Industries / Finance

Three analysts per memo. Same conviction, less time.

Drop in the model, the filings, or the deck. Three reads, the disagreements on the page, and a recommendation you can defend in IC.

Is the proposed LBO structure on TargetCo accretive at year 3 if rates stay above 5.5%?
ClaudeAnthropic

Marginally accretive, but only if you assume EBITDA growth above 11%. The current management plan calls for 8%. Without growth above plan, year-3 IRR drops below your hurdle.

GPTOpenAI

Accretive if you refinance the second lien at year 2. Without that, debt service eats the upside and the deal is a coupon clipper at best.

GeminiGoogle

Comparable transactions in the last 6 months priced 0.7x lower. The structure is fine; the entry multiple is the issue. Re-cut at 9.5x and the question goes away.

Maya verdict
Mixed

Deal works at the right entry. At 10.2x with management's 8% growth plan, IRR is below hurdle if rates stay above 5.5%. Re-negotiate to 9.5x or condition the deal on the year-2 refinance and accept the execution risk.

What changes for you

Three independent reads

Avoid groupthink. The model that disagrees usually catches the assumption that breaks the thesis.

Numbers and narrative

One model crunches, one writes the memo, one fact-checks the comps. The synthesis is the IC-ready version.

Workspace memory

Deal context, prior memos, and the comp set carry across rooms.

Which mind to ask

Each model leans differently. Maya keeps the differences visible.

Claude
Anthropic

Best for memo writing, careful narrative around numbers, and IC-quality prose.

GPT
OpenAI

Best for the model itself, sensitivity tables, and structured financial reasoning.

Gemini
Google

Best for current market data, comparable transactions, and quick fact-checks against filings.

Where teams reach for it

    IC memos and credit memos
    Diligence on a target or co-investment
    Model sanity checks before you present
    Quarterly portfolio reviews
    Fast first reads on inbound deals
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