Stock Expert AI vs Fiscal.ai (formerly FinChat)
Summary
Fiscal.ai suits investors who build their own analysis from detailed data. Stock Expert AI suits investors who want the analysis written out, with a dated score to compare companies by. Both use AI to answer questions about companies.
If you prefer one clear verdict instead of scattered data, see the product overview.
At a glance (as of October 2026)
| Stock Expert AI | Fiscal.ai (formerly FinChat) | |
|---|---|---|
| Type | Free AI stock research | Financial data with an AI copilot |
| What it does | Free research pages for 20,000+ US stocks, each with a 0-100 MoonshotScore where the fundamentals support one, an AI-written explanation of the figures, and portfolio tools. | A financial data platform, renamed from FinChat to Fiscal.ai in 2025, with company financials, segment and KPI data, dashboards and an AI Copilot for questions about companies. |
| Plans and access | Free. No subscription, no paid tier and no card. A free account adds AI tools (watchlists, the portfolio scanner, the Moon AI assistant) with daily limits. | A free plan with limited history and Copilot prompts, and paid plans with more. Check fiscal.ai for current plans and price. |
| Suits | Self-directed investors who want one consistent, dated score with its reasoning shown, at no cost. | Fundamental investors who build their own analysis from detailed company data. |
Where Fiscal.ai (formerly FinChat) fits
A financial data platform, renamed from FinChat to Fiscal.ai in 2025, with company financials, segment and KPI data, dashboards and an AI Copilot for questions about companies.
Plans and access (as of October 2026): A free plan with limited history and Copilot prompts, and paid plans with more. Check fiscal.ai for current plans and price. Suits: Fundamental investors who build their own analysis from detailed company data.
- Strength: Segment and KPI data beyond the standard statements.
- Strength: An AI Copilot to query company data in plain English.
- Limit: Free history and AI prompts are limited.
- Limit: A data workbench: it does not publish a single score to compare companies by.
Where Stock Expert AI fits
Free research pages for 20,000+ US stocks, each with a 0-100 MoonshotScore where the fundamentals support one, an AI-written explanation of the figures, and portfolio tools.
Plans and access (as of October 2026): Free. No subscription, no paid tier and no card. A free account adds AI tools (watchlists, the portfolio scanner, the Moon AI assistant) with daily limits. Suits: Self-directed investors who want one consistent, dated score with its reasoning shown, at no cost.
- Strength: Figures come from data providers (Financial Modeling Prep first) and are shown as received: the AI writes the analysis and never edits the numbers.
- Strength: MoonshotScore is published with its date and the same recipe for every company, so scores compare across stocks.
- Strength: Short stock films (about two minutes) that walk through a company's key numbers, on stock pages where one has been produced.
- Strength: The Market Intelligence Journal: reviewed market news with a dated archive, free to read without an account.
- Limit: US-listed stocks only.
- Limit: No human analyst reports.
- Limit: Prices are the last quote recorded from the data provider, labelled with its trading session, not a live stream.
- Limit: No trading signals, automated trading or brokerage.
Sources (checked 2026-10-22)
Each statement about a tool comes from the page listed here, read on 2026-10-22. Plans and prices change; the vendor's own page is the authority.
- Fiscal.ai (formerly FinChat): Fiscal.ai plans (checked 2026-10-22)
- Fiscal.ai (formerly FinChat): Techleap: Fiscal.ai rebrands from FinChat and raises Series A (checked 2026-10-22)
- Stock Expert AI: Stock Expert AI pricing (free, no paid tier) (checked 2026-10-22)
- Stock Expert AI: How MoonshotScore is built (checked 2026-10-22)
- Stock Expert AI: Data sources and how AI is used (checked 2026-10-22)
- Stock Expert AI: Market Intelligence Journal (checked 2026-10-22)
About this comparison
Stock Expert AI publishes this page and lists itself first. Other tools are described from their own sites and reputable reviews, with no prices, ratings or user counts repeated, and plan details are as of October 2026. This is educational content, not investment advice. Past performance does not guarantee future results.
Frequently Asked Questions
Is Stock Expert AI free?
Yes. Stock Expert AI is free and has no subscription or paid tier. Every stock page can be read without an account; a free account adds AI tools with daily limits.
Is Fiscal.ai (FinChat) free?
Fiscal.ai has a free plan with limited data history and Copilot prompts, and paid plans with more; check fiscal.ai for the current price.
Is FinChat the same as Fiscal.ai?
Yes. FinChat renamed itself Fiscal.ai in 2025.
Which one gives a score?
Stock Expert AI publishes a dated 0-100 MoonshotScore where the fundamentals support one. Fiscal.ai is a data and Copilot platform and does not publish a single comparable score.
Evidence & Sources
- Figures come from Financial Modeling Prep (FMP). If FMP has no figure for a ticker, a price or fundamental may come from a Yahoo Finance fallback, or a price from an Alpaca fallback. SEC EDGAR is used only for filing links and company identity details (legal name, address), never for figures.
- MoonshotScore V2 rates eligible US-listed companies from 0 to 100 against their sector peers on five pillars: Business Quality (weight 26), Financial Safety (weight 20), Valuation (weight 18), Growth Durability (weight 16) and Momentum (weight 12). It reads no news-sentiment or analyst data, and it is not a probability of future returns.
- Definitions follow standard investing terminology, with key terms explained inline in plain language where useful.
- Each price is the last quote we recorded, shown with the trading session it belongs to. Pages are served from a cache, so the copy you are reading can lag that quote. Each quote is a provider snapshot, not an exchange feed.
- This page is educational and does not constitute investment advice.
- All analysis is generated by AI models and should be verified with independent research.