In this Fiscal.ai review, I see a strong choice for investors who build their own company analysis and want company-specific KPIs, source links back to filings, valuation templates, and AI integrations in their research process. The appeal is the connection between understanding a business, checking the numbers, and deciding what you are willing to pay for it. Fiscal.ai brings financial statements, operating data, estimates, and company materials together to support that work. The main tradeoffs are straightforward: financial-data exports require Max, quotes are delayed, and MCP/API access costs extra.
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This review evaluates published product documentation, pricing, and tradeoffs as of October 1, 2026. I put the most weight on data coverage, traceability, and the cost of the tools needed for a repeatable research process. Historical announcements below carry their original dates.
What is Fiscal.ai?
Fiscal.ai offers a web-based research Terminal, MCP connectors, and a data-feed API. The Terminal is the focus of this review. It includes financial statements, ratios, estimates, guidance, filings, transcripts, and company operating metrics. The attraction is having those pieces together when evaluating a business, with a way to move from an overview to the details behind the investment case.
Fiscal.ai announced the rebrand from FinChat on June 17, 2025. That announcement says FinChat launched in 2023. If you are looking for a FinChat review, that is the connection. The announcement named Braden Dennis as cofounder and CEO. It also announced a US$10 million Series A led by Portage, with continued support from Social Leverage. I would base a subscription decision on useful data and workflow rather than the size of a funding round.
| Primary product reviewed | Web-based research Terminal |
|---|---|
| Terminal coverage | Fiscal.ai says 100,000+ public companies, ETFs, and funds globally |
| Monthly billing | Pro: $49/month; Max: $99/month |
| Yearly billing | Pro: $468/year, advertised as $39/month billed yearly; Max: $948/year, advertised as $79/month billed yearly |
| Trial | 7 days, card required, converts to paid unless canceled before expiry |
| Discount code | RYAN15: 15% off all payments within your first 11 months; enter at checkout |
| MCP/API | Separate subscriptions; self-serve annual-only and non-refundable |
Who should consider Fiscal.ai?
Fiscal.ai makes the most sense for self-directed investors who regularly compare businesses, review earnings, and build valuation assumptions. Its financial statements, Segments & KPIs, and financial-modeling templates fit that process well. I put more value on a platform that supports recurring research than on one that simply offers a long feature list.
The strongest candidates are investors who need operating detail beyond headline earnings, follow several companies through reporting season, or want to trace key inputs back to filings. Segments & KPIs, source links, and the Earnings Calendar address those needs. I also like the fit for investors who want to develop their own thesis and revisit it as new results arrive.
I would look elsewhere first if you only check a few ratios occasionally or mainly want published investment opinions. Koyfin offers free market and macro dashboards, and Seeking Alpha Premium emphasizes published analysis and ratings. For time-sensitive trading, Fiscal.ai’s quotes are 15-minute delayed for its own-data companies and end-of-day for other geographies. A spreadsheet-centered process also deserves attention: Fiscal.ai says it currently has no Excel add-in.
Fiscal.ai features
When I evaluate a research platform, I look for a clear path from a company question to a useful conclusion. Fiscal.ai’s features fit that sequence: organize the companies, inspect the financials, follow the sources, and work through valuation.
Dashboard and portfolio views
Fiscal.ai’s getting-started guide describes a dashboard with customizable tickers and metrics, plus news, earnings-release, and filing notifications. Entering share holdings produces portfolio allocations, industry and geographic breakdowns, and weighted-average statistics. That gives investors a way to organize company research around the positions they actually hold.
I like a dashboard built around investment questions: which companies need attention, which results could change a thesis, and where the portfolio is concentrated. The combination of company metrics and portfolio views makes this a useful starting point for a research session. My preference is a focused set of inputs that I can interpret consistently, rather than a crowded screen of numbers.
Company pages and Financials
Fiscal.ai’s guide describes company pages with company statistics, a business description, bull and bear views, recent news, and an adjustable price chart. Financials brings together income statements, balance sheets, cash flows, and derived ratios. This is the center of the company-research workflow: start with the business, then inspect the financial results supporting the thesis.
