Quartr AI chat

Overview

Quartr AI Chat is a specialized AI-powered interface launched on the Quartr mobile app on October 28, 2025, designed specifically for researching public companies through natural language queries against investor relations materials. Rather than a general-purpose financial chatbot, Quartr AI Chat is purpose-built for analyzing earnings calls, filings, slide presentations, and other first-party investor relations content from over 13,000 public companies globally, with coverage of transcripts dating back to 2010.

The platform addresses a critical friction point in financial research: the time-intensive manual process of extracting specific data points from fragmented IR materials. While general AI tools like ChatGPT can generate plausible-sounding financial analysis, they often conflate sources, speculate, or include media interpretation without proper attribution. Quartr AI Chat solves this through exclusive reliance on verified first-party company-generated materials—requiring every answer be traceable to specific source documents, timestamps, and page numbers with clickable verification.

Quartr raised $10 million in Series A funding in July 2025 from existing investors Altos Ventures, Yanno Capital, and Öhman, validating its market traction with hedge funds, asset managers, equity research firms, and IR teams already using Quartr Pro desktop platform. The company reported 3x ARR growth year-over-year, with 3 of the world’s 5 largest hedge funds by AUM now using Quartr Pro, and 2 of the Magnificent 7 tech companies as API partners. The mobile app’s AI Chat launch democratizes access to these capabilities for broader audiences beyond institutional investors, available free on iOS and Android.

Core Features & Capabilities

Quartr AI Chat provides specialized features focused on financial-specific IR material analysis and source verification optimized for investment research workflows.

Natural Language Query Interface: Ask questions in conversational English like “What is Apple’s R&D spending for the last three years?” or “How did margins change in the latest quarter?” rather than requiring specialized search syntax or database query knowledge. The system understands financial terminology, metrics, and multi-year comparisons intuitively without requiring complex Boolean operators.

Global Coverage of First-Party IR Materials: Exclusive access to verified investor relations content from 13,000+ public companies across 27 global markets including earnings call transcripts, 10-K/10-Q filings, annual and quarterly reports, press releases, slide presentations (high-resolution PDFs), capital markets day materials, investor conference presentations, and other official company communications. No media summaries, no third-party interpretation—only first-party company-generated materials sourced directly from companies.

Source Traceability and Verification: Every answer is backed by specific quotes or data from identified source documents with timestamps (for transcripts) or page numbers (for PDFs). Single-click access to original source documents enables immediate verification of claims, opening the exact slide or transcript passage within the same user interface. This differentiates Quartr significantly from general-purpose LLMs that often confabulate sources or provide unsourced assertions.

Real-Time and Historical Coverage: Access to live earnings calls with real-time transcript generation (close to zero delay), complete historical archives dating back to 2010 for earnings calls and transcripts, and rapid indexing of newly published materials within approximately 1 hour of earnings announcements according to company documentation.

Finance-Specific Language Model: AI trained specifically on financial terminology using 500,000+ earnings Q&A transcripts and financial documents to understand corporate speak, metrics interpretation, and domain-specific context. The system understands nuances like different revenue recognition approaches, one-time charges, adjusted vs. GAAP figures, and industry-specific language that general chatbots frequently misinterpret.

Cross-Document Analysis: Query across multiple document types simultaneously—compare R&D spending between earnings call commentary, slide presentations, and 10-K filings in single query without requiring manual cross-referencing or opening multiple documents.

Mobile-First Optimization: Responsive design specifically optimized for smartphone and tablet use through iOS and Android native apps, enabling research on-the-go without desktop requirement while maintaining readability and functionality.

Cross-Platform Session Sync: Seamless synchronization between Quartr mobile app and Quartr Pro desktop platform. Conversations, queries, and research sessions sync automatically, enabling continuation of research across devices without losing context or progress.

Free Mobile Access: Complete access to AI Chat functionality on mobile app at no cost—same core AI Chat capabilities available to free users as premium subscribers, though premium Quartr Pro desktop offers additional advanced analysis features, visualization tools, and workflow management.

Offline Content Support: Downloaded content remains accessible offline. While live queries require internet connectivity, previously accessed materials and transcripts can be reviewed without connectivity during flights or commutes.

