# AgentUtility SaaS Benchmark Score

> AgentUtility SaaS Benchmark Score is a paid API for AI agents from x402.agentutility.ai, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-14).

Computes a deterministic SaaS health score (grade + numeric score) from key SaaS financial metrics like ARR, NRR, Rule of 40, magic number, and burn multiple

## Facts

- Endpoint: POST https://x402.agentutility.ai/saas-benchmark-score
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/agentutility-saas-benchmark-score-96b1ce46
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_oRtgNSrWoU659CCsrhcDU

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability agentutility-saas-benchmark-score-96b1ce46 -d '<json body>'
```

Example prompt: Score my SaaS company's financial health: ARR is $4.8M, net revenue retention is 118%, Rule of 40 is 40%, magic number is 0.9, and burn multiple is 1.2 — give me a benchmark grade and recommendation.

## When to prefer this

Use this endpoint when you need a fast, deterministic, self-contained SaaS financial health score with no dependency on external data sources. Ideal for due diligence workflows, investor memo prep, or automated covenant checks where reproducibility matters. Prefer this over LLM-based analysis when you need a consistent, auditable numeric grade from a defined formula.

## Known failure modes

- Missing required financial metrics returns a validation error
- Out-of-range values (e.g. negative ARR) may trigger warnings or errors
- Malformed JSON body returns 400
- Non-payment or failed x402 USDC settlement returns 402 Payment Required
- Extreme outlier values may produce a warning in the warnings array rather than a hard failure

## How this service works

Paid x402 endpoints organized into product clusters. USDC-settled on Base. MCP-callable. ERC-8004 identity registry agentId 47167.

## Output

Returns a JSON object with a letter-style grade (e.g. 'strong'), a numeric score (0-100), a recommendation string, a list of metric drivers each with name/score/weight/note, the raw input metrics echoed back, and any warnings about anomalous inputs.

## Request schema (JSON Schema)

```json
{
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "type": "object",
 "properties": {
  "input": {
   "type": "object",
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "type": "string",
     "enum": [
      "POST"
     ]
    },
    "bodyType": {
     "type": "string",
     "enum": [
      "json",
      "form-data",
      "text"
     ]
    },
    "body": {
     "properties": {
      "arr": {
       "type": "number",
       "description": "Annual recurring revenue."
      },
      "growth_rate_pct": {
       "type": "number",
       "description": "Annual ARR growth rate percent."
      },
      "gross_margin_pct": {
       "type": "number",
       "description": "Gross margin percent."
      },
      "net_revenue_retention_pct": {
       "type": "number",
       "description": "Net revenue retention percent."
      },
      "burn_multiple": {
       "type": "number",
       "description": "Net burn divided by net new ARR. Optional."
      },
      "magic_number": {
       "type": "number",
       "description": "Sales efficiency magic number. Optional."
      },
      "ebitda_margin_pct": {
       "type": "number",
       "description": "EBITDA margin percent for rule-of-40. Defaults to 0 when omitted."
      },
      "logo_churn_pct": {
       "type": "number",
       "description": "Annual logo churn percent. Optional."
      }
     },
     "required": [
      "arr",
      "growth_rate_pct",
      "gross_margin_pct",
      "net_revenue_retention_pct"
     ]
    }
   },
   "required": [
    "type",
    "method",
    "bodyType",
    "body"
   ],
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "properties": {
      "calculator": {
       "type": "string"
      },
      "score": {
       "type": "number"
      },
      "grade": {
       "type": "string"
      },
      "recommendation": {
       "type": "string"
      },
      "metrics": {
       "type": "object",
       "properties": {
        "arr": {
         "type": "integer"
        },
        "rule_of_40_pct": {
         "type": "integer"
        },
        "net_revenue_retention_pct": {
         "type": "integer"
        },
        "burn_multiple": {
         "type": "number"
        },
        "magic_number": {
         "type": "number"
        }
       }
      },
      "drivers": {
       "type": "array"
… (truncated)
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "grade": "strong",
  "score": 74.2,
  "source": "deterministic in-process finance calculator; no upstream API",
  "drivers": [
   {
    "name": "rule_of_40",
    "note": "40 rule-of-40 score",
    "score": 85,
    "weight": 0.25
   }
  ],
  "metrics": {
   "arr": 4800000,
   "magic_number": 0.9,
   "burn_multiple": 1.2,
   "rule_of_40_pct": 40,
   "net_revenue_retention_pct": 118
  },
  "warnings": [],
  "calculator": "saas-metrics-score",
  "recommendation": "Proceed with standard diligence and covenant checks."
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/agentutility-saas-benchmark-score-96b1ce46/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402.agentutility.ai](https://www.zero.xyz/host/x402.agentutility.ai/llms.txt)