For me, the useful question is whether growth, profitability, and cash generation tell a consistent story. I want the financial statements close enough together to follow that story without losing sight of the business. Fiscal.ai’s combination of an overview and detailed financials is a sensible design for investors who want to draw their own conclusions.
Segments & KPIs
Segments & KPIs is one of the most compelling reasons to consider Fiscal.ai. The feature sits inside the company page’s Financials tab. Fiscal.ai says coverage extends to 2,500+ companies. Pro includes 10 years / 15 quarters of history. Max provides the full available history.
I put substantial weight on operating detail because I want to explain what drives a company’s results. A segment breakdown or a relevant business measure can become the starting point for that analysis. The value is in connecting the operating story with the financial statements, then using that connection to judge the assumptions behind a valuation. This is a good feature to check against the companies you follow during the trial.
Source-to-filing auditability
Fiscal.ai says every figure has click-through links to its source, provided as images, PDFs, and URLs. This is a meaningful strength. I place a high value on being able to move from a number on the screen to the filing behind it, especially for an input that could change my valuation.
The source link gives you something concrete to examine: the period, units, and definition behind the figure. That makes it easier to understand why an input belongs in your analysis. During the trial, follow a few important figures back to their filings and confirm source-link access on the plan you intend to buy.
Charting and company comparison
Fiscal.ai’s guide describes bar and line charts for fundamental comparisons between companies, and the Terminal supports chart-image exports. I like that combination for examining a peer group and explaining the comparison in research notes or a presentation.
I want a comparison chart to help explain how a business performs relative to its peers. Compare similar companies over a consistent period, then use the financials to investigate the pattern that stands out. The chart is most valuable when it directs attention to the next piece of analysis.
Stock screener
Fiscal.ai’s guide describes screening across roughly 200 metrics (an older figure; the current count may differ). The screener is a way to turn an investment idea into a manageable list of companies for further research.
I judge a screener by whether it helps express a clear investment criterion and produces results worth investigating. A long list of filters has less value to me than a few fields I understand and can use repeatedly. The useful workflow is to narrow the universe, examine the resulting businesses, and decide which ones deserve a full company analysis.
Financial modeling: DCF, IRR, Reverse DCF, and Comparables
Fiscal.ai’s July 29, 2026 changelog announced a revamped financial-modeling tab on company pages, with preloaded DCF, IRR, Reverse DCF, and Comparables templates. This is another feature that makes the Terminal worth considering for valuation work.
I like having valuation templates close to the underlying company data. It keeps the emphasis on the inputs that matter to the investment case. My standard is a model whose assumptions I can explain and challenge: work through several reasonable scenarios, identify what changes the conclusion, and decide which case you can defend. The templates offer a practical starting point for that process.
For a separate calculation reference, see my DCF calculator and IRR calculator. They can provide a useful starting point for your own valuation work before assessing a paid platform.
Earnings Calendar
The July 1, 2026 release describes Earnings Calendar v2 with Agenda, Day, Week, Month, and Heatmap views, faceted search, event details, and persistent watchlists. The July 29 changelog added Earnings Calendar exports for Max clients.
The range of views is useful for organizing reporting season around your watchlist. I want to see which companies are reporting soon and where I need to make time for the results. A calendar that connects the schedule with event details fits naturally into that process, especially when several holdings report in the same week.
Fund Letters
Fiscal.ai’s September 11, 2026 changelog said Fund Letters held approximately 30,000 letters. It also said the collection updated twice daily. Fiscal.ai says the collection aggregates letters from 750+ prominent investors.
I like Fund Letters as a source of competing explanations of a business or investment theme. Read an argument, compare it with the company data, and decide which assumptions deserve further work. Having those viewpoints alongside the financials makes the collection a useful complement to the numbers. My preference is to use it to sharpen my questions and develop an independent thesis.
Institutional ownership and insider transactions
Fiscal.ai includes institutional ownership and insider transactions. Its July 1, 2026 changelog introduced redesigned Insiders, Trades, Holders, and Analysis pages. These add context to a company research file and provide another angle for examining who holds an interest in the business.
My decision still rests on the business and valuation. An ownership record can prompt a useful question, but I want to understand the transaction and its date before giving it weight in a thesis.
