# Financial Modeling Prep vs Tiingo

> Financial Modeling Prep scores 48.7 (D) to Tiingo's 46.2 (D) for market fundamentals. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/financial-modeling-prep-vs-tiingo
- Markdown: https://www.anchorterminal.com/compare/financial-modeling-prep-vs-tiingo.md (~3,300 tokens)
- Site index for agents: https://www.anchorterminal.com/llms.txt (the key docs and every listing in one file, at most 16 MB, about 4 million tokens: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- MCP: https://www.anchorterminal.com/mcp (the whole catalogue as tools, no key)
- DNS: dig +short TXT <slug>.grade.anchorterminal.com (the grade as a DNS TXT record, for a sandbox with no HTTP where names still resolve; also top., best.<category>. and <a>.vs.<b>. under the zone, and the same under grade.letme.dev)
- Licence: CC BY 4.0, credit Anchor Terminal and link this page (https://www.anchorterminal.com/terms/#data)
- Updated: 2026-11-04

Financial Modeling Prep scores 48.7 (D) on agent readiness against Tiingo's 46.2 (D), and leads in 3 of 7 scored categories. Tiingo leads on reliability. Both do market fundamentals.

- Financial Modeling Prep: grade D, 48.7/100, rank #1022 of 1349. Markdown https://www.anchorterminal.com/tools/financial-modeling-prep.md · JSON https://www.anchorterminal.com/api/v1/tools/financial-modeling-prep.json
- Tiingo: grade D, 46.2/100, rank #1099 of 1349. Markdown https://www.anchorterminal.com/tools/tiingo.md · JSON https://www.anchorterminal.com/api/v1/tools/tiingo.json
- Best financial market data APIs for AI agents: https://www.anchorterminal.com/best/market-data/index.md
- All 55 markets comparisons: https://www.anchorterminal.com/compare/market-data/index.md

## Which one, for what

### Financial Modeling Prep (D)

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

Ahead on:
- Schema & documentation, 61 against 39
- Maintenance & community, 60 against 50

Also in its favour:
- Free to start without a card

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

### Tiingo (D)

Good for: Agents that need clean US end-of-day composites with dividend and split adjustments, fund fees and news on a cheap plan, and anyone who values a long changelog.

Ahead on:
- Reliability, 60 against 50

Watch for: The connecting guide documents the token as `?token=` in the URL alongside the header


## Why the edge

### Schema & documentation: Financial Modeling Prep +22

- Financial Modeling Prep (61): No OpenAPI document was found. The MCP page says the server supplies strict parameter definitions, but the tool list needs a key and was not read (5 of 25). llms.txt links api-docs.md and pricing.md, Markdown written for agents (10). Each of the 199 endpoints in api-docs.md has a purpose paragraph and a plan marker in pricing.md, with little on when not to use it (13 of 20). Parameters are tabled with type, example and a required star, but allowed values sit in prose and no enums are given (8 of 15). Every endpoint has an example request and response; no error responses are documented anywhere we read (10 of 15). A /stable path, legacy /v3 and /v4 marked discontinued, and a changelog dated by day through 2 November 2026 (15). 5 + 10 + 13 + 8 + 10 + 15 = 61.
- Tiingo (39): No OpenAPI document or MCP server was found (0 of 25). llms.txt and llms-full.txt are served, with product routing and licence notes (10). Each documentation page states the endpoint's purpose and timing, such as prices after 5.30 pm ET with corrections to 8 pm, with little on when not to use it (12 of 20). Parameters and response fields are tabled with names and meanings, but types, defaults and allowed values are partly in prose (8 of 15). Examples in Python, Node and PHP on every page; no error responses documented (7 of 15). A changelog dated by entry since 2017 and a one-year support commitment after breaking changes, with no version in the path (12 of 15). 0 + 10 + 12 + 8 + 7 + 12 = 39.

