Financial Ratios

Access a comprehensive set of financial ratios, each with an A–F letter grade computed against industry peers. Ratios span five categories: profitability, efficiency, liquidity, solvency, and cash flow.

URL

GET /api/v1/financial-ratios/ratios/{ticker}

Deprecation note: The old path /api/v1/financial-ratios/{ticker} still works but is deprecated and will be removed in a future release.

Parameters

Parameter	Type	Default	Description
`ticker`	string	—	Stock ticker symbol (path param, required)
`period`	string	`quarterly`	Period filter: `annual`, `quarterly`, or `ttm`
`fy`	integer	—	Filter by fiscal year (e.g. `2024`)
`fiscal_period`	string	—	Exact period: `FY`, `Q1`, `Q2`, `Q3`, `Q4`
`limit`	integer	`4`	Number of most recent periods to return

Example Request

curl -H "Authorization: Bearer YOUR_API_KEY" \
  "https://api.finpoint.dev/api/v1/financial-ratios/ratios/NVDA?limit=2"

Example Response

{
  "ticker": "NVDA",
  "periods": [
    {
      "fiscal_year": 2027,
      "fiscal_period": "Q2",
      "period_end_date": "2026-07-26",
      "period_start_date": "2026-04-27",
      "filing_date": "2026-08-28",
      "form_type": "10-Q",
      "accession_number": "0001045810-26-000075",
      "ratios": {
        "Gross_Profit_Margin": {
          "value": 0.78,
          "grade": "A",
          "category": "Profitability"
        },
        "Net_Profit_Margin": {
          "value": 0.38,
          "grade": "A",
          "category": "Profitability"
        },
        "Current_Ratio": {
          "value": 3.42,
          "grade": "A",
          "category": "Liquidity"
        },
        "Asset_Turnover": {
          "value": 0.51,
          "grade": "B",
          "category": "Efficiency"
        }
      }
    }
  ]
}

Complete Ratio Catalog

Every ratio in this table is pre-computed by the ETL pipeline and available via the API. Availability per company depends on the underlying XBRL facts being reported.

Profitability

Ratios measuring a company’s ability to generate profit relative to revenue.

Ratio	Formula	Description
`Gross_Profit_Margin`	`GrossProfit / TotalRevenues`	Gross profit as a percentage of revenue — core product profitability
`Operating_Profit_Margin`	`OperatingIncomeLoss / TotalRevenues`	Operating income as a percentage of revenue — efficiency of core operations
`Continuous_Operations_Profit_Margin`	`IncomeFromContinuingOperations / TotalRevenues`	Profit margin from ongoing business lines (excludes discontinued ops)
`Net_Profit_Margin`	`TotalNetIncomeLoss / TotalRevenues`	Bottom-line profit after all expenses, taxes, and minority interest

Efficiency

Ratios measuring how effectively a company uses its assets.

Ratio	Formula	Description
`Asset_Turnover`	`TotalRevenues / TotalAssets`	Revenue generated per dollar of total assets
`Fixed_Asset_Turnover`	`TotalRevenues / PropertyPlantAndEquipmentNet`	Revenue generated per dollar of fixed assets (PP&E)
`Inventory_Turnover`	`TotalCostOfRevenues / Inventory`	How many times inventory is sold and replaced in a period
`Working_Capital_Turnover_Ratio`	`TotalRevenues / (TotalCurrentAssets - TotalCurrentLiabilities)`	Revenue generated per dollar of working capital

Liquidity

Ratios measuring a company’s ability to meet short-term obligations.

Ratio	Formula	Description
`Current_Ratio`	`TotalCurrentAssets / TotalCurrentLiabilities`	Ability to pay short-term liabilities with short-term assets
`Quick_Ratio`	`(TotalCurrentAssets - Inventory) / TotalCurrentLiabilities`	Same as current ratio, excluding inventory (the least liquid current asset)
`Cash_Ratio`	`CashAndCashEquivalents / TotalCurrentLiabilities`	Ability to pay short-term liabilities with cash alone — most conservative liquidity measure

Solvency & Leverage

Ratios measuring long-term financial health and debt burden.