Estimates and guidance
Fiscal.ai includes estimates and company guidance. These give investors a starting point for examining the expectations behind a research case. I want to understand what the forecast assumes and how it compares with my own view of the business.
I want management’s outlook, analyst estimates, and my own assumptions side by side. That helps identify where a thesis differs and what would need to happen for it to work. Estimates and guidance organize that forward-looking part of company analysis.
Transcripts, filings, and investor relations
Fiscal.ai includes filings, earnings transcripts, investor-relations slides, and event-tagged news within the Terminal. Having these materials close to the financials is useful when you want to understand the explanation behind a set of results.
I like to connect a reported change with management’s comments and the supporting company materials. That gives the research a clearer chain: what happened, how management explains it, and what it means for the assumptions in my valuation. A platform that brings those materials together supports a more complete company analysis.
Brokerage connections
Fiscal.ai offers a Connect Brokerage button for linking brokerage accounts. In a blog post available October 1, 2026, Fiscal.ai said clients had connected a combined $1 billion in equity holdings to Terminal dashboards. You can also enter share holdings manually.
The attraction is keeping portfolio context close to the company research: which positions deserve attention and how they fit together. Before linking an account, confirm your broker’s availability and the connection permissions. Manual entry provides another way to organize the holdings view if that better fits your preferences.
AI features and their limits
Fiscal.ai’s AI features center on connecting financial data with other tools. Fiscal.ai says its MCP product has native connections for Claude and ChatGPT/Codex, plus custom MCP clients. The attraction is being able to bring company data into the AI-assisted research process you prefer.
Fiscal.ai says it is a financial data partner within ChatGPT for Financial Services. It says data is available natively in those workflows without a separate contract, API key, or connector configuration. That data includes financials and ratios, source filings, Segments & KPIs, adjusted metrics, news, and the earnings calendar. This partnership specifically concerns ChatGPT for Financial Services.
Fiscal.ai says Robinhood customers can add its app from the Agent Apps marketplace inside Robinhood Agents. The company says the integration runs through its MCP server. Its blog index also lists an announcement titled “Fiscal.ai Launches an MCP Connector for Gemini Enterprise for Financial Services.”
My caution is simple: AI tools can still misread or misstate numbers. Check important figures against the source filing before putting them into a model or investment decision. I want the source, period, units, and calculation behind an answer. Fiscal.ai’s source links are particularly useful in that process.
Fiscal.ai’s current public materials focus on these data integrations rather than a built-in chat assistant, so I’d judge the subscription on the data itself.
Data quality, sources, and update speed
Fiscal.ai says the Terminal covers 100,000+ public companies, ETFs, and funds globally. Its API and MCP pages describe first-party coverage of 13,000+ public companies across the U.S., Canada, ADRs, the UK, and Europe. The counts cover different instrument universes and data sources. The important question for an investor is the depth available for the companies they follow.
Fiscal.ai supplies its own fundamentals and ratios for U.S., Canadian, ADR, UK, and EU companies; other geographies use S&P Capital IQ. Fiscal.ai says its extraction process includes human analyst verification. I like the combination of a stated verification process and links back to the source material. It gives investors a practical way to examine important inputs.
| Company geography | Fundamentals source | Typical earnings update | Quotes |
|---|---|---|---|
| U.S., Canada, ADRs, UK, EU | Fiscal.ai’s own data | Typically 3–7 minutes after earnings | 15-minute delayed |
| Other geographies | S&P Capital IQ | Typically within 24–48 hours | End-of-day |
Fiscal.ai says these are typical update times. The speed is attractive for investors working through earnings soon after a release. The September 11, 2026 changelog says financial-ratio updating moved from daily to real-time. The stock-quote delays still apply. Fast earnings updates and delayed prices serve different parts of the research process.
I put more weight on useful coverage and clear sourcing than on a headline universe count. My approach is to follow an important financial figure or operating metric back to its source, understand the definition, and decide how it fits the thesis. That is where Fiscal.ai’s data and source-link combination makes its strongest case.
