Investhesis vs Roic AI
Both platforms surface 30+ years of financial data. But only one turns it into a complete AI investment thesis — with DCF, ROIC, and forensic risk signals delivered as a decision, not a data table.
We compare features, coverage, pricing and workflow so you can pick the right tool.
Try Investhesis Free →No credit card required
- • Investors who want a full AI-written investment thesis, not just raw data
- • Analysts who need DCF + ROIC + forensic risk signals in a single automated report
- • Users who prefer multi-language research (EN, ES, ZH, HI)
- • Those who want a free plan with global coverage, not just US annuals
- • Developers who need a financial data API for custom apps
- • Analysts who live in Excel and want a native plugin
- • ChatGPT power users who want to query financials via the ChatGPT integration
- • Quant researchers who need raw 30-year statements for custom models
Feature-by-Feature Comparison
| Feature | Investhesis | Roic AI |
|---|---|---|
| AI Investment Thesis | ✅ Automated (7 sections) | ⚠️ AI summaries only |
| DCF Valuation | ✅ Automated + customizable | ❌ Not built-in |
| ROIC / WACC Analysis | ✅ Automated + decision framework | ⚠️ ROIC data only |
| Forensic Risk Signals (M-Score, Z-Score, F-Score) | ✅ Automated per stock | ❌ Knowledge-base definitions only |
| 30-Year Financial Statements | ✅ Deep history | ✅ Core strength |
| Earnings Call Transcripts | ✅ Available (Ultra) + AI analysis | ✅ Searchable archive |
| Peer / Competitor Comparison | ✅ Automated peer set | ⚠️ Manual via screener |
| Financial Data API | ⚠️ Roadmap | ✅ Strong feature |
| Excel Plugin / Export | ⚠️ CSV export | ✅ Native Excel plugin |
| ChatGPT Integration | ⚠️ In-app AI instead | ✅ Native connector |
| Global Coverage on Free Plan | ✅ Global exchanges | ❌ US annuals only |
| Free Plan — No Credit Card | ✅ Yes | ⚠️ Free tier (limited) |
| Multi-language Support | ✅ EN, ES, ZH, HI | ❌ English only |
| Workflow Focus | 🧠 Research → Decision | 📊 Data → Spreadsheet |
Pricing Comparison
- ✅ Free plan — no credit card, global coverage
- ✅ Starter plan — affordable monthly
- ✅ Pro plan — full AI thesis + DCF + risk signals
- ✅ Ultra plan — earnings transcripts & AI transcript analysis
- ⚠️ Free tier — US annuals only
- ✅ Individual — global + quarterly + Excel export
- ✅ Professional — unlimited exports + API + Excel plugin
- ✅ Enterprise — multi-user + commercial API rights
Tier details sourced from public roic.ai materials, April 2026. Check roic.ai/pricing for the current list price.
What Roic AI Does Well
Roic AI is built for the analyst who lives inside financial statements. Its 30+ year archive of income statements, balance sheets and cash flow statements is deep, clean and consistent — exactly what a value investor or equity researcher needs when backtesting a fundamentals screen or studying how a company weathered multiple business cycles. The standardised presentation makes it easy to pull a line item from 2005 and compare it with the same line in 2025 without wrestling with format changes.
The platform's API and Excel plugin are a genuine strength. Analysts who already have their own modelling workflow can pipe Roic AI data directly into their existing spreadsheets, Python notebooks or internal tooling rather than rebuilding a screen inside someone else's UI. The ChatGPT connector extends that same philosophy — bring the data to whatever AI workflow you already trust.
Roic AI also maintains a well-organised knowledge base explaining core financial metrics, including definitions of Altman's Z-Score, ROIC formulas and common valuation ratios. For a self-directed investor learning the fundamentals, it doubles as a reference library alongside the data terminal itself.
Why Investhesis Goes Further
Roic AI gives you the ingredients; you still have to cook the meal. Most individual investors and time-constrained professionals don't want another blank spreadsheet — they want a structured framework that translates raw numbers into a reasoned investment decision. Investhesis automates the valuation work that would otherwise consume hours of manual modelling: WACC calculation, multi-stage DCF, fair-value estimate and sensitivity tables are generated for every covered equity without leaving the app.
Forensic accounting is where the gap widens sharpest. Beneish M-Score flags potential earnings manipulation. Altman Z-Score surfaces financial-distress risk. Piotroski F-Score measures fundamental momentum across nine criteria. Roic AI explains what these scores are in its knowledge base; Investhesis computes them live on every stock and wires them into the thesis so you see the red flags before you take a position.
The final differentiator is the AI Investment Thesis itself. For every covered equity, Investhesis produces a structured 7-section write-up covering business model, competitive moat, growth drivers, risk factors, valuation rationale, financial health and overall verdict — in five languages. That is the output of a research analyst, delivered in seconds. Roic AI offers AI summaries of individual quotes and a ChatGPT connector, but not an end-to-end thesis engine you can stand behind.
Who Should Choose Each Platform?
- ➜ Build financial models from scratch in Excel or Python
- ➜ Need a data API for a custom dashboard or backtest
- ➜ Already run your AI workflow inside ChatGPT and want a financial-data connector
- ➜ Prefer writing your own thesis without an AI draft
- ✔ Want a complete analysis — DCF, ROIC, risk signals — done for you
- ✔ Need forensic red-flag tools computed on every stock, not defined in a glossary
- ✔ Value an AI-written thesis in your language as a starting point for conviction
- ✔ Are a serious investor who'd rather decide than calculate
Bottom Line
Roic AI is a polished financial-data terminal and API for analysts who want raw material to feed into their own models. Investhesis is for investors who want the full analysis — DCF, ROIC, forensic risk signals and an AI-written thesis — delivered automatically, so the time goes into the decision instead of the spreadsheet.
Try Investhesis Free — No Credit Card