tegus |
|---|---|---|---|
| Access to SEC filings (10-K, 10-Q, 8-K, 13F, DEF 14A) | Yes — all filing types via EDGAR | Yes — premium library | Limited — focuses on expert calls |
| Plain-English Q&A on filing content | Yes — conversational chat interface | Yes — Smart Synonyms search | No — transcript-based, not filing-based |
| Pricing for individual investors | Free tier available | $1,000+/month (enterprise only) | Enterprise pricing, no self-serve |
| Source citation with page/section reference | Yes — section and page cited per answer | Partial — snippet highlights | N/A |
| Multi-filing comparison (e.g., Q1 vs Q2 10-Q) | Yes — load multiple filings in one session | Yes — document comparison feature | No |
| No account required to start | Yes — free tier, no credit card | No — demo required | No — sales call required |
Real Use Cases
Annual report deep dive
User asks
“What were the three biggest risk factors disclosed in Apple's most recent 10-K?”
Agent returns
The agent surfaces the exact risk factor headings from Item 1A, summarizes each in plain language, and cites the page number so you can verify against the source document.
Quarterly earnings context
User asks
“How did gross margin change between the last two 10-Q filings for Microsoft?”
Agent returns
The agent loads both quarterly filings, extracts the gross profit line from each income statement, and explains what management attributed the change to in the MD&A section.
Material event screening
User asks
“Did Tesla file any 8-K disclosures about executive departures in the last six months?”
Agent returns
The agent scans recent 8-K filings for Item 5.02 events and lists any officer or director changes with the filing date.
Institutional ownership tracking
User asks
“Which hedge funds increased their position in Nvidia according to the latest 13F filings?”
Agent returns
The agent parses 13F-HR filings from large investment managers and shows net position changes with the reporting period.
Proxy statement review
User asks
“What is the CEO-to-median-employee pay ratio in Meta's most recent DEF 14A?”
Agent returns
The agent finds the pay ratio disclosure required under Item 402(u), extracts the figures, and provides the context management included in the proxy.
Sample Questions to Try
- ›What guidance did management give for next quarter's revenue in the latest 10-Q MD&A?
- ›How much cash did the company return to shareholders through buybacks and dividends this fiscal year according to the 10-K?
- ›What are the key covenants on the company's long-term debt as described in the 10-K footnotes?
- ›Did the auditor issue any going-concern language in the most recent 10-K?
- ›What segment accounted for the largest share of operating income in the last 10-Q?
- ›How did the company describe its supply chain risks in the 10-K risk factors section?
- ›What stock-based compensation expense did the company record this quarter according to the 10-Q?
- ›Which items were listed under "critical accounting estimates" in the most recent 10-K?
- ›What shareholder proposals are on the ballot in the upcoming DEF 14A proxy filing?
- ›Has the company disclosed any material litigation in recent 8-K filings?
Frequently Asked Questions
This content is for educational and informational purposes only and does not constitute financial advice.