ROIC.ai

What it is

ROIC.ai sells standardised fundamentals through an API and gives away the terminal that reads them. The paid product is api.roic.ai — annual and quarterly statements, ratios in five precomputed groups (profitability, credit and debt, liquidity, working capital, yield), valuation as enterprise value, multiples and per-share figures, earnings calendars with consensus against actuals, full call transcripts, daily prices, splits, forex, company profiles and fiscal-year headcount lifted from SEC filings. The free product is roic.ai/quote/{ticker}, which renders the same data as a fifteen-year-wide table with charts, plus a global screener that needs no account.

The name is the thesis — the About page says return on invested capital is the cornerstone measure — but nothing here produces the judgement for you. There is no fair-value estimate, no star rating and no pick list; the output is statements, ratios and multiples.

Pricing

Four plans, of which two have a number. Free is 5 requests a minute and 2 years of history. Individual is $29 a month for 300 requests a minute, 5 years and 20 quarters. Professional is $89 for unlimited requests and the full 40-plus years. Annual billing gives two months free on either, so $290 and $890 a year; the prices shown on the page are the month-to-month rates.

What the plans gate is history depth and request rate, not endpoints — with three exceptions. Quarterly financials start at Individual, and the earnings calendar and bulk downloads start at Professional. Everything else is on every plan including Free. The API overview's own FAQ disagrees with the pricing table on that middle one, putting the earnings calendar at Individual; the comparison table is the one with the licence terms next to it, so that is the one used here.

Enterprise is the one that matters for anyone building something. It is quoted, and it is where commercial use of the API lives.

Data & coverage

68,000-plus symbols across 70-plus exchanges, 40-plus years of statements and 17-plus years of call transcripts, updated daily. Forex covers over 4,000 pairs. How deep the quarterly history goes depends which page you read: the homepage counters say 120-plus quarters per company, the pricing table says 160-plus on Professional, and 40 years is 160 quarters.

Tickers carry CIK, CUSIP, ISIN and both composite and share-class FIGI, which is more identifier coverage than most vendors at this price hand over.

Prices are end-of-day only, unadjusted unless you pass an adjustment parameter, and the docs are unusually honest about it — the latest-price endpoint returns the most recent daily record and can still change while the session is open, so read the date field rather than treating it as a quote.

The vendor names no upstream data source anywhere public — not on the pricing page, the API overview or the About page. Where the standardised statements for a Tokyo or Toronto listing come from is unanswered, and worth asking before a non-US model depends on it.

Integrations

A remote MCP server at mcp.roic.ai/mcp with OAuth sign-in, documented for ChatGPT, Claude, Cursor, VS Code Copilot and Codex, available on every plan under the same rate and history caps as the REST API. A Google Sheets add-on takes your API key and drops statement tables or single-metric formulas into a sheet — the vendor's page for it sits at /excel-add-in, but the install link is the Workspace marketplace and there is no Excel build. Bulk CSV files of unadjusted daily prices download outside the API and do not spend requests.

There is no SDK. Statement tables on the website export to Excel and TSV and carry a one-click hand-off into ChatGPT.

Limitations

• Commercial use is Enterprise-only and Enterprise is unpriced. The $29 and $89 plans are for your own research, and anything customer-facing is a sales conversation with no published anchor.
• No real-time or intraday prices at any tier, and no options, futures or crypto.
• The free API tier is a demo — 5 requests a minute and 2 years of history will not backfill anything.
• No first-party client library in any language, so retries, pagination and rate-limit handling are yours to write.
• No data lineage. A fundamentals vendor that will not say whose statements it standardises is asking for more trust than one that names its provider.

Alternatives

Financial Modeling Prep and Finnhub are the direct comparisons at this price, and the vendor's own blog argues against both by name. Alpha Vantage is thinner on fundamentals; Massive is what to buy if you need ticks rather than daily bars; SimFin ships US fundamentals as bulk CSV instead of REST calls. If you only wanted to read the numbers in a browser, Stock Analysis does that free and TIKR does it with Capital IQ data behind it.