Diligence memo · auto-generated · as of July 2, 2026
Palos IOU Inc.
Palos IOU Inc. looks under-valued against its niche peers and is quiet on financing cadence.
Businessfiled
Palos IOU Inc. operates in Other, based in MONTREAL.
Sector still resolves to a broad 'Other' bucket, so operating comparables below are weaker than for a tightly-classified peer.
No verified homepage on file yet — operating evidence is limited to the public record.
Capital & rounds (filed)filed
Palos IOU Inc. has raised $314K in disclosed capital across 2 recorded rounds, aggregated from public filings. Its latest round is modeled as Pre-Seed (a round under $1.0M).
Largest single filing: $182K on 2024-08-27.
Most recent recorded round closed around 2024-08-27.
Valuation (modeled)modeled
Provath models Palos IOU Inc. at approximately $681K (range $121K–$2.2M). This is an algorithmic estimate from round sizes and same-niche peers — not a quoted or reported figure.
Read: Under-valued. Modeled value is 0.34× the median modeled value of Pre-Seed Other companies in 2022–2024 (1723 peers) — value vs value, same stage and era.
Financing rhythm & timingmixed
Historic cadence: a new round about every 9 months.
Last raise 22 mo ago; this sector typically re-raises about every 11 months.
Slightly overdue versus sector cadence.
The last round stepped up 1.4× from the prior — scaling.
Comparablesmixed
Capital scale ranks ahead of 16% of Other peers (25015 compared).
Modeled value ranks above 4% of those peers.
Closest niche peers: El American Inc., AEA Hope, LLC, Joy Milk Tea Inc., Manage Mindfully, Inc., ValiDateMe LLC.
Peoplefiled
1 named person on file across officers, directors and signatories.
Risks & flagsmixed
Broad sector classification weakens peer comparison.
No clearly named CEO/founder/principal in the surfaced records — key-person evidence is thin.