Español 
Deutsch 
Français Javier Bernal-Polo
The numbers behind the headline.
I built Bernal FinTech alone: an analysis platform for investors, and the same craft on commission.
- 38,000+
- companies
- 9,700+
- ETFs
- 60+
- markets
- 30 years
- of history
What I do
Subscribe
- Analysis platformThe whole model, not the summary: valuation you drive, and the distribution of what can happen next.
- CafinvestTraining and that week’s market, live.
Commission
- Financial dataPipelines, quality, SQL. The number that comes out has to be the right one.
- Custom softwarePython, PHP, JavaScript. From a prototype to something you actually run.
- Valuation and riskReports for family offices, boards and finance teams. DCF, VaR, GARCH, Monte Carlo.
- Analytics and AITime series, ranking, RAG. In-house if the data cannot leave.
- Reporting and automationDashboards, PDF/Excel, and the repetitive work still done by hand.
The platform
Fundamentals
Income, balance sheet, cash flow, segments, ownership and insiders.
Valuation
DCF with your assumptions. Owner Earnings next to the reported figure.
Risk
VaR, CVaR, GARCH, Monte Carlo, Markov, Hurst. On every company, assumptions in the open.
Technical
Three horizons, a conviction score, Volume Profile. You can see the rules.
Sectors
Where money is moving, without reading forty articles.
Cafinvest
Tuesdays: coffee and markets.
18:00–19:30 · 40 sessions a year · in Spanish
Ninety minutes live, with me: how to read a balance sheet, how a valuation survives a hard question, what a VaR measures — and that week’s market, with the platform open.
Not investment advice, and I do not comment on portfolios. You leave knowing how to look, not what to buy.
What this is not
Better before you pay.
No real time
End-of-day data. If you trade intraday, this is not your tool.
No export
No CSV, Excel or API. The data licence does not allow it.
No recommendations
Data, models and measures. The decision is yours — by design, not as a legal footnote.
No free plan
Subscriptions fund the platform. Commissioned work is under contract.
Who
I am Javier Bernal-Polo. Bernal FinTech SL is me.
Wirtschaftsinformatik in Bonn, years in Germany, the company since 2022. Master’s in Advanced Finance, in progress.
Pricing
Three subscriptions. Commissioned work, separately.
Subscriptions open shortly. These prices will not change. In the meantime I give demos of a few days, no card.
Platform
€20/month
€200/year · two months free on the annual plan
The whole model, not the summary.
Cafinvest
€20/month
€200/year · two months free on the annual plan
Tuesdays 18:00–19:30. Training and markets, in Spanish.
Pack
€30/month
€300/year
Both, €10 less per month than buying them apart.