Ratio	Formula	Description
`Solvency_Ratio`	`TotalNetIncomeLoss / TotalLiabilities`	Net income relative to total liabilities — debt-repayment capacity
`Debt_To_Assets_Ratio`	`TotalLiabilities / TotalAssets`	Percentage of assets financed by debt
`Debt_To_Capital_Ratio`	`TotalLiabilities / TotalAssets`	Debt as a proportion of total capital (assets financed by creditors)
`Debt_Service_Coverage_Ratio`	`EarningsBeforeInterestTaxDepreciationAmortization / InterestExpense`	EBITDA available to cover interest payments
`Interest_Coverage_Ratio`	`OperatingIncomeLoss / InterestExpense`	Operating income available to cover interest payments

Cash Flow

Ratios relating operating cash flow to obligations and revenue.

Ratio	Formula	Description
`Operating_Cash_Flow_Ratio`	`NetCashFromOperatingActivities / TotalCurrentLiabilities`	Operating cash flow relative to current liabilities — true liquidity from cash generation
`Operating_Cash_Flow_Sales_Ratio`	`NetCashFromOperatingActivities / TotalRevenues`	Operating cash flow per dollar of revenue — cash conversion quality

Key Metrics

Access a curated set of the most commonly used financial metrics for a company. Unlike the full ratios endpoint, key metrics returns a focused subset of raw values (not ratios) covering profitability, liquidity, and leverage — useful for dashboards and watchlists.

URL

GET /api/v1/financial-ratios/key-metrics/{ticker}

Example Request

curl -H "Authorization: Bearer YOUR_API_KEY" \
  "https://api.finpoint.dev/api/v1/financial-ratios/key-metrics/AAPL"

Parameters

Parameter	Type	Default	Description
`ticker`	string	—	Stock ticker symbol (path param, required)
`limit`	integer	`4`	Number of most recent periods to return

Response

Returns a small set of essential metrics per period, including revenue, net income, earnings per share, cash from operations, total assets, total liabilities, and free cash flow.

Letter Grade System

Each ratio receives an A–F letter grade based on two layers: a base grade determined by fixed thresholds per category, and an optional sector adjustment that shifts the grade up or down against industry averages.

Layer 1: Base Grade Thresholds

Ratios are classified into six categories, each with its own grading function:

Profitability (margins, ROE, ROA, EPS, BVPS — higher is better)

Threshold	Grade
≥ 30% (0.30)	A
≥ 15% (0.15)	B
≥ 5% (0.05)	C
> 0%	D
≤ 0% (negative)	F

Applies to Gross_Profit_Margin, Net_Profit_Margin, EBITDA_Margin, Operating_Profit_Margin, Pretax_Margin, Return_On_Equity, Return_On_Assets, SG&A_To_Revenue, R&D_To_Revenue, SBC_To_Revenue, Free_Cash_Flow_Margin, Earnings_Per_Share, Book_Value_Per_Share, Tax_Burden, Interest_Burden, Solvency_Ratio.

Liquidity (current/quick/cash ratio — mid-range is best)

Range	Grade	Interpretation
1.50 – 2.50	A	Ideal range — can meet obligations, not hoarding excess liquidity
1.00 – 1.50	B	Acceptable but tight
> 2.50	C	Inefficient — excessive cash or receivables relative to needs
< 1.00	F	Risky — may fail to meet short-term obligations
N/A (empty)	D	Fallback (should not normally occur)

Applies to Current_Ratio, Quick_Ratio, Cash_Ratio, Financial_Leverage.

Solvency (debt ratios — lower is better)

Threshold	Grade
< 0.30 (30%)	A
< 0.50 (50%)	B
< 0.70 (70%)	C
≥ 0.70	F

Applies to Debt_To_Assets_Ratio, Debt_To_Equity, Debt_To_Capital_Ratio, Interest_Coverage_Ratio, Debt_Service_Coverage_Ratio, Net_Debt_To_EBITDA.

Cash Flow (coverage-style — must be safely above 1.0)

Threshold	Grade
≥ 5.00	A
≥ 3.00	B
≥ 1.50	C
≥ 1.00	D
< 1.00	F

Applies to Operating_Cash_Flow_Ratio, Cash_Conversion_Ratio, Free_Cash_Flow_To_OCF.

Efficiency / Turnover (higher is better, wider scale)

Threshold	Grade
≥ 2.00	A
≥ 1.00	B
≥ 0.50	C
> 0.00	D
≤ 0 (negative)	F

Applies to Asset_Turnover, Fixed_Asset_Turnover, Inventory_Turnover, Receivables_Turnover, Working_Capital_Turnover_Ratio, Capex_To_Depreciation, Capex_To_OCF.

Effective Tax Rate (ideal range is US statutory corporate rate)

Range	Grade
20% – 25%	A
15% – 20% or 25% – 30%	B
10% – 15% or 30% – 35%	C
< 10% or > 35%	F

Applies to Effective_Tax_Rate.

Valuation ratios (Price_To_Earnings_Ratio, Price_To_Book_Ratio, EV_To_EBITDA, etc.) do not receive letter grades — the grade field is null.

Layer 2: Sector Adjustment

After the base grade is computed, it can be shifted up or down by one letter when the company’s value is significantly above or below the industry average for its sector:

Condition vs Sector Average	Adjustment
Value > 1.5× the sector average	Boost +1 grade (B → A, C → B, etc.)
Value < 0.5× the sector average	Drop –1 grade (B → C, A → B, etc.)
Everything else	No adjustment

Grades are capped at A (highest) and floored at F (lowest).

Sector Benchmark Averages

The industry averages used for adjustment are:

Sector	Net Profit Margin	Return On Equity	Current Ratio	Debt/Equity	Asset Turnover
Technology	15%	18%	2.50	0.80	0.60
Communication Services	12%	12%	2.00	1.50	0.70
Financial Services	20%	12%	1.20	3.00	0.08
Healthcare	10%	15%	2.00	0.80	0.70
Energy	8%	10%	1.50	1.20	0.60
Consumer Cyclical	5%	12%	1.30	1.20	1.80
Consumer Defensive	8%	20%	1.20	1.00	1.20
Industrials	7%	15%	1.60	1.00	0.85
Real Estate	15%	10%	1.00	2.00	0.10
Utilities	10%	10%	1.00	1.50	0.40
Basic Materials	8%	12%	1.80	0.90	0.75

If a company has no sector (unknown or not classified), the sector adjustment is skipped and the base grade is returned as-is.

Example

A Technology company with Net_Profit_Margin = 38%:

Base grade: 38% ≥ 30% → A
Sector adjustment: 38% / 15% (Tech average) = 2.53× → above 1.5× threshold → boost +1 → but A is already the maximum → A (unchanged)

A Consumer Cyclical company with Debt_To_Assets_Ratio = 0.25:

Base grade: 0.25 < 0.30 → A
Sector adjustment: 0.25 / 0.55 (Cons Cyclical average) = 0.45× → below 0.5× threshold → drop –1 → B

Dual Path: Stored vs On-The-Fly

Grades are computed in two places using identical logic:

Pipeline (PostgreSQL): Written into the database at pipeline time. These are sector-agnostic and reflect the base thresholds only.
API (Go, on-the-fly): Used for TTM ratios (computed live, not stored) and as a fallback when the stored grade is NULL. The API layer applies the sector adjustment with full industry context.

This means stored quarterly/annual grades use base thresholds, while TTM grades incorporate sector benchmarking.

Notes

All ratios are pre-computed by the ETL pipeline (phase 10) and stored in fact_calculated_metrics
Values are raw ratio numbers, not percentages — e.g. Net_Profit_Margin: 0.38 means 38%
If grade is null, the value is still returned — grading is best-effort
Availability varies by company — ratios requiring facts that weren’t mapped for a company won’t appear in the response
For an explanation of how raw XBRL facts become these standardized metrics, see the Data Model and XBRL Caveats