Visualization and Analysis Tools: Build models, charts, and tables directly from query results. Visualize trends in financial metrics, segment data, and KPIs across multiple quarters or years without manual data entry.

Keyword Alerts and Monitoring: Set keyword alerts for any company, product, or competitor. Get notified the moment specific terms are mentioned, regardless of which company is discussing them.

Accuracy Benchmarks: Platform reportedly achieves 98.6% accuracy in answer relevancy benchmarks according to third-party analysis, though independent verification of this metric would be valuable for complete assessment.

How It Works: The Workflow Process

Quartr AI Chat operates through a streamlined workflow combining natural language input, IR material search, and source-verified output optimized for financial research velocity.

Step 1 – Launch and Ask Question: Open Quartr mobile app (iOS or Android) and tap the AI Chat tab accessible from navigation. Type question in natural English using conversational language—no special prompts, Boolean operators, or technical query syntax required.

Step 2 – Natural Language Processing: The system interprets the question using finance-trained language models built on 500,000+ earnings transcripts to understand intent, identify relevant metrics or concepts, and determine appropriate companies and document types to search.

Step 3 – Search First-Party Materials: Query engine searches indexed investor relations database (transcripts from earnings calls and investor conferences, filings including 10-Ks and 10-Qs, slide presentations in high-resolution PDF format) for relevant information. Unlike general LLMs that generate plausible-sounding answers through text prediction, this engine retrieves specific passages from actual documents in Quartr’s verified database.

Step 4 – Source Verification: Results extracted from identified source documents with exact references (transcript timestamps showing precise moment in call, PDF page numbers for filings and slides) attached to each finding. The system preserves source attribution throughout to enable verification and maintain research integrity.

Step 5 – Present Results with Traceability: Answers display with verbatim quotes from sources when available, source document identification (e.g., “Apple Q4 2025 Earnings Call Transcript” or “Microsoft FY2025 10-K, page 47”), specific timestamps or page numbers for precise navigation, and clickable links to open exact page/timestamp in original source document within the same interface.

Step 6 – Follow-up Questions: Users can ask follow-up questions, request related information, drill deeper into specific topics, or visualize trends without context loss. The system maintains conversation history and query context throughout the session.

Step 7 – Export and Share: Copy extracted data into other tools (Excel, Google Sheets, note-taking apps, research management platforms), or share specific findings with source attribution included for team collaboration.

Ideal Use Cases

Quartr AI Chat serves diverse scenarios across investor research, corporate analysis, and financial decision-making where source verification and speed matter.

Quick Due Diligence: Before investment committee meetings or acquisition discussions, rapidly extract key metrics, strategic priorities, and management commentary without hours of document review across multiple PDFs and transcripts.

Earnings Call Analysis: Find specific guidance, forward-looking statements, management tone shifts, or Q&A commentary immediately without transcribing or manually reviewing call recordings or scanning through 50-page transcripts.

Competitive Intelligence: Compare R&D spending, headcount growth, geographic revenue mix, margin trends, or strategic commentary across competitors’ IR materials systematically across multiple years without manually collecting and organizing data.

Sell-Side Equity Research: Cite verified first-party information when writing analyst reports, with full source traceability avoiding citation ambiguity or reliance on third-party interpretation that could introduce bias.

Investor Relations Monitoring: IR professionals track external market commentary about their companies, benchmark peer presentations and messaging strategies, and verify public information accuracy across competitor disclosures.

Portfolio Management: Asset managers monitor portfolio company strategy shifts, earnings trends, management changes, or capital allocation decisions by querying holdings’ IR materials systematically without manual research team workflows.

Student and Academic Research: Finance students access verified public company information for case studies, research papers, and project analysis with authoritative sourcing meeting academic citation standards.

On-Demand Market Intelligence: Traveling or away-from-desk researchers conduct full financial research from mobile devices without requiring desktop access or waiting for office hours.

Strengths and Strategic Advantages

Mobile-Optimized Accessibility: Full research capability on smartphones and tablets through native iOS and Android apps, enabling productivity anywhere without desktop requirement. Critical for professionals constantly traveling between meetings, commuting, or working remotely.

Natural Language Eliminates Technical Barriers: Conversational queries make financial research accessible to anyone without database expertise, SQL knowledge, or complex search syntax requirements typical of traditional financial platforms.

First-Party Source Verification: Exclusive reliance on verified IR materials eliminates speculation, media interpretation, or conflated sources common in general AI chatbots. Every finding is traceable and verifiable through clickable source links with timestamps and page numbers.

Finance-Specific Optimization: Language models trained on 500,000+ earnings transcripts deliver accurate results for industry-specific concepts, financial terminology, and corporate language that general AI chatbots frequently misinterpret or misunderstand.

Global Company Coverage: 13,000+ company coverage across 27 global markets provides comprehensive access to major global corporations across sectors, geographies, and market capitalizations.

Instant Information Retrieval: Transforms hours of manual document review into seconds of AI-assisted research, dramatically accelerating research velocity and enabling faster investment decisions.

Free Tier Access: No cost for core AI Chat functionality on mobile app without credit card requirement. Premium features on Quartr Pro remain optional, democratizing access to institutional-quality research capability.

Historical Depth: Access to archives dating back 2010 enables multi-year trend analysis, narrative evolution tracking, and longitudinal strategic assessment across business cycles.

Real-Time Coverage: Live earnings call coverage with near-zero delay transcription enables participation in events as they unfold without waiting for official transcript publication.

Cross-Platform Continuity: Seamless sync between mobile and desktop maintains research context and productivity regardless of device, enabling flexible work patterns and continuity.

Limitations and Realistic Considerations

Limited to Public Company Data: Unsuitable for private company research, private equity analysis, or market data beyond publicly available IR materials. No proprietary/non-public information, alternative data sources, or private market intelligence.

Source Material Dependency: Answer quality depends entirely on comprehensiveness of indexed IR materials. Private company data, leaked documents, non-standard formats, or materials not published through official IR channels not captured in database.

Pricing Ambiguity for Premium: While mobile app is free, specific pricing for Quartr Pro premium features and API access not transparently published on public website. Enterprise arrangements require sales contact for custom pricing discussions.

Mobile-First May Limit Complex Analysis: While researching on mobile is efficient for quick queries, in-depth analysis requiring charting, data visualization, or complex financial modeling is better suited to desktop Quartr Pro platform. Mobile-first design trades some analytical depth for convenience and accessibility.

Latency in Content Indexing: While Quartr claims rapid updates (approximately 1 hour post-earnings according to documentation), real-time analysis during fast-moving events (earnings surprises, guidance cuts, breaking news) may experience slight lag between publication and indexing.

Language Support Limited to English: Language support appears limited to English materials and queries. Non-English-speaking users unable to query or conduct research in native languages, limiting utility for non-English markets.

Data Accuracy Dependent on Sources: While Quartr curates verified sources from official company publications, data accuracy depends on company disclosure accuracy. Deliberately misleading information in official materials remains misleading in query results.

No Real-Time Market Data: Platform focuses exclusively on IR materials without real-time pricing data, technical analysis charts, or broader market context that dedicated financial terminals provide for complete investment analysis.

API Pricing Opacity: While Quartr API exists for third-party integration with partners including TradingView, Toss Securities, Perplexity, Lightyear, Fortune, Stocktwits, and Fintool, specific pricing, rate limits, feature tiers, and implementation costs not publicly documented, requiring sales discussions.

Accuracy Metric Verification: While 98.6% answer relevancy benchmark reported, independent verification of this accuracy claim would strengthen credibility. Source of benchmark testing not clearly disclosed.

Competitive Positioning and Strategic Comparisons

Quartr AI Chat occupies a specialized niche combining financial focus with source verification—distinctly different from both general-purpose enterprise research platforms and broader AI chatbots.

vs. Bloomberg Terminal and FactSet: Traditional financial platforms offer vastly broader capabilities including real-time pricing data across all asset classes, technical analysis and charting tools, customizable dashboards, proprietary research from sell-side analysts, and comprehensive market data beyond IR materials at significantly higher cost. Bloomberg Terminal pricing reached $31,980 annually for single-terminal users in 2025 after a 6.5% increase, or $28,320 for multi-terminal subscriptions. FactSet estimated at $25,000+/year with 200,000+ users covering 8,000+ companies. These platforms target institutional professionals requiring comprehensive market data ecosystems beyond IR materials. Quartr focuses narrowly on IR material analysis with source traceability at lower cost (free mobile tier) and broader accessibility beyond institutional users. Different target users and price points rather than direct competition—Bloomberg/FactSet for comprehensive market infrastructure, Quartr for specialized IR research.

vs. Capital IQ (S&P Global): Capital IQ provides company data, M&A intelligence, market analysis, and comprehensive financial data across proprietary and public data sources. Similar to Bloomberg and FactSet, targets institutional investors with comprehensive workflows spanning deal sourcing, financial analysis, and portfolio management. Quartr focuses narrowly on IR material querying and source-based conversational research. Capital IQ offers breadth across financial workflows; Quartr offers depth in specific IR analysis with AI-powered natural language interface.

vs. Manual Document Search: Quartr dramatically reduces time spent manually finding data points in PDFs and transcripts—transforming hours-long research processes into seconds-long queries. Cost-benefit highly favorable for frequent financial researchers regardless of other tool choices. Complements rather than replaces comprehensive platforms.

vs. General-Purpose AI (ChatGPT, Claude for Finance): While powerful for exploratory analysis and general reasoning, general LLMs often confabulate sources, conflate companies, include media interpretation rather than company statements, or provide unsourced assertions. Quartr’s exclusive reliance on verified first-party materials, clickable source traceability with timestamps and page numbers, and finance-specific optimization trained on 500,000+ earnings transcripts provide fundamentally different value proposition. General AI suits exploratory questions and hypothesis generation; Quartr suits source-verified fact-finding and citation-quality research.

vs. AlphaSense: AlphaSense provides AI-powered search across corporate communications, news, broker research, expert call transcripts (including Tegus integration), and internal enterprise documents with over 500 million premium documents in content universe. Broader scope including Wall Street research, news aggregation, and expert insights launched AI Marketplace integration in July 2025 with Generative Search, Generative Grid, and Deep Research features. Similar positioning to Quartr with focus on market intelligence but different coverage breadth/depth trade-offs. AlphaSense excels at cross-source synthesis including third-party research; Quartr excels at first-party IR material analysis with strict source attribution.

vs. Sentieo: Sentieo focuses on research workflow management, document organization, and collaborative research processes. Complementary to Quartr rather than directly competitive—Sentieo helps organize research workflows and annotations; Quartr helps find specific answers from IR materials through conversational interface.

Key Differentiators: Quartr AI Chat’s core differentiators lie in exclusive first-party source verification with clickable traceability to exact timestamps and page numbers, purpose-built finance language models trained on 500,000+ earnings call transcripts, mobile-first design enabling on-the-go research through native iOS and Android apps, free mobile tier democratizing access to institutional-quality research capability without subscription barriers, focus specifically on IR materials rather than broader market data or third-party research, real-time live earnings call coverage with near-zero delay transcription, and 15+ years of historical data back to 2010. While competitors excel at specific dimensions (Bloomberg/FactSet at comprehensive market infrastructure, AlphaSense at cross-source synthesis including expert insights, general AI at exploratory reasoning), Quartr focuses on conversational IR research with rigorous source verification.

Pricing and Access

Quartr operates on freemium model with distinct tiers for different user needs optimized for individual investors through institutional clients.

Free Quartr Mobile App: Complete AI Chat functionality available free on iOS and Android with no credit card required, including access to live earnings calls with real-time transcription, earnings call transcripts dating back to 2010, analyst estimates and financial data, filings and reports across 13,000+ companies, and all first-party IR materials. Basic AI Chat queries unlimited without per-query charges or monthly usage limitations documented.

Premium Quartr Pro (Desktop): Subscription-based desktop platform with advanced features including custom dataset exports for analysis, API access for integration, advanced visualization and charting tools, team collaboration features, and workflow management capabilities. Specific pricing requires contacting sales team for custom quotes—not transparently published on public website.

Enterprise and API Tiers: Custom pricing for enterprises, financial institutions, and API integration projects with partners including TradingView, Toss Securities, Perplexity, Lightyear, Fortune, Stocktwits, and Fintool. July 2025 funding round enabled expansion of enterprise go-to-market capabilities and sales infrastructure.

No Per-Query Charges: Pricing model not consumption-based for free tier—users can ask unlimited questions through mobile app without per-query fees or monthly limitations documented.

Cross-Platform Sync: Free mobile tier syncs with Quartr Pro desktop for users with desktop subscriptions, maintaining research continuity across devices.

Technical Architecture and Platform Details

Dual-Platform Architecture: Mobile app (iOS/Android native applications) with AI Chat, synchronized with Quartr Pro desktop platform for institutional users. Separate product positioning but unified backend database and search infrastructure serving both mobile and desktop.

Database Coverage: 13,000+ public companies across 27 global markets with 15+ years of historical materials (back to 2010 for earnings calls and transcripts). Covers major exchanges globally including NYSE, Nasdaq, LSE, and others with updates within approximately 1 hour of earnings announcements.

Search Technology: Proprietary search algorithms indexing transcripts, documents, and slide content with semantic understanding rather than simple keyword matching. Natural language processing trained specifically for financial terminology and corporate language patterns.

Finance-Specific Models: Language models trained on 500,000+ earnings Q&A transcripts and financial documents specifically to understand sector terminology, corporate speak, and numerical context unique to financial reporting.

Accuracy Benchmarks: Reported 98.6% accuracy in answer relevancy benchmarks according to third-party analysis, though independent verification would strengthen credibility of this claim.

Mobile Optimization: Native iOS and Android apps with responsive design ensuring full functionality on mobile while maintaining readability, speed, and usability for research workflows.

API Availability: Quartr API provides programmatic access to live earnings calls, transcripts, filings, and slide presentations for third-party integration with platforms including TradingView, Toss Securities, Perplexity, Lightyear, Fortune, Stocktwits, and AI-powered research tools like Fintool.

Company Background and Funding

Quartr was founded in 2020 by Sami Osman, Oscar Küntzel (CEO), David Dag, Oliver Hamrin, and August Nordström, based in Stockholm, Sweden with US headquarters in New York and additional office in Dublin. Company raised $10 million Series A in July 2025 from existing investors Altos Ventures (Silicon Valley venture capital firm that invested in Roblox and Coupang), Yanno Capital, and Öhman, following earlier $6 million funding from Altos Ventures in October 2024.

The company built Quartr Pro (desktop platform) first, used daily by hedge funds, asset managers, equity research teams, and IR professionals. July 2025 funding enabled 3x ARR growth year-over-year with clients now including 3 of the world’s 5 largest hedge funds by AUM and 2 of the Magnificent 7 tech companies as API partners. The October 28, 2025 AI Chat launch on mobile represents platform expansion beyond institutional professionals to broader audiences including individual investors, students, and finance enthusiasts.

Quartr was recognized as one of Fast Company’s Most Innovative Companies in personal finance in 2024. Customer testimonials include Tom O’Hara (Investment Director, GAM Investments) noting productivity boosts from instant access to disclosures, Pontus Dackmo (CEO & Investment Manager, Protean Funds Scandinavia) describing it as one of the best tools in two decades of finance experience, and Johan Öberg (Managing Director and Senior Partner, BCG) highlighting efficiency gains and team productivity improvements.

Launch Reception and Market Position

Quartr mobile AI Chat launch on October 28, 2025 generated significant attention in fintech and financial research communities. Recognition emphasized source verification with clickable traceability, mobile accessibility through native apps, and purpose-built finance optimization as differentiators from general-purpose AI tools like ChatGPT that often confabulate financial sources.

Institutional adoption of Quartr Pro provides user base validation and helps establish reputation for reliability in financial professional communities. The platform addresses growing recognition that financial research requires rigorous source attribution that general AI tools cannot provide, particularly for investment decisions requiring regulatory compliance and fiduciary responsibility.

Important Caveats and Realistic Assessment

Free Tier Sustainability: Business model for free mobile tier unclear—reliance on premium Quartr Pro subscriptions and enterprise API revenue to support free users. Free tier availability may change with business model evolution or cost pressures.

Coverage Completeness: 13,000 companies covers major public companies but misses smaller cap and emerging companies. Coverage level for non-US markets unclear from public documentation—27 markets covered but depth per market not specified.

Real-Time Limitations: While Quartr indexes materials quickly (approximately 1 hour post-earnings according to documentation), during high-volume earnings seasons or market events with dozens of simultaneous announcements, slight indexing delays possible creating research gaps.

Language Support: English-only interface and materials may limit utility for non-English-speaking researchers or comprehensive analysis of non-US markets with local-language disclosures.

Source Dependency: Platform effectiveness depends on company disclosure quality and completeness. Deliberately misleading information in official filings propagates through system. Companies providing minimal disclosure or vague commentary limit research value.

No Pricing Data Integration: While querying IR materials effectively, lacks access to real-time pricing data, technical analysis tools, or broader market context that dedicated financial terminals provide for complete investment analysis.

API Pricing Opacity: While Quartr API exists for third-party integration, specific pricing, rate limits, feature tiers, and implementation costs not publicly documented, requiring sales discussions.

Accuracy Metric Verification: While 98.6% answer relevancy benchmark reported, independent verification of this accuracy claim would strengthen credibility. Source of benchmark testing not clearly disclosed.

Final Assessment

Quartr AI Chat addresses a genuine and persistent need in financial research: reducing time spent manually extracting data from fragmented IR materials while maintaining rigorous source verification that general-purpose AI lacks through clickable traceability to original documents. The combination of natural language interface optimized for financial queries, global IR coverage across 13,000+ companies, finance-specific optimization through training on 500,000+ earnings transcripts, and clickable source traceability with timestamps and page numbers differentiates it substantially from both traditional financial data platforms and general AI assistants.

The platform’s greatest strategic strengths lie in mobile-first accessibility enabling research anywhere through native iOS and Android apps, exclusive reliance on verified first-party sources eliminating media interpretation and speculation, finance-specific language models trained on earnings call domain understanding corporate speak and financial terminology, source traceability enabling verification and citation for regulatory compliance, global 13,000+ company coverage across 27 markets, free tier democratizing access to institutional-quality research capability, real-time live earnings call coverage with near-zero delay transcription, historical depth dating back to 2010 for trend analysis, and cross-platform sync maintaining research continuity across devices.

However, prospective users should approach with realistic expectations about scope and complementarity to comprehensive financial platforms. Quartr excels at answering specific questions about public company strategies, financial metrics, and management commentary based on official disclosures. It does not replace comprehensive financial platforms providing real-time pricing, technical analysis, proprietary research, or data extending beyond IR materials. Different tools serve different research needs—Bloomberg/FactSet for comprehensive market infrastructure, AlphaSense for cross-source synthesis including expert insights, Quartr for conversational IR research with source verification.

Quartr AI Chat appears optimally positioned for equity researchers seeking source-verified IR analysis for investment reports requiring citation, investment professionals analyzing public companies for buy/sell decisions with fiduciary responsibility, IR teams tracking competitor messaging and market intelligence across peer disclosures, finance students accessing verified company data for academic research requiring authoritative sourcing, individual investors conducting thorough due diligence on holdings or prospective investments, and professionals requiring mobile research capability while traveling or away from desktop.

It may be less suitable for traders requiring real-time pricing and technical data for intraday decisions, portfolio managers needing comprehensive market analysis beyond IR materials including alternative data, private equity professionals analyzing private companies without public disclosures, researchers requiring non-English language support for global markets, users preferring traditional financial terminals despite higher costs for comprehensive workflows, or those requiring proprietary research and expert insights beyond first-party company materials.

For financial professionals valuing source verification, mobile accessibility, and specialized finance optimization for investor relations research, Quartr AI Chat represents a compelling, accessible option that meaningfully improves research velocity compared to manual document review while providing confidence through source traceability meeting regulatory and fiduciary standards. The free mobile tier democratizes institutional-quality research capability previously accessible only to hedge funds and asset managers with expensive subscriptions, potentially transforming retail investor research quality and decision-making access.