# CashflowLens Analyze — IRR, NPV, MOIC & DCF Cash Flow Analytics

> CashflowLens Analyze — IRR, NPV, MOIC & DCF Cash Flow Analytics is a paid API for AI agents from hermesplant.com, paid per call via x402, $0.2/call, status unknown (last checked 2026-09-15).

Analyzes a series of cash flows to compute IRR, NPV, MOIC, TVPI, DPI, payback period, and optional DCF, with audit findings flagging methodology choices.

## Facts

- Endpoint: GET https://hermesplant.com/api/agent-services/cashflowlens/analyze
- Price: $0.2/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/cashflowlens-analyze-irr-npv-moic-dcf-cash-flow-analytics-30cdc786
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_0w5N0x6N8xOJ-KjbDhYRY

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 cashflowlens-analyze-irr-npv-moic-dcf-cash-flow-analytics-30cdc786
```

Example prompt: Can you run a periodic cash flow analysis on this investment: I put in $1,000,000 at the start and received distributions of $200,000, $300,000, $400,000, $300,000, and $180,000 over 5 annual periods — give me the IRR, NPV, MOIC, and payback period?

## When to prefer this

Choose this endpoint when you need deterministic, test-backed IRR/NPV/MOIC computation for private equity, venture, or real estate cash flows — especially when audit findings and methodology transparency (periodic vs XIRR) matter. Prefer over spreadsheet or general-purpose math tools when you need structured output, payback period, TVPI/DPI, and reproducible results in an agent workflow. Best suited for periodic annual or sub-annual fund cash flows.

## Known failure modes

- Invalid or empty cash flow array — returns 4xx with validation error
- No sign change in cash flows (all positive or all negative) — IRR cannot be computed, returned as null
- Mismatched periodsPerYear for XIRR mode — returns error or falls back to periodic
- Missing required fields — 400 bad request with field-level detail
- Payment not attached or insufficient USDC balance — x402 payment required error

## How this service works

Deterministic cash flow analysis and return analytics in one call: NPV, IRR (periodic), XIRR (dated), MOIC / DPI / TVPI, payback period, plus an optional DCF valuation (enterprise value, equity value, implied share price) with Gordon-growth or exit-multiple terminal value. Pure math from caller-provided cashