Courtesy Diagnostic Request

Submit a ticker.
We run the diagnostic.

Any S&P 500 issuer. Any exchange. The VIU Canonical Engine applies the same six-pillar deterministic framework — no sector adjustment, no geographic override. Published at editorial discretion.

Diagnostic Request — Subject to Editorial Discretion

All diagnostics are qualitative and non-binding · Not investment advice · theviuinc.com/vbb

The VIU Canonical Engine

Six pillars.
One normalized standard.

The engine does not know what exchange an issuer trades on. No geographic premium. No sector discount. No market-cap override. Six pillars scored identically — from a Saudi sovereign giant to an Icelandic regional bank.

01
Profitability
ROE · ROA · Gross Margin · Operating Margin · Net Margin. Earnings quality across the full income statement.
02
Cash Flow Quality
FCF-to-Debt · Operating Cash conversion. Validates whether reported earnings translate to real capital.
03
Balance Sheet Strength
Debt-to-Equity · Current Ratio. Structural solvency and near-term liquidity under stress conditions.
04
Growth & Efficiency
Revenue CAGR · EPS CAGR. Normalized expansion trajectory — the pillar that separates incumbents from compounders.
05
Risk & Resilience
Altman-Z · Dividend Coverage · Stress modeling. Structural shock-absorption capacity.
06
Valuation
Graham-basis intrinsic value · BVPS · Margin of Safety. Price discipline against fundamental anchor.
70+
Resilient
Institutional-grade. Maximum pillar density across cash flow, balance sheet, and risk.
50–69
Strong
Above VPI benchmark. Functional operator with identifiable structural gaps.
30–49
Exposed
Below benchmark. Structural vulnerabilities across one or more pillars.
<30
Critical
Deteriorating fundamentals. Valuation disconnect. Shockwave exposure elevated.
2026 Edition Series

Published diagnostics.
52 weeks. One standard.

Every Monday: one primary S&P 500 issuer benchmarked against 15 cross-sector peers — 3 same-sector, 12 cross-sector — on the same normalized six-pillar framework.

VBB-2026-04May 4 2026
GOOGL
Alphabet Inc. · NASDAQ · Communication Services
75.3
Resilient
Rank 2 of 15 · VPI +25.09
VIU-2026-05-04_13-48-24-9669A62A8D
VBB-2026-SE-01Special Edition
SU.TO
Suncor Energy · TSX · 1 Canadian × 14 Global Peers
65.3
Strong
Rank 6 of 15 · 15 exchanges
VPI Benchmark 58.80
VBB-2026-02Apr 13 2026
UNH
UnitedHealth Group · NYSE · Healthcare
44.5
Exposed
Ranked below COST 58.0
VPI Benchmark 51.17
VBB-2026-01Apr 6 2026
AAPL
Apple Inc. · NASDAQ · Information Technology
66.0
Strong
Rank 6 of 15 · Growth floor
VPI Benchmark 58.12
Platform Access

Three access points.
One canonical engine.

Engine A, Engine B, and the API Node all run the same deterministic six-pillar framework. Identical inputs. Identical outputs. Access tier determines available features — not methodology.

A
Engine A
Primary Institutional Public Platform

Credentialed institutional access. Full 44-peer diagnostic. Section 01–04 architecture: Score gauge, Shockwave Radar, Heat Map, Valuation Snapshot, Ratio Section, Narrative, Peer Comparison. Downloadable graphics and numerical export.

diagnostic.theviuinc.com
Access Engine A →
B
Engine B
Private Sector Platform · CSV Uploads

Live mirror of the canonical engine on Google Cloud Run. Identical methodology. Institutional Tearsheet in PDF + JSON format, Cross Sector Peering events, and demonstration use. API Key credential required for engine access.

viu-engine-b-487281691604.us-central1.run.app
Access Engine B →
⌥
API Node
Institutional Data API

Programmatic access to VIU Bankability Scores, pillar scores, peer rankings, VPI benchmarks, and ratio data. JSON output. Rate-limited by tier. SLA available at Enterprise. Documentation at endpoint.

api.theviuinc.ca
API Documentation →

Platform pricing is separate from VBB subscription pricing. Engine access, API rate limits, seat counts, and SLA terms are defined at the platform tier level.

View Platform Pricing →
VIU Bankability Brief — Subscription

Publication pricing.
Four tiers. One brief.

The VBB is a weekly publication. These tiers govern access to the Brief and its deliverables. For full platform access — Engine A, Engine B, API Node, white-label — see theviuinc.com/pricing.

Individual
$99
per month
  • Weekly VBB PDF tearsheet
  • Primary issuer full diagnostic
  • 15-peer cross-sector ranking table
  • Zone classification & verdict
  • 52 editions per year
Subscribe via Stripe →
Professional
$299
per month
  • PDF + on demand editable PPTX tearsheet
  • Full ratio data export (CSV)
  • VPI benchmark table
  • Cross-sector heatmap language
  • Weekly subscriber email delivery
  • 52 editions + Annual Special
Subscribe via Stripe →
Institutional
$999
per month
  • All Professional deliverables
  • 2 Custom issuer diagnostic requests
  • API access — JSON score output
  • Priority editorial calendar input
  • Week 52 Annual S&P 500 ranking
  • 3 Multi-seat delivery
Subscribe via Stripe →
Enterprise
$2,500
per month
  • Custom peer universe configuration
  • 5 Dedicated diagnostic runs on demand
  • API with rate-limit SLA
  • Co-branded tearsheet delivery
Subscribe via Stripe →
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Request a complimentary diagnostic.

Enter your institutional email. We'll send one complimentary VBB edition on the issuer most relevant to your mandate — no subscription required.

Private & Confidential · Not investment advice · All diagnostics are qualitative and non-binding · theviuinc.com/vbb