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Head to head · Market fundamentals · October 2026 research run

Financial Modeling Prep vs Finnhub

Financial Modeling Prep scores 48.7 (D) on agent readiness against Finnhub's 45.1 (E), and leads in 4 of 7 scored categories. Both do market fundamentals.

Best financial market data APIs for AI agents · All 55 markets comparisons

Financial Modeling PrepFinancial Modeling Prep · HTTP API D48.7/100#1056 of 1349 FinnhubFinnhub · HTTP API E45.1/100#1140 of 1349

Which one, for what

Financial Modeling Prep D

Best for Agents doing company research on statements, ratios, DCF, filings, transcripts and calendars with one key, and US coverage on cheap plans.

Ahead on

  • Transparency & trust, 57 against 27

Watch for

The documented MCP connection URL puts the API key in the query string, and the REST docs accept ?apikey= too

Finnhub E

Best for Agents that need one key across quotes, fundamentals, estimates, filings and transcripts with official libraries, and a free key for prototypes.

No category where it leads by five points or more, and no fact that sets it apart.

Watch for

The Swagger document declares the key only as a token query parameter, and the examples carry it in the URL

Why the edge

Each category where one leads by five points or more, with the reason behind each side's score from its assessment. The numbers are in the table below; this is what they stand for.

Transparency & trust Financial Modeling Prep +30

Financial Modeling Prep 57

A closed service under terms that are clear on personal and commercial use and on display licensing, last updated 1 August 2023, but that name no legal entity, address or governing law (12 of 30). The privacy policy is undated, keeps data for as long as necessary with no periods, says no third parties receive data while naming Google AdSense and Analytics, and no DPA was found (8 of 30). The docs keep a Legacy section and api-docs.md says /v3 and /v4 are discontinued, with no notice period stated; behaviour changes such as the Economics Indicators default window appear in the dated changelog (8 of 20). Google services are the only processors named and no data location is given (5 of 20). 12 + 8 + 8 + 5 = 33.

Finnhub 27

A closed service whose terms exist at a page that robots.txt disallows, so they were not read; the pricing page says every self-serve plan is personal use, and no legal entity or governing law was found (8 of 30). No privacy policy was found, /privacy redirecting to the home page (0 of 30). No deprecation policy or dated notices found (0 of 20). Stripe and Braintree scripts load on the site, but no processor list or data location is disclosed (0 of 20). 8 + 0 + 0 + 0 = 8.

Score by category

CategoryWeight this runFinancial Modeling PrepFinnhubEdge
Reliability16%205048Financial Modeling Prep +2
Performance10%pendingpendingpendingnot scored in this run
Schema & documentation13%16.26158Financial Modeling Prep +3
Agent ergonomics13%16.25956Financial Modeling Prep +3
Security & auth14%17.53032Finnhub +2
Payments & pricing10%12.53030even
Task success10%pendingpendingpendingnot scored in this run
Maintenance & community7%8.86060even
Transparency & trust7%8.85727Financial Modeling Prep +30
Negative events≤1500
TotalD 48.7/100E 45.1/100

Facts side by side

FactFinancial Modeling PrepFinnhub
KindHTTP APIHTTP API
VendorFinancial Modeling PrepFinnhub
Hosted endpointhttps://financialmodelingprep.com/stablehttps://finnhub.io/api/v1
TransportsHTTP, Streamable HTTPHTTP, Streamable HTTP, websocket
AuthAPI keyOAuth or key
PricingFreemiumFreemium
Price for market fundamentalsnot published$50 per month (plan)
x402nono
Tools exposednone70
Read-only variant documentednono
llms.txtyesno
Last release2026-11-022026-11-02
Terms last updatedcouldn't be readcouldn't be read
Privacy policy last updatedcouldn't be readno document linked
Customer content may train modelscouldn't be readcouldn't be read
Terms restrict automated accesscouldn't be readcouldn't be read
Terms restrict benchmarkingcouldn't be readcouldn't be read
Terms or service can change without noticecouldn't be readcouldn't be read
Arbitration or class-action waivercouldn't be readcouldn't be read
Popularitynone1.1k stars

Verdicts

Financial Modeling Prep

About 199 stable REST endpoints with Markdown docs for agents, a dated changelog and a free key at 250 calls a day. The one key travels in the query string on the documented MCP address, error responses and 429 handling are undocumented, the status history could not be read, and personal plans forbid any company use.

Finnhub

A public Swagger document covers 116 endpoints, six official client libraries exist, and a free key gives 60 calls a minute with no card. The key is documented in the query string, no status page, changelog, error reference or privacy policy was found, and robots.txt kept the terms from our reader.

Before you call either

Financial Modeling Prep

  1. Send the key as an apikey header, not in the URL, and treat the MCP ?apikey= address as a secret
  2. Use the /stable paths from api-docs.md; /api/v3 and /v4 are discontinued even though the FAQ still shows a v3 example
  3. On the free plan expect 5 results and page 0 on many list endpoints; read pricing.md before planning a crawl
  4. A missing or wrong key returns HTTP 401 with an Error Message field; stop and ask the user rather than retry
  5. Do not display or pass on the data in a product; personal plans forbid it

Finnhub

  1. Send the key as the X-Finnhub-Token header, not as token= in the URL, and keep under 30 calls a second on top of the plan's per-minute limit
  2. Check the premium marker before calling; a free key reaches 29 operations and the rest answer with an error
  3. Poll /quote sparingly; the docs say constant polling is not recommended and point to the websocket for real-time updates
  4. Expect 401 {"error":"Please use an API key."} without a key and 429 over the limit; wait a minute before retrying, as the MCP page advises
  5. Self-serve plans are personal use; anything commercial needs the enterprise contact route

Questions

Which is better for AI agents, Financial Modeling Prep or Finnhub?

Financial Modeling Prep scores 48.7 (D) on agent readiness against Finnhub's 45.1 (E), and leads in 4 of 7 scored categories.

Do Financial Modeling Prep and Finnhub need an API key?

Financial Modeling Prep needs an API key. Finnhub takes an API key or an OAuth sign-in.

Can an agent call Financial Modeling Prep and Finnhub without installing anything?

Yes. Financial Modeling Prep has a hosted endpoint at https://financialmodelingprep.com/stable and Finnhub at https://finnhub.io/api/v1.

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