Koyfin vs FinChat (Fiscal.ai): Proven Terminal or AI-Powered Research?

This is the comparison that defines the future of retail investment research. Koyfin represents the proven approach — Bloomberg-level data, customizable dashboards, and eight years of platform refinement. Fiscal.ai (formerly FinChat) represents the AI-native approach — natural language queries, an AI Copilot, and KPI tracking that goes beyond standard financials.

Both cover 100,000+ global securities. Both target serious fundamental analysts. But they’re building for different futures.

Koyfin is the better choice for most investors today. Its 5,900+ screening criteria, mobile apps, customizable dashboards, and eight-year track record with 500,000+ users provide a more reliable, versatile research foundation. When your investment decisions depend on the platform, proven stability matters.

But Fiscal.ai is the better choice for AI-forward fundamental analysts. If you spend significant time querying financial data — pulling comparisons, checking KPIs, building valuation models — the AI Copilot genuinely accelerates that workflow. And Fiscal.ai’s KPI tracking for 2,250+ companies delivers data depth that traditional platforms don’t match.

Koyfin vs Fiscal.ai: Side-by-Side

Note: Pricing was last verified in late 2025. Check each platform’s website for current rates. Fiscal.ai rebranded from FinChat in 2024.

Koyfin: Eight Years of Institutional-Grade Data

Koyfin was built by Rob Koyfman, a former Goldman Sachs and Citigroup strategist, to bring Bloomberg-quality data to retail investors. After eight years of development and 500,000+ users, the platform delivers on that promise — 10-year financial statements, analyst estimates, earnings transcripts, and 5,900+ screening criteria across 100,000+ global securities.

The platform’s strength is customization. You build multi-panel dashboards combining financial data, charts, screening results, and news — then save and reuse them. Each investor’s Koyfin setup is different because the interface adapts to your workflow rather than imposing one.

There’s no AI, no natural language interface, and no machine learning. Koyfin is a traditional data platform done exceptionally well. You query data by building screens and clicking through dashboards — the same way institutional analysts have worked for decades, but at $374/year instead of $20,000+.

Koyfin’s Strengths

Screening superiority. 5,900+ filter criteria means you can build multi-factor screens with granularity that few retail platforms match. Fiscal.ai’s screening capabilities are limited by comparison — its strength is AI-powered data retrieval, not systematic filtering.

Platform maturity. Eight years of development means Koyfin has addressed edge cases, refined its interface, and built a stable platform that 500,000+ investors rely on daily. Fiscal.ai, having recently rebranded from FinChat, is still evolving.

Mobile access. iOS and Android apps let you check dashboards and review data on the go. Fiscal.ai is web-only — a meaningful gap for investors who monitor positions throughout the day.

Customizable workflow. Drag-and-drop dashboards with six color themes let you build exactly the research environment you need. Every analyst’s setup can be unique.

Koyfin’s Limitations

No AI capabilities. In 2026, the absence of any AI assistance is increasingly notable. While AI isn’t essential for every research workflow, investors who’ve experienced natural language data queries find it hard to go back to purely manual navigation.

No built-in DCF modeling. Koyfin provides the data for valuation analysis but doesn’t include modeling tools. You’d need a spreadsheet or separate tool to build DCF models. Fiscal.ai has DCF modeling built into the platform.

Standard financial metrics only. Koyfin covers the financial data that all platforms cover — income statements, balance sheets, cash flows. It doesn’t track company-specific KPIs (like subscriber growth for SaaS or same-store sales for retail) the way Fiscal.ai does for 2,250+ companies.

Best for: Investors who want a proven, customizable data terminal with the best screening tools available at retail pricing.

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Fiscal.ai: AI-Native Research for Fundamental Analysts

Fiscal.ai (formerly FinChat) takes a fundamentally different approach. Instead of building dashboards and manually navigating data, you ask questions. The AI Copilot understands financial queries in natural language — “Compare Apple and Microsoft’s free cash flow margins over the past five years” — and returns structured data, visualizations, and analysis.

The platform combines institutional-quality financial data (sourced from S&P Market Intelligence at the Pro tier) with AI-powered querying, KPI tracking for 2,250+ companies, 13F hedge fund filing analysis, and built-in DCF modeling. It’s what a Bloomberg terminal might look like if built today with AI as the foundation.

