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Compare · Filings infrastructure

The Fiscal.ai alternative for filings infrastructure.

Fiscal.ai (the rebrand of FinChat.io) is an AI-native Terminal for fundamental investors — normalized financials, KPIs, AI chat across ~100,000 companies. FinancialReports is the regulatory-filings backend underneath — every primary-source filing across 48 markets, in AI-ready Markdown, with webhooks and an MCP server.

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Last updated · May 2026Numbers cited from each vendor's public materials and third-party data vendors
At a glance · who picks whathonest comparison · different audiences
Pick FinancialReports if
  • You need raw primary-source filings, not normalized fundamentals
  • Global coverage beyond US / CA / UK / EU matters
  • Webhook on every new filing globally
  • Entity resolution to ISIN / LEI / FIGI
  • Self-serve $69 or $499/mo tiers
Pick Fiscal.ai if
  • You're an individual investor wanting an AI Terminal
  • Fundamental analysis on top ~2,300 global stocks
  • Prosumer UX with dashboards + AI chat fits your workflow
  • Click-thru auditability from fundamental to source table is your need
  • $49 / $99 individual seat pricing is the right scale
01 · Overview

Two tools, different shapes.

Fiscal.ai is a finished Terminal for the analyst. FinancialReports is the data layer underneath, for the builder.

FFinancialReportsfilings infrastructure

A public-company filings API.

Every annual, quarterly, interim, and ad-hoc filing — indexed across 48 markets, in AI-ready Markdown.

  • 26M filings · 48 markets
  • Markdown · JSON · raw PDF
  • Webhooks · < 90 s after publish
  • MCP server, free for any LLM client
From $0/mo · web is free, no account
Get API accessSee API docs
FFiscal.aiAI Terminal

An AI Terminal for fundamentals.

Normalized financials, segment/KPI data, estimates, AI summaries across ~100,000 companies (top ~2,300 with deep KPIs). Rebrand of FinChat.io.

  • 100,000+ companies (top ~2,300 deep KPIs)
  • API coverage: US / CA / UK / EU only
  • Click-thru auditability to source table
  • Claude / ChatGPT MCP connectors
From $49/mo Pro · $99/mo Max · API sales-quoted
Fiscal.ai ↗
02 · Feature matrix

Side by side, line by line.

A non-exhaustive grid of what each tool does and how well.

Feature
FinancialReports
Fiscal.ai
Content scope
Raw primary-source filings
48 markets · 26M
aggregator · normalized fundamentals
Normalized fundamentals + KPIs
ESEF extraction
top ~2,300 deep KPIs
API geographic coverage
48 markets
US / CA / UK / EU only
Entity resolution (ISIN / LEI / FIGI)
Delivery shape
Markdown for LLM grounding
native · per filing
derived data only
Webhooks on new filings
HMAC-signed · < 90 s
financial_data_updated event
MCP (Model Context Protocol) server
free · any LLM
Claude / ChatGPT connectors
Prosumer dashboards + UI
API-first
polished UX
Pricing & access
Individual / prosumer tier
$0 web · $69/mo API
$0 / $49 / $99
Public API price list
sales-quoted
Free tier for web users
5y/6q financials
Full · Partial · Not in scope  ·  Sourced from each vendor's public materials and reputable third-party data aggregators · spot a stale number? Tell us.
03 · The numbers

Cost. Coverage. Concrete.

Where we have hard numbers, we use them.

API geographic coverage
FinancialReports48global markets
Fiscal.ai4 regionsUS/CA/UK/EU
Layer of the stack
FinancialReportsRawprimary filings + Markdown
Fiscal.aiDerivednormalized fundamentals
Global filing webhook
FinancialReports48 mktsevery filing · < 90 s
Fiscal.ai4 regionsUS/CA/UK/EU only
04 · Speed

Filings hit the index in under a minute.

Median time from regulator publication to a queryable record. Fiscal.ai aggregates and normalizes .

FinancialReports
~ 42 s
Fiscal.ai
minutes
Legacy aggregator
~ 30 min
Daily-batch vendor
next day

Measured against 13,400 filings across DE · FR · UK · NL · SE · US, Jan–Apr 2026. Time = regulator publication → API availability. Webhooks fire < 90 s for paid clients.

05 · By role

Different jobs. Different tools.

A few real workflows and where each tool shines.

For an individual investor

AI Terminal for fundamentals

Pick Fiscal.ai

Polished dashboards, AI chat over fundamentals, click-thru source audit. Built for the human-on-a-couch, not the engineer-on-a-pipeline.

For a builder / quant

Raw filings into a global pipeline

Pick FinancialReports

48-market regulatory-source ingestion, Markdown, webhooks, MCP. The data layer Fiscal.ai sits on top of.

For a fintech building an investor app

Global filings + UI elements

Pick FinancialReports

Build your own UI on top of FR's primary filings + Markdown. Fiscal.ai's API is geographically narrow and sales-gated for redistribution.

06 · Migration

Most teams don't switch — they layer.

Fiscal.ai is the analyst Terminal; FinancialReports is the global filings backend.

01 · Day 1

Decide audience

Individual analysts → Fiscal.ai for the Terminal UI. Engineering team building an investor product → FinancialReports underneath.

02 · Day 2–3

Wire the FR webhook

Point filing.published at your ingestion service. Markdown lands within 60 s.

03 · Day 4–7

Build on top

Dashboards, RAG, agents, or a custom Terminal — your UI, your features, your global coverage.

07 · FAQ

Questions that come up.

Does Fiscal.ai cover the same markets as FinancialReports?

No. Fiscal.ai's API covers US, Canada, UK, and EU. FinancialReports delivers raw primary filings from 48 markets including APAC, LatAm, MEA, and Nordics.

Does Fiscal.ai give me raw filings or normalized fundamentals?

Normalized fundamentals, KPIs, and AI summaries derived from filings. FinancialReports delivers the actual primary-source filing (PDF + Markdown) within ~60 seconds of publication.

Can I get a webhook every time a global filing drops?

Yes — both vendors ship webhooks. Fiscal.ai's financial_data_updated event covers their US / CA / UK / EU coverage. FinancialReports webhooks fire on every new filing across 48 markets including APAC, LatAm, MEA, and Nordics.

Do both have an MCP server?

Yes. Fiscal.ai's MCP exposes their normalized data; FinancialReports' MCP exposes raw filings with entity resolution across global regulators. Different layers of the stack.

Which is cheaper for a developer building an AI agent?

FinancialReports Pro is $69/mo with public pricing, webhooks, and Markdown included. Fiscal.ai's API pricing is sales-gated .

Fiscal.ai sits on the surface. We sit underneath.

Different audiences. Different stack layers. Build on the raw filings layer with FinancialReports.

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