Financial research tools for AI agents

Your AI can browse financial data. Can you verify its answer?

Finance CLI gives your agent tools to retrieve SEC filings, normalize periods and units, calculate metrics, and keep the source behind every important number. You ask the question. Your agent decides how to investigate it.

Run your first research task Read the five case studies
pip install finresearch-cli

Open source · Runs locally · SEC research needs no paid key

Exhibit 1Apple — Services share of net sales
Fiscal yearServicesShareShare chart
FY2020$53.8B19.6%
FY2021$68.4B18.7%
FY2022$78.1B19.8%
FY2023$85.2B22.2%
FY2024$96.2B24.6%
FY2025$109.2B26.2%

Source: Apple Form 10-K filings, FY2022 and FY2025 (fiscal years end in late September). Values reported in $ millions; share = Services ÷ net sales. Each year links to its filing. Retrieved by an agent with Finance CLI on September 30, 2026.

How Exhibit 1 was made

Watch the agent build it, one tool call at a time.

Seven CLI calls: find the filings, read the statements, check overlapping years for restatements, confirm units, and calculate. Sixty seconds, no editing of the numbers.

Recorded agent sessionSeptember 30, 2026 · real CLI output
“Has Apple become more dependent on Services?” — 7 CLI calls, 6 fiscal years, every figure linked to its 10-K.

The output

Not a chatbot answer. A research artifact.

This is what the agent produced in the video above, using real CLI output. Open each tab to see the evidence, the tool calls, the arithmetic, and what the filings don’t say.

Read the full Apple case study →

“Has Apple become more dependent on Services over the last five years? Is growth coming from Services or hardware? Give me each year’s numbers and sources.”

Yes. Services rose from 19.6% of net sales in FY2020 to 26.2% in FY2025. Its share of gross margin rose faster, from 33.8% to 42.2%, because Services gross margin was 75.4% in FY2025.

Where the growth came from depends on the window. Since FY2022, Products net sales changed by −$9.2B while Services added $31.0B, so Services accounts for all of the net growth. Over the full five years, Products still added more dollars ($86.3B vs $55.4B), most of it in the FY2021 rebound.

Services compounded at 15.2% a year from FY2020 to FY2025, against 6.8% for Products.

Services share of net sales, FY202526.2%+6.6 pts since FY2020
Services share of gross margin, FY202542.2%+8.3 pts since FY2020
Net growth from Services since FY2022$31.0BProducts −$9.2B

Why not just let the agent browse?

Browsing finds numbers.
Research needs to know which number.

Mixed fiscal years

Apple’s year ends in September, NVIDIA’s in January. Blend them and the comparison is quietly wrong.

Finance CLI Every value keeps its period end date.

Million vs billion

Statements, notes and websites scale numbers differently. One slip changes the answer by 1,000×.

Finance CLI Raw XBRL values, with the unit stated.

Restated history

Later filings can revise earlier years. A copied number may no longer be the reported one.

Finance CLI Overlapping years cross-checked across filings.

Mystery numbers

A ratio with no inputs can’t be checked, so it can’t be trusted.

Finance CLI Calculations return inputs and method.

Showcase

Five research questions,
start to finish.

Each session is a real question answered from real filings. The tool calls, raw CLI output and calculations are published, so you can check every step or rerun it.

Financial statement analysis

“Has Apple become more dependent on Services over the last five years?”

Services grew from 19.6% to 26.2% of net sales — and 42.2% of gross margin.

Apple · Services dependence · 7 steps

Cross-company comparison

“Compare NVDA, AMD and AVGO R&D intensity over their last three fiscal years.”

Only Broadcom’s R&D intensity rose (+2.5 pts), and an acquisition explains it. NVIDIA grew R&D fastest in dollars while its ratio fell.

NVDA · AMD · AVGO · R&D intensity · 6 steps

Open-ended investigation

“Did Meta actually become more efficient after the Year of Efficiency?”

Operating margin went from 24.8% to 42.2% in two years. Excluding restructuring charges, the improvement still holds.

Meta · Year of Efficiency · 8 steps

Thesis → evidence

“I think Costco’s membership model makes its earnings more resilient.”

Partly supported: fees equal 51% of operating income and renewals stay near 90%, but six years of rising profit can’t test resilience.

Costco · thesis test · 4 steps

Missing data, reported honestly

“How much revenue does Apple’s App Store generate each year?”

The 10-K doesn’t disclose it. The right answer says so.

Apple · App Store revenue · 4 steps

Missing data, reported honestly

Sometimes the right answer is “the filing doesn’t disclose that.”

Finance CLI helps agents tell missing data from zero, an undisclosed figure from a failed retrieval, and reported values from calculated ones.

See how the agent checked

“How much revenue does Apple’s App Store generate each year?”

Available
FY2025 Services net sales: $109,158 million (reported)
Missing
App Store revenue, for any year
Reason
Apple reports Services as a single revenue category and names its drivers without amounts.

Finance CLI returns what the filing contains. It does not interpolate, estimate or substitute a missing value.

Get started

Reproduce the Apple study with your own agent.

You need an agent that can run terminal commands, such as Claude Code or Codex. Finance CLI runs locally; SEC research needs no paid key.

  1. Step 1

    Install the CLI

    Python 3.10 or later. Then give SEC your name and email, as its fair-access policy asks.

    macOS / Linux

    python -m pip install -U finresearch-cli
export FINANCE_SEC_USER_AGENT="Your Name you@example.com"

    Windows (PowerShell)

    py -m pip install -U finresearch-cli
$env:FINANCE_SEC_USER_AGENT="Your Name you@example.com"
  2. Step 2

    Add the skill

    It teaches your agent which tools to use and how to cite them. Paste this into your agent:

    Download https://tempestshaw.github.io/FinanceCLI/skills/finance-cli-skills.zip, extract it, copy the skills/finance-cli folder into my local agent skills directory, and verify it contains SKILL.md.
  3. Step 3

    Ask the question

    Then compare its answer with the recorded session. Services share of net sales, FY2025: 26.2%.

    Expect 5–10 minutes and 30–40 tool calls. Your agent will ask to run finance commands; allow them.

    Use Finance CLI to test whether Apple has become more dependent on Services over the last five fiscal years. Use 10-K income statements, keep fiscal-year end dates and units, check overlapping years for restatements, calculate the Services share of net sales and gross margin, and cite the accession for every figure. Say what the filings do not disclose.

Detailed setup for each agent: AI integration guide · Quick start · Or run the same tools yourself: finance filings.statement AAPL statement=income --output md