The company recently rebranded from FinChat to Fiscal.ai, reflecting its evolution from a chat-focused tool to a comprehensive research platform. With $13 million in funding, 350,000+ users, and SOC 2 Type II certification, Fiscal.ai is building institutional credibility — but it’s still a younger platform finding its identity.

Fiscal.ai’s Strengths

AI Copilot. Natural language data querying is genuinely transformative for research workflows. Instead of navigating through menus and dashboards to compare two companies’ margins, you type the question and get structured results. For investors who spend hours pulling data, this can compress research time significantly.

KPI tracking. Fiscal.ai tracks 2,250+ company-specific KPIs beyond standard financials — subscriber growth, revenue per user, same-store sales, booking rates, and other operational metrics that drive stock prices. Traditional platforms including Koyfin typically don’t offer this depth of non-financial operational data.

Built-in DCF modeling. Adjust assumptions and model scenarios directly within the platform. For value investors who evaluate companies through discounted cash flow analysis, having the model integrated with the data eliminates the spreadsheet middleman.

Source auditability. At the Enterprise tier, Fiscal.ai provides click-through citations to original SEC filings for every data point. For investors who verify data before acting on it, this chain of custody is valuable.

Fiscal.ai’s Limitations

Limited screening. Fiscal.ai’s screening capabilities don’t compare to Koyfin’s 5,900+ filter criteria. If your research process is screen-first — filter the universe, then analyze candidates — Koyfin is the stronger platform.

No mobile app. Web-only access. Like Stock Rover, the lack of mobile apps is a growing liability as investors increasingly rely on phone-based research.

Younger platform. Founded around 2022, with a recent rebrand. Four years of operation versus Koyfin’s eight means less battle-testing, fewer edge cases resolved, and more platform evolution ahead. The rebrand itself introduces a period of transition.

AI prompt learning curve. Getting the most from the Copilot requires learning to prompt effectively. The free tier limits you to 10 AI prompts per month — enough to test but not enough to rely on. Pro ($39/month) provides 250 prompts, which is more practical for daily use.

Best for: Fundamental analysts who want AI-assisted data retrieval, deep KPI tracking, and DCF modeling integrated into their research platform.

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Head-to-Head: The Differences That Actually Matter

The AI Question

This is the defining divide. Koyfin says: “Here’s all the data, organized exactly how you want it. Go analyze.” Fiscal.ai says: “Ask me anything about any company, and I’ll pull the data and structure it for you.”

For experienced analysts who’ve built efficient dashboard-based workflows, Koyfin’s approach is faster because they already know where everything is. The AI adds friction for power users who can navigate directly to the data they need.

For analysts who spend significant time on data retrieval — comparing metrics across companies, pulling specific data points, building ad-hoc analyses — Fiscal.ai’s Copilot genuinely saves time. The value of AI increases with the complexity and variety of your queries.

The honest assessment: AI-powered research is still early. The Copilot is genuinely useful, but it occasionally misinterprets queries or returns imprecise data. Koyfin’s traditional interface is slower but more predictable. In two years, AI-powered research tools may be clearly superior. Today, the proven approach still has the edge for most investors.

KPI Depth vs Screening Breadth

Fiscal.ai’s tracking of 2,250+ company-specific KPIs is a genuine differentiator. When evaluating a SaaS company, seeing subscriber growth, net revenue retention, and annual recurring revenue alongside standard financials gives you a more complete picture than income statements alone.

Koyfin’s 5,900+ screening criteria give you more ways to filter and sort the stock universe systematically. You can build multi-factor screens that no other retail platform matches for breadth.

These are different strengths serving different research stages. KPIs help you evaluate specific companies deeply. Screening helps you discover companies systematically. Both are valuable — the question is which stage dominates your research process.

Platform Maturity vs Innovation

Koyfin has eight years of development, 500,000+ users, mobile apps, and a Goldman Sachs-pedigreed founder. The platform is refined, reliable, and battle-tested.

Fiscal.ai has four years, 350,000+ users, a recent rebrand, $13 million in funding, and SOC 2 Type II certification. It’s building fast and innovating aggressively — but it’s still evolving, which means the platform you sign up for today may look meaningfully different in a year.

For investors who want reliability above all, Koyfin’s maturity is the advantage. For investors who want to be on the cutting edge of research technology, Fiscal.ai’s trajectory is more exciting.

