Finnhub Alternative: ROIC.AI vs Finnhub API
TLDR: Finnhub is a strong real-time and alternative-data API. But if your work is company fundamentals, ratios, valuation, and transcripts, Finnhub locks global financials behind its $3,500/mo All-In-One plan, ships a free tier that is US-only with no standardized financial statements, and sells earnings call transcripts only as a separate add-on.
ROIC.AI is the fundamentals-first Finnhub alternative: worldwide statements, 90+ ratios with a true ROIC focus, and earnings call transcripts on every plan, including free, plus a native MCP server for AI agents. Trusted by 29,000+ investors, quants, and fintech builders.
→ Get your free API key, worldwide fundamentals, ratios, and transcripts, no credit card.
The catch with Finnhub for fundamentals investors is the pricing cliff. Public pricing is Free or All-In-One at $3,500/mo, with no affordable middle tier. ROIC.AI gives you worldwide fundamentals at $0, and unlimited requests with 40+ years of history at $89/mo.
ROIC.AI vs Finnhub at a glance
Dimension | ROIC.AI | Finnhub |
|---|---|---|
Fundamentals depth | Income statement, balance sheet, cash flow (annual, quarterly, TTM), worldwide | Standardized financial statements, but All-In-One plan only |
90+ financial ratios | ✅ Profitability, credit & debt, liquidity, working-capital, yield, valuation | Key Metrics (paid tier) |
ROIC / returns-on-capital focus | ✅ Core product, ROIC, return on capital, ROE, ROA | ⚠️ Not a focus |
Valuation & enterprise value | ✅ EV, multiples, per-share data | ⚠️ Limited |
Earnings call transcripts | ✅ Every plan, incl. free | ⚠️ Paid add-on, not in free or All-In-One |
Global coverage | ✅ Worldwide on every plan, incl. free (90,000+ companies, 100+ countries) | ⚠️ Free is US-only; global on All-In-One |
Years of history | Up to 40+ years (Professional) | 30+ years (All-In-One) |
Data format | JSON REST ( | JSON REST + WebSocket |
AI / MCP-ready | ✅ Native MCP server | ❌ No MCP server |
Free tier | $0, 5 req/min, worldwide, transcripts, 90+ ratios | $0, 60 calls/min, US only, no financial statements |
Entry paid plan | $29/mo Individual, worldwide fundamentals | No public mid-tier; jumps to $3,500/mo |
Top plan | $89/mo Professional, unlimited req, 40+ yrs | $3,500/mo All-In-One |
Real-time market data | End of day today; real-time (WebSocket) rolling out | ✅ Real-time WebSocket, tick data |
Alternative data | Focused on fundamentals & valuation | ✅ Broader, sentiment, patents, supply chain, ESG, bonds, economic |
Sources: ROIC.AI pricing and the live ROIC.AI API, and Finnhub's pricing page, accessed 2026-06-17. Prices are list.
→ Start free and pull AAPL fundamentals in one request.
Where ROIC.AI wins for fundamentals investors
1. Worldwide fundamentals at $0, not $3,500/mo
Finnhub's free tier is US-only and, per its pricing table, does not include standardized financial statements. Global statements, key metrics, and estimates live on the All-In-One plan at $3,500/mo (billed annually).
ROIC.AI gives you worldwide income statements, balance sheets, and cash flows on the free plan, across 90,000+ companies in 100+ countries, with international financials normalized to USD. A query for Vale (VALE3.SA) or a London (LSE) name returns a full statement, not a paywall.
2. A real ROIC and returns-on-capital engine
ROIC.AI is named after the metric value investors care about most. The profitability endpoint returns return on invested capital, return on capital, ROE, ROA, margins, effective tax rate, payout, and sustainable growth, pre-computed period over period. Finnhub exposes Key Metrics on paid tiers, but returns-on-capital is not the spine of the product.
3. 90+ ratios and metrics, organized for analysis
Across six endpoint families, ROIC.AI ships 90+ ready-to-use ratios and metrics:
Profitability: ROIC, ROE, ROA, margins, tax rate, payout, sustainable growth
Credit & debt: net/total debt to EBITDA, debt to equity/capital/assets, interest coverage
Liquidity: current, quick, cash ratios, cash-flow-to-liabilities, Altman Z-Score
Working capital: receivable/inventory/payable turnover and days, cash conversion cycle
Yield: free-cash-flow yield, shareholder yield, capital yield
Valuation: EV, EV/EBITDA, EV/Sales, P/E, P/B, P/S, P/FCF, per-share data
4. Earnings call transcripts on every plan
ROIC.AI includes transcripts on every plan including free (list calls, latest, or by quarter). On Finnhub, earnings call transcripts are a paid add-on that is not even included in the $3,500/mo All-In-One plan, per its pricing footnote. For transcript-driven research and LLM analysis, that gap is decisive.