MCP and API: separate products
MCP and API access are sold separately from Terminal Pro and Max. MCP and API are also separate products, a change introduced in the July 16, 2026 release. Include those subscriptions in your budget if external AI research or a data feed is part of your process.
Fiscal.ai describes its Skills catalogue as free downloadable, prebuilt prompts designed for MCP investment-research workflows. Those free prompts are separate from paid data access. I would assess the data subscription and any external client’s requirements together before committing.
Self-serve API/MCP subscriptions are annual-only and non-refundable. The Data Feed API Terms, updated September 4, 2026, cover API and MCP connectors. Cancellation takes effect at the end of the current term. No refund or credit is provided for unused days. Check the current subscription price and client requirements before signing up.
Fiscal.ai pricing: Pro versus Max
As of October 1, 2026, Fiscal.ai’s FAQ lists Terminal Pro and Max with monthly and yearly billing. Amounts below exclude tax. Sign-up distinguishes Individual use from Professional use for a fund, firm, or platform. Professional users should confirm the applicable arrangement.
| Plan and billing | Standard price | With RYAN15 (15% off) | Savings |
|---|---|---|---|
| Pro, monthly | $49/month | $41.65/month | $7.35 |
| Max, monthly | $99/month | $84.15/month | $14.85 |
| Pro, yearly | $468/year ($39/month equivalent) | $397.80/year | $70.20 |
| Max, yearly | $948/year ($79/month equivalent) | $805.80/year | $142.20 |
RYAN15 takes 15% off all payments within your first 11 months, which includes the first annual payment on yearly billing. Fiscal shows the discounted total at checkout, so you’ll see the exact price before you pay.
The yearly totals equal the advertised monthly equivalents multiplied by 12.
Pro and Max: the key differences
| Feature | Pro | Max |
|---|---|---|
| Segments & KPIs history | 10 years / 15 quarters | Full available history |
| Dashboard table exports | Available to all users | Available to all users |
| Financial-data exports | Requires Max | Supported for U.S., Canada, ADRs, UK, and EU data |
| Earnings Calendar exports | Confirm access when choosing a plan | Available on Max |
I would start the plan decision with exports and KPI history. If you need financial data in a spreadsheet, you need Max. For research primarily inside the Terminal, Pro is the sensible starting point to consider. I would pay for Max when the extra history or exports improve work I expect to do regularly.
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Free trial, cancellation, and refunds
Fiscal.ai offers a 7-day Terminal free trial; a card is required at sign-up, and it converts to a paid plan unless you cancel before it ends. The Terminal Terms do not promise a specific direct reminder before conversion. I would set my own reminder and use the trial for a few concrete research tasks.
Under the Terminal Terms, monthly purchases and renewals are non-refundable; cancellation prevents future renewals without refunding the current period. Annual purchases and renewals can be refunded when requested within 30 days, subject to the terms. The relevant billing policy also applies to trial conversions and discounted plans. The terms separately describe a 14-day cancellation right for EU/EEA/UK consumers on new paid subscriptions, with a prorated refund for unused service; businesses are excluded.
The Terminal annual refund policy does not extend to the self-serve API/MCP subscriptions described as non-refundable. Choose the product and billing cycle deliberately, then retain the checkout terms and your cancellation confirmation.
Fiscal.ai pros and cons
Pros
- Company research depth: financial statements, ratios, and Segments & KPIs support the analysis I want to do.
- Traceability: Fiscal.ai says its figures have click-through source-to-filing links, a capability I prioritize when assessing research inputs.
- Valuation workflow: the July 2026 modeling release includes DCF, IRR, Reverse DCF, and Comparables templates.
- Earnings responsiveness: Fiscal.ai says fundamentals in its first-party geographies typically update 3–7 minutes after earnings.
- External AI access: MCP connections bring Fiscal.ai data into Claude, ChatGPT/Codex, and custom clients.
Cons
- Cost: monthly Terminal prices start at $49 for Pro and $99 for Max, which deserves scrutiny for occasional research.
- Export gating: financial-data exports require Max and support specified geographies.
- Quote delays: 15-minute delayed or end-of-day quotes, depending on geography, limit the fit for time-sensitive trading.
- Additional subscriptions: MCP/API access is separate, with annual-only, non-refundable self-serve subscriptions.
- Spreadsheet limitation: Fiscal.ai says it has no Excel add-in.
- Billing requires attention: the trial converts to paid unless canceled, and monthly charges are non-refundable under the stated policy.
Fiscal.ai alternatives: fair comparisons
I would compare platforms using the same company list and a few recurring research tasks. The prices below are as of October 1, 2026. The final choice depends on the depth and access your workflow needs.
Fiscal.ai versus Koyfin
Koyfin lists Free at $0, Plus at $39/month billed annually, and Premium at $79/month billed annually. Koyfin’s Free plan includes market and macro dashboards. Its plan guide positions Plus for research and Premium for custom analytics and portfolio risk.
I would start with Koyfin if market dashboards and portfolio analytics dominate your process. Fiscal.ai’s Segments & KPIs and MCP connections make it worth comparing for company-focused research and external AI workflows. The choice comes down to which kind of analysis you expect to do most often.
Fiscal.ai versus TIKR
TIKR’s paid plans list annual-billing monthly equivalents of $17.95 for Plus, $37.95 for Pro, and $79.95 for Ultimate. Month-to-month prices are $24.95, $54.95, and $119.95, respectively. Its Free plan is U.S.-only and requires no card. Paid plans provide global coverage, with transcript history expanding by tier. TIKR advertises a 14-day money-back guarantee for new users.
I would shortlist TIKR for global fundamental research, particularly when price and transcript history matter. Compare your specific companies, operating metrics, and export requirements with Fiscal.ai before choosing. On the listed prices, TIKR’s entry paid tier costs less than Fiscal.ai Pro under both billing options. That is a price comparison, with feature fit still to assess.
Fiscal.ai versus Seeking Alpha Premium
Seeking Alpha Premium lists at $299/year. My partner offer is $269 for the first year, a $30 saving. I am also a Seeking Alpha affiliate and may earn a commission through that offer. See my Seeking Alpha Premium review for the fuller assessment.
Seeking Alpha Premium includes published analysis, Quant ratings, screeners, and AI research tools. I see Seeking Alpha as a good fit for readers seeking viewpoints and ratings, while Fiscal.ai suits investors assembling their own analysis from financial data. Choose based on the research output you want.
Fiscal.ai versus StockAnalysis.com
StockAnalysis.com Pro costs $79/year or $9.99/month. Unlimited is advertised at $16.58/month when billed annually. The site advertises a 60-day money-back guarantee. It also advertises coverage of 130,000+ global stocks and funds. Pro permits one data download per day; Unlimited removes that download limit.
I see StockAnalysis.com as a sensible lower-budget data/export option. Evaluate Fiscal.ai’s company operating data, source links, and modeling against your actual needs before paying the higher bill. My Stock Analysis review provides more context for that choice.
Bloomberg Terminal: cost context
NeuGroup’s October 9, 2024 reporting put the cost of a single Bloomberg Terminal at approximately $31,980/year for 2025 two-year contracts. That historical figure gives a sense of the institutional budget involved; it is not a current 2026 quote. I include it as cost context for investors considering how much research infrastructure they need.
My verdict: is Fiscal.ai worth it?
My verdict is favorable for investors who regularly do their own company research. Fiscal.ai’s combination of financial statements, operating data, source links, and valuation templates fits that work well. I particularly like the emphasis on understanding the business and tracing the numbers behind a valuation. Those are practical reasons to consider paying for a research platform.
Pro is the starting point I would consider for research inside the Terminal. Max becomes more attractive when you need full available KPI history or financial-data exports. Max also includes Earnings Calendar exports. The choice should follow the work you do regularly. An occasional researcher should compare the cheaper alternatives first; a frequent researcher has a stronger reason to pay for the depth and organization Fiscal.ai offers.
Use the trial to work through one familiar company, a peer comparison, and a valuation. Focus on the detail you need, the sources behind important inputs, and the output you want to produce. If that workflow suits you, Fiscal.ai deserves serious consideration. I would make the plan decision around those practical results.
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The code works without clicking my affiliate link. Your checkout shows the discounted total before you pay. See the Fiscal.ai promo code page for the dedicated redemption reference.
Frequently asked questions
Is Fiscal.ai worth it?
I see a strong fit for investors who regularly research companies and build their own conclusions. The financial data, source links, and modeling templates support that work. For occasional research, compare cheaper alternatives first. For recurring company analysis, Fiscal.ai has a compelling combination of depth and tools.
Is FinChat now Fiscal.ai?
Yes. Fiscal.ai announced the FinChat rebrand on June 17, 2025. That announcement also disclosed a US$10 million Series A led by Portage. FinChat is the platform’s previous name.
What is the difference between Fiscal.ai Pro and Max?
Pro includes 10 years / 15 quarters of Segments & KPIs history. Max includes full available history. Financial-data exports require Max for supported U.S., Canada, ADR, UK, and EU data. Max also includes Earnings Calendar exports. I would choose based on the history and export workflow I need.
Does Fiscal.ai cover 100,000 companies or 13,000?
Fiscal.ai says the Terminal covers 100,000+ public companies, ETFs, and funds globally. Its API/MCP pages describe 13,000+ first-party public companies across specified geographies. The counts have different scopes. Segments & KPIs have separate coverage of 2,500+ companies, according to the FAQ. Check depth for your own list.
How quickly does Fiscal.ai update, and are quotes live?
Fiscal.ai says its own-data fundamentals typically update 3–7 minutes after earnings; other geographies typically update within 24–48 hours through S&P Capital IQ. Quotes are 15-minute delayed for own-data companies and end-of-day for other geographies. These are vendor-stated timings as of October 1, 2026.
Can I trace numbers to the original filing?
Fiscal.ai says its figures have click-through links to source filings, with image, PDF, and URL sources. That lets you examine the material behind an important input. Check source-link access on your chosen plan during the trial.
Does Fiscal.ai have AI features?
Yes. Its MCP connectors bring data into Claude, ChatGPT/Codex, and custom clients. Fiscal.ai also says it is a data partner within ChatGPT for Financial Services. The company offers a Robinhood Agent App powered through its MCP server. Check important AI-produced figures against filings before using them in your analysis.
Are MCP and API included with Terminal Pro or Max?
No. API/MCP access is subscribed to separately from Terminal Pro/Max. MCP and API are also separate products. Self-serve subscriptions are annual-only and non-refundable. Include the current price and client requirements in your budget.
Does Fiscal.ai have an Excel add-in?
Fiscal.ai says it currently has no Excel add-in. Max supports financial-data exports for specified geographies. Dashboard table exports are available to all users, according to the FAQ. Decide whether that export workflow meets your needs.
What are the free-trial and refund rules?
The Terminal has a 7-day free trial, requires a card, and converts to paid unless canceled before it ends. Monthly purchases and renewals are non-refundable under the stated policy. Annual plans can be refunded when requested within 30 days of purchase or renewal, subject to the terms. See the pricing section for the separate consumer exception and API/MCP policy.
What are the main Fiscal.ai alternatives?
My shortlist includes Koyfin for dashboards and portfolio analytics, TIKR for global fundamental research, Seeking Alpha Premium for published analysis and ratings, and StockAnalysis.com for a lower-budget data/export workflow. Compare coverage, history, exports, and the payment due on the tier you actually need.
What is the Fiscal.ai discount code, and do I need the link?
My code is RYAN15 for 15% off all payments within your first 11 months. Enter it at checkout; the code works even if you go to Fiscal.ai directly. Fiscal shows the discounted total at checkout.
Disclosure
I am a Fiscal.ai affiliate and may earn a commission when you subscribe through my link or use my discount code, at no extra cost to you. I am also a Seeking Alpha affiliate, as disclosed in the comparison. This review reflects my evaluation of Fiscal.ai’s published documentation, pricing, and terms as of October 1, 2026, rather than a long-term hands-on test, and it has no numerical rating.
Product descriptions and typical update times are attributed to the companies. Prices and terms reflect the research for this article as of October 1, 2026; historical announcements are dated separately. My recommendation depends on the usefulness of the data for your process and the cost of the required plan.