### Reliability: Tiingo +10

- Financial Modeling Prep (50): Read with the hosted lines. A public status page at status.financialmodelingprep.com is linked from every page (20), but its figures load by script and our reader got an error, so no incident history could be read (5). Limits are published with numbers, 250 calls a day on Basic and 300, 750 and 3,000 calls a minute on paid plans, with bandwidth caps per plan (15). No 429 behaviour, Retry-After or backoff guidance was found in the docs, api-docs.md or FAQs (0). No SLA found; the terms let FMP change limits without notice (0). The stable API is generally available (10). 20 + 5 + 15 + 0 + 0 + 10 = 50.
- Tiingo (60): Read with the hosted lines. A public status page on Instatus at status.tiingo.com lists 13 components with a notice history (20). The history in the 90 days to 3 November 2026 shows a 9 hour 59 minute outage of the Blue Ocean ATS endpoints on 21 October, a WebSocket issue on 21 September and two maintenance windows, with nothing recorded before 21 September; a long outage of one niche feed rather than the core price API (15). Limits are published with numbers, 50 and 10,000 requests an hour, 1,000 and 100,000 a day and 1 GB and 40 GB a month (15). No 429, Retry-After or backoff guidance was found (0). No SLA found (0). The end-of-day, news, crypto and forex APIs are generally available, while Equity Realtime and BOATS are in beta (10). 20 + 15 + 15 + 0 + 0 + 10 = 60.

### Maintenance & community: Financial Modeling Prep +10

- Financial Modeling Prep (60): Read as a closed service. The changelog's newest entry is 2 November 2026 (30). Entries dated 6, 8, 12, 28 and 29 October and 2 November 2026, more than three in 90 days (20). A public changelog, a help centre, FAQs and a support address, with issues reported through a site chatbot per the FAQ (10 of 15). No official SDK; the FAQ points at third-party packages (0 of 15). No package to assess, and nothing else to show for CI or dependency health (0 of 10). 30 + 20 + 10 + 0 + 0 = 60.
- Tiingo (50): Read as a closed service. The changelog's newest entry is 9 October 2026 (30). Entries dated 9 October and 8 September 2026 fall in the last 90 days, with 21 July just outside, and the status page adds a maintenance window on 28 September (12 of 20). A dated changelog, a support address and a blog, with the developer programme promising priority email support (8 of 15). No official SDK (0 of 15). No package to assess (0 of 10). 30 + 12 + 8 + 0 + 0 = 50.

## Score by category

| Category | Weight | Financial Modeling Prep | Tiingo | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 50 | 60 | Tiingo +10 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 61 | 39 | Financial Modeling Prep +22 |
| Agent ergonomics | 13% (16.2 this run) | 59 | 56 | Financial Modeling Prep +3 |
| Security & auth | 14% (17.5 this run) | 30 | 32 | Tiingo +2 |
| Payments & pricing | 10% (12.5 this run) | 30 | 30 | even |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 60 | 50 | Financial Modeling Prep +10 |
| Transparency & trust | 7% (8.8 this run) | 57 | 57 | even |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **48.7 · D** | **46.2 · D** | |

## Facts side by side

| Fact | Financial Modeling Prep | Tiingo |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Financial Modeling Prep | Tiingo Inc. |
| Hosted endpoint | `https://financialmodelingprep.com/stable` | `https://api.tiingo.com` |
| Transports | HTTP, Streamable HTTP | HTTP, websocket |
| Auth | API key | API key |
| Pricing | Freemium | Freemium |
| x402 | no | no |
| Read-only variant documented | no | no |
| llms.txt | yes | yes |
| Last release | 2026-11-02 | 2026-10-09 |
| Terms last updated | couldn't be read | couldn't be read |
| Privacy policy last updated | couldn't be read | 2026-02-18 |
| Customer content may train models | couldn't be read | couldn't be read |
| Terms restrict automated access | couldn't be read | couldn't be read |
| Terms restrict benchmarking | couldn't be read | couldn't be read |
| Terms or service can change without notice | couldn't be read | couldn't be read |
| Arbitration or class-action waiver | couldn't be read | couldn't be read |