5. AI- and MCP-ready out of the box
ROIC.AI ships a native MCP server. Point Claude or any MCP-capable agent at it and your model can call statements, ratios, transcripts, and valuation directly, no glue code. Finnhub does not offer an MCP server.
6. Transparent, affordable pricing
Plan | Price | Rate limit | History | Coverage |
|---|---|---|---|---|
Free | $0 | 5 req/min | 2 years | Worldwide |
Individual | $29/mo | 300 req/min | 5 years | Worldwide |
Professional | $89/mo | Unlimited | 40+ years | Worldwide |
Enterprise | From $600/mo | Unlimited | 40+ years | Worldwide + commercial license |
No $3,500/mo cliff. Annual billing adds two months free.
Where Finnhub is genuinely stronger
Credit where it is due. Finnhub is excellent for real-time and alternative data: a real-time WebSocket (unlimited symbols on All-In-One), tick-level US and international data, deep analyst estimates (20+ years history and 5 years forward for EPS, revenue, EBITDA), and an unusually broad alternative-data catalog, social sentiment, USPTO patents, senate lobbying, supply chain, ESG scores, global bonds, and economic data.
If you are building real-time trading systems or alt-data signals, Finnhub is the broader, more real-time toolbox.
But if your work lives in company fundamentals, ratios, valuation, and transcripts, that real-time breadth is surface area you pay a $3,500/mo premium for. ROIC.AI goes deeper on the part you actually need and makes it available from $0.
Who should switch to ROIC.AI
Value & fundamentals investors screening on ROIC, margins, and returns on capital.
Quants & researchers who need clean, normalized statements and ratios across global markets without a four-figure monthly bill.
Fintech builders who want worldwide fundamentals and transcripts without a $3,500/mo floor.
AI builders wiring fundamentals into agents via MCP.
If you need real-time tick data, WebSocket streaming, or broad alternative data, Finnhub may fit better, and that is an honest call.
→ Get your free API key, the best Finnhub alternative for fundamentals- and ROIC-focused investors.
FAQ
Is ROIC.AI a good Finnhub alternative?
Yes, especially for fundamentals, ratios, valuation, and transcripts. ROIC.AI provides worldwide financial statements, 90+ ratios with an ROIC focus, and earnings call transcripts on every plan including free, where Finnhub's free tier is US-only without standardized statements and reserves global fundamentals for its $3,500/mo All-In-One plan. ROIC.AI also ships a native MCP server, which Finnhub does not.
ROIC.AI vs Finnhub pricing, which is cheaper?
For fundamentals, ROIC.AI is dramatically cheaper. Finnhub's public pricing is Free or All-In-One at $3,500/mo (billed annually), with no affordable middle tier. ROIC.AI offers worldwide fundamentals on a $0 free plan, $29/mo for 300 requests/min, and $89/mo for unlimited requests and 40+ years of history.
Does Finnhub include earnings call transcripts?
Per Finnhub's pricing page, earnings call transcripts are a separate paid add-on and are not included in the All-In-One plan. ROIC.AI includes transcripts on every plan, including free.
Does ROIC.AI cover international stocks?
Yes, worldwide on every plan including free: 90,000+ companies across 100+ countries and major exchanges like the LSE, B3 (Brazil), TSX/TSX-V, Stockholm, Deutsche Börse, Hong Kong, and India's NSE/BSE, normalized to USD. Finnhub's free tier is US-only.
What does Finnhub do better than ROIC.AI?
Real-time and alternative data. Finnhub offers a real-time WebSocket, tick-level data, deep analyst estimates, and a broad alternative-data catalog (sentiment, patents, supply chain, ESG, bonds, economic data). ROIC.AI is focused on fundamentals and is end-of-day today, with real-time via WebSocket on the roadmap.
Can I use ROIC.AI with AI tools and agents?
Yes. ROIC.AI provides a native MCP server, so Claude and other MCP-compatible agents can query statements, ratios, valuation, and transcripts directly. Data is also available as JSON over REST at api.roic.ai/v2.