How to Decide

Choose Koyfin if:

• Screening is central to your research process and you need 5,900+ filter criteria
• You want mobile apps for on-the-go research access
• Platform stability and an eight-year track record matter to you
• You prefer building custom dashboards over typing natural language queries

Choose Fiscal.ai if:

• You spend significant time pulling specific financial data and comparing metrics across companies
• Company-specific KPIs (subscriber growth, unit economics, operational metrics) are important to your analysis
• DCF modeling is part of your valuation process and you want it built into the platform
• You’re comfortable adopting newer technology and adapting as the platform evolves

Use both if:

• You want Koyfin’s screening power to discover candidates and Fiscal.ai’s AI Copilot to accelerate deep analysis
• Both have free tiers — test each for a month before deciding

The tiebreaker: If you value reliability and breadth, choose Koyfin today. If you value innovation and analytical depth on individual companies, Fiscal.ai is worth the bet.

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The Bottom Line

Koyfin wins for most investors today. Eight years of platform development, 5,900+ screening criteria, mobile apps, and 500,000+ users create a more reliable, versatile research foundation. When your investment decisions depend on the data platform, proven stability matters — and Koyfin’s Bloomberg-level data at $374/year delivers that confidence.

But Fiscal.ai represents where financial research is heading. The AI Copilot, KPI tracking for 2,250+ companies, and built-in DCF modeling aren’t just features — they’re a preview of how every data platform will work within a few years. For investors who want to adopt that future now, Fiscal.ai delivers genuine research acceleration.

Both platforms share a belief that retail investors deserve institutional-grade data. They just disagree on how to deliver it. In a market with 81-point dispersion between winners and losers, the quality of your analytical tools directly impacts your returns. Whether you choose the proven terminal or the AI-powered challenger, you’re investing in the single most important asset for a self-directed investor: your ability to analyze before you allocate.

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Frequently Asked Questions

Koyfin vs FinChat (Fiscal.ai): which is better?

Koyfin is better for most investors today because of its 5,900+ screening criteria, mobile apps, customizable dashboards, and eight years of platform stability. At $374/year (with TraderHQ’s discount), it provides a more proven and versatile research foundation. Fiscal.ai is better for AI-forward fundamental analysts who want natural language data queries, KPI tracking for 2,250+ companies, and built-in DCF modeling. At comparable pricing (~$372/year for Pro annual), the choice comes down to whether you prefer traditional dashboards or AI-assisted research.

Is Fiscal.ai (FinChat) worth it?

Yes, for fundamental analysts who value AI-assisted research. Fiscal.ai’s AI Copilot accelerates data retrieval through natural language queries, and its KPI tracking for 2,250+ companies goes deeper than standard financial platforms. The Pro tier at $39/month (250 AI prompts) hits the sweet spot for serious individual investors. The platform is younger (founded ~2022) and recently rebranded from FinChat, so expect continued evolution. The free tier (10 AI prompts/month) lets you test before committing. SOC 2 Type II certification and endorsements from VanEck’s CEO provide institutional credibility.

Is Koyfin worth it?

Yes, for investors who do their own fundamental analysis. Koyfin delivers Bloomberg-level data — 10-year financials, 5,900+ screening criteria, analyst estimates, and earnings transcripts — at $374/year (with TraderHQ’s 20% discount), compared to Bloomberg’s $20,000+. The eight-year platform history and 500,000+ users demonstrate reliability. The steep learning curve means casual researchers won’t extract enough value, but serious analysts will find it among the most powerful retail data platforms available. A free tier lets you test core features first.

Can I use both Koyfin and Fiscal.ai?

Yes, and they complement each other well. Use Koyfin’s 5,900+ screening criteria and customizable dashboards for stock discovery and systematic research workflows. Use Fiscal.ai’s AI Copilot for quick data queries, KPI analysis, and DCF modeling on specific companies. Both have functional free tiers, so you can test the combination without any cost before deciding which (or both) to upgrade. The combined Pro-tier cost (~$746/year) is significant but covers virtually every research need a self-directed investor has.

Why did FinChat rebrand to Fiscal.ai?

FinChat rebranded to Fiscal.ai in 2024 as the platform evolved beyond its original chat-focused identity. The new name (Fiscal.ai) reflects the platform’s broader scope — institutional-grade financial data, AI-powered analysis, KPI tracking, and DCF modeling — rather than positioning solely as a chat interface for financial queries. The core functionality remains the same, and existing FinChat accounts transitioned to Fiscal.ai. The parent company is Stratosphere Technology Inc.