## 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.

**Tiingo.** A dated changelog since 2017, a one-year support commitment after breaking changes, an Instatus status page and a free token at 1,000 requests a day. The token is documented in the URL, no OpenAPI document, error reference, SDK or MCP server exists, and the terms and privacy policy sit on a host that refused 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

### Tiingo

1. Send the token as `Authorization: Token <token>`, not as `?token=` in the URL
2. Ask for `format=csv` on large price pulls; the docs say CSV is 4 to 5 times faster than JSON, and bandwidth counts against the monthly cap
3. Count requests an hour and a day, not per second; 50 an hour on Starter, 10,000 on Power, reset on the hour and at midnight ET
4. Expect 403 `{"detail":"Please supply a token"}` without a token; other error shapes are undocumented, so log the body
5. Use dashes in share classes (BRK-A), and fetch supported_tickers.zip rather than guessing symbols

## Questions

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

Financial Modeling Prep scores 48.7 (D) on agent readiness against Tiingo's 46.2 (D), and leads in 3 of 7 scored categories. Tiingo leads on reliability.

### Do Financial Modeling Prep and Tiingo need an API key?

Both need an API key.

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

Yes. Financial Modeling Prep has a hosted endpoint at https://financialmodelingprep.com/stable and Tiingo at https://api.tiingo.com.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/financial-modeling-prep-vs-tiingo.json, and with the fewest tokens: https://www.anchorterminal.com/compare/financial-modeling-prep-vs-tiingo.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "financial-modeling-prep", "b": "tiingo"}`. From a terminal: `anchor compare financial-modeling-prep tiingo`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/financial-modeling-prep.json and https://www.anchorterminal.com/api/v1/tools/tiingo.json

## Other comparisons with Financial Modeling Prep or Tiingo

- [Alpha Vantage vs Financial Modeling Prep](https://www.anchorterminal.com/compare/alpha-vantage-vs-financial-modeling-prep.md)
- [Alpha Vantage vs Tiingo](https://www.anchorterminal.com/compare/alpha-vantage-vs-tiingo.md)
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- [Financial Modeling Prep vs Massive (formerly Polygon.io)](https://www.anchorterminal.com/compare/financial-modeling-prep-vs-massive.md)
- [Finnhub vs Tiingo](https://www.anchorterminal.com/compare/finnhub-vs-tiingo.md)
- [Intrinio vs Tiingo](https://www.anchorterminal.com/compare/intrinio-vs-tiingo.md)
- [Massive (formerly Polygon.io) vs Tiingo](https://www.anchorterminal.com/compare/massive-vs-tiingo.md)
- [Tiingo vs Twelve Data](https://www.anchorterminal.com/compare/tiingo-vs-twelve-data.md)
- [Financial Datasets vs Financial Modeling Prep](https://www.anchorterminal.com/compare/financial-datasets-vs-financial-modeling-prep.md)
- [Financial Datasets vs Tiingo](https://www.anchorterminal.com/compare/financial-datasets-vs-tiingo.md)
- [Financial Modeling Prep vs Finnhub](https://www.anchorterminal.com/compare/financial-modeling-prep-vs-finnhub.md)
- [Financial Modeling Prep vs Intrinio](https://www.anchorterminal.com/compare/financial-modeling-prep-vs-intrinio.md)
- [Financial Modeling Prep vs Twelve Data](https://www.anchorterminal.com/compare/financial-modeling-prep-vs-twelve-data.md)
- [EODHD vs Financial Modeling Prep](https://www.anchorterminal.com/compare/eodhd-vs-financial-modeling-prep.md)
- [EODHD vs Tiingo](https://www.anchorterminal.com/compare/eodhd-vs-tiingo.md)
- [Benzinga vs Financial Modeling Prep](https://www.anchorterminal.com/compare/benzinga-vs-financial-modeling-prep.md)
- [Benzinga vs Tiingo](https://www.anchorterminal.com/compare/benzinga-vs-tiingo.md)

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Query this catalogue directly over MCP: https://www.anchorterminal.com/mcp (Streamable HTTP, no key). How: https://www.anchorterminal.com/agents/#mcp