Liquidity Ratios API

Retrieve liquidity ratios for any publicly traded company. This endpoint returns metrics that measure a company's ability to meet short-term obligations using its most liquid assets, along with the Altman Z-Score for bankruptcy risk assessment.

Liquidity ratios are critical for evaluating whether a company can pay its bills as they come due. The current ratio provides a broad measure of short-term solvency, while the quick ratio (acid test) strips out inventory to show a more conservative picture. The cash ratio focuses exclusively on cash and equivalents. The Altman Z-Score combines multiple financial metrics into a single predictive score that estimates the probability of bankruptcy within two years, making it a valuable screening tool for risk-averse investors.

Data is available for both annual and quarterly periods, with up to 250 historical periods per request.

GEThttps://api.roic.ai/v2/fundamental/ratios/liquidity/{identifier}

Parameters

Path Parameters

identifierstringrequired

Company identifier — supports ticker symbol (e.g., `AAPL`), CIK, CUSIP, or ISIN.

Example: AAPL

Query Parameters

apikeystringrequired

Your API key for authentication.

periodstringoptional

Reporting period for financial data.

Default: annualValues: annual, quarterly

limitnumberoptional

Maximum number of periods to return.

Default: 10Example: 10

fiscal_year_startnumberoptional

Filter results starting from this fiscal year.

Example: 2020

fiscal_year_endnumberoptional

Filter results ending at this fiscal year.

Example: 2024

date_startstringoptional

Filter results starting from this date (YYYY-MM-DD format).

Example: 2020-01-01

date_endstringoptional

Filter results ending at this date (YYYY-MM-DD format).

Example: 2024-12-31

orderstringoptional

Sort order for time-series data.

Default: DESCValues: ASC, DESC

formatstringoptional

Response format. Use `json` for JSON (default) or `excel` for tab-separated values compatible with Google Sheets and Excel.

Default: jsonValues: json, excel

Code Examples

curl "https://api.roic.ai/v2/fundamental/ratios/liquidity/AAPL?apikey=YOUR_API_KEY"

Response

Response200 OK

[
  {
    "ticker": "AAPL",
    "date": "2025-09-30",
    "period": "annual",
    "period_label": "2025",
    "fiscal_year": "2025",
    "currency": "USD",
    "cash_ratio": 0.3302340745391865,
    "cur_ratio": 0.8932929222186667,
    "quick_ratio": 0.7707132118987388,
    "cfo_to_avg_current_liabilities": 0.6518976793958301,
    "com_eqy_to_tot_asset": 22.075431256454582,
    "lt_debt_to_tot_eqy": 106.23194499070972,
    "lt_debt_to_tot_cap": 44.014137929096826,
    "lt_debt_to_tot_asset": 21.803747345097023,
    "tot_debt_to_tot_eqy": 133.80304612588665,
    "tot_debt_to_tot_cap": 55.4374273014874,
    "tot_debt_to_tot_asset": 27.46262258483859,
    "cash_flow_to_tot_liab": 39.046891855919974,
    "cap_expend_ratio": 8.767754620526937,
    "altman_z_score": 10.265102963426072
  }
]

Field Dictionary

Field	Description
`cash_ratio`	Cash ratio
`cur_ratio`	Current ratio
`quick_ratio`	Quick ratio
`cfo_to_avg_current_liabilities`	Operating cash flow to average current liabilities
`com_eqy_to_tot_asset`	Common equity to total assets
`lt_debt_to_tot_eqy`	Long-term debt to total equity
`lt_debt_to_tot_cap`	Long-term debt to total capital
`lt_debt_to_tot_asset`	Long-term debt to total assets
`tot_debt_to_tot_eqy`	Total debt to total equity
`tot_debt_to_tot_cap`	Total debt to total capital
`tot_debt_to_tot_asset`	Total debt to total assets
`cash_flow_to_tot_liab`	Cash flow to total liabilities
`cap_expend_ratio`	Capital expenditure ratio
`altman_z_score`	Altman Z-Score

Metadata

Field	Description
`ticker`	Company ticker symbol
`date`	Period end date
`period`	Reporting period (e.g. Annual, Quarterly)
`period_label`	Human-readable period label
`fiscal_year`	Fiscal year
`currency`	Reporting currency

Altman Z-Score Interpretation

Score	Zone	Meaning
Above 2.99	Safe	Low probability of bankruptcy
1.81 - 2.99	Grey	Moderate risk. warrants further analysis
Below 1.81	Distress	High probability of bankruptcy within two years

Use Cases

Screen out companies with current ratios below 1.0 to avoid liquidity-constrained stocks
Monitor quick ratio trends to detect deteriorating short-term financial health before it hits earnings
Use Altman Z-Score as a bankruptcy risk filter in quantitative stock screening models
Compare liquidity positions across sector peers to identify companies with stronger cash cushions
Combine liquidity ratios with credit ratios for a complete solvency analysis

Credit & Debt Ratios - long-term leverage and interest coverage metrics
Working Capital Ratios - operational efficiency of current assets and liabilities
Balance Sheet - detailed breakdown of current assets and liabilities
Cash Flow Statement - cash generation and usage patterns