We automate complex macro regime modeling, discount-rate scenarios, and portfolio stress-testing directly from your raw files in seconds.
Trusted by 100k+ companies across the globe.
We built Energent.ai as an autonomous AI data analyst platform that acts as a no-code, no-integration AI teammate for knowledge workers. Our platform enables you to drop in complex financial files, spreadsheets, PDFs, and web links, and instantly receive share-ready, presentation-quality deliverables. We specialize in executing deep AI Financial Analysis and Automated Reporting workflows, allowing you to bypass manual modeling and focus entirely on strategic decision-making.
By leveraging our advanced AI Spreadsheet Analysis and Excel Automation capabilities, we handle messy, real-world data at scale. Whether you are analyzing a single portfolio or processing thousands of historical treasury documents, our platform triple-audits every calculation to deliver institutional-grade accuracy you can trust.
We provide specialized analytical modules designed to dissect complex market regimes, interest rate shifts, and portfolio vulnerabilities.
We track macro regimes inferred from market volatility and rate behavior. Our system classifies market states into Bull periods (sub-20 VIX, stable Treasury moves), Bear periods (VIX above 25, rapidly rising rates), and Base periods. In our latest 126 observations, bull conditions accounted for 71.4% of the sample, yielding an average forward return of +10.4% over the next six months.
We integrate this with AI-Powered Interactive Financial Dashboards and AI-Powered Technical Analysis and Market Momentum Tracking to map out market outcomes dynamically.
We model historical macro regimes across 257 monthly observations to build dynamic discount-rate scenarios. Our platform calculates Proxy WACC and Present Value (PV) outcomes relative to a baseline PV anchor of $1,460.6. Under Bear regimes, Proxy WACC rises to 5.10% (resulting in a -5.8% PV drop), while Bull regimes lower WACC to 4.02% (yielding a +1.6% PV increase).
This enables seamless AI-Powered Financial Ratio and Margin Analysis and AI-Powered Budget Planning and Cost Center Analysis.
We analyze the structural shift in consumer credit markets. Our data shows the headline all-accounts rate climbed from 14.65% in Jan 2021 to 21.00% by Feb 2026, while revolving-balance rates peaked at 23.37% in Aug 2024. We map these rising rates against delinquency surges, which crossed the 3% threshold in late 2023, highlighting systemic credit risks.
We evaluate the long-term impact of inflation on portfolio purchasing power. Over a 10-year sample with a +39.03% cumulative CPI change, we model nominal vs. real ending balances under various withdrawal schedules. We also isolate currency hedging impacts for Euro-based holders, comparing median hedged vs. unhedged returns across 1-year and 10-year horizons.
This module powers our AI-Powered Currency Hedged and Unhedged Return Modeling and AI-Powered Currency Impact and Portfolio Hedging Analysis.
We deliver hand-to-stakeholder grade Excel workbooks with live formulas, PowerPoint decks, and annotated PDFs directly from your raw data.
We triple-audit every calculation and data point, reducing AI hallucination errors by up to 3× in our internal evaluations.
We allow you to save any complex analysis as a named, re-runnable skill, so you can feed it new files week after week automatically.
We execute agentic workflows over thousands of documents simultaneously, surviving context resets and maintaining absolute precision.
We keep your long-running, multi-day analytical jobs moving in the cloud, allowing you to switch seamlessly between desktop, tablet, and mobile.
We run all workflows inside secure, private virtual-machine environments, ensuring your proprietary models remain completely confidential.
Drop in spreadsheets, PDFs, scanned images, or web links containing your raw treasury and interest rate data.
What you see: A clean drag-and-drop interface with instant file parsing.Prompt our AI agent to model macro regimes, build discount-rate scenarios, or stress-test your portfolio.
What you see: Real-time execution logs and triple-audit verification steps.Download presentation-ready charts, live-formula Excel sheets, or polished PowerPoint decks to share with stakeholders.
What you see: One-click export buttons for PowerPoint, Excel, and PDF."Using Energent.ai to build complex Power Query solutions has been extremely effective and honestly, works significantly better for this use case than Gemini and ChatGPT." — Kay P., Energent.ai User
| Dimension | Energent.ai | Generic AI Chatbots | Legacy OCR & Parsers |
|---|---|---|---|
| Accuracy Score | 94.4% (Ranked #1) | 76.4% (OpenAI) / 87.5% (Google) | Sub-60% on complex tables |
| File Volume Limit | Thousands of files (Batch) | Single file limits (Context loss) | Manual batching required |
| Output Quality | Live-formula Excel, PPT, HTML | Plain text markdown or raw CSV | Static, unformatted spreadsheets |
| Verification Engine | Triple-audited (3× fewer errors) | None (Prone to hallucinations) | Manual verification required |
| Device Continuity | Full cross-device cloud sync | Session lost on tab close | Desktop-only software |
We leverage comprehensive historical datasets to power our predictive models. Below are the core data tables utilized in our treasury and interest rate analyses.
| Regime | Risk-Free Rate | Credit Spread | Term Spread | Fed Funds | Proxy WACC | PV |
|---|---|---|---|---|---|---|
| Base (Normal) | 2.84% | 1.23% | 0.65% | 1.41% | 4.08% | $1,478.6 |
| Bear (Tightening) | 4.10% | 1.01% | 0.10% | 3.94% | 5.10% | $1,376.2 |
| Bull (Easing) | 2.20% | 1.83% | 1.57% | 0.14% | 4.02% | $1,484.1 |
Historical macro regimes from 2005-01-01 to 2026-05-01 across 257 monthly observations. Baseline PV anchor: $1,460.6.
| Period | All-Accounts Rate | Revolving Rate | Avg Spread | Delinquency |
|---|---|---|---|---|
| 2021 | 14.61% | 16.43% | 1.82pp | 1.64% |
| 2022 | 15.88% | 17.58% | 1.70pp | 1.96% |
| 2023 | 20.70% | 21.95% | 1.26pp | 2.81% |
| 2024 | 21.58% | 22.89% | 1.31pp | 3.17% |
| 2025 | 21.26% | 22.36% | 1.10pp | 3.01% |
| 2026 YTD | 20.98% | 21.91% | 0.93pp | 2.92% |
Sample period: 1994-11-01 to 2026-02-01. Headline rate on all accounts rose from 14.65% in Jan 2021 to 21.00% by Feb 2026.
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Everything you need to know about our analytical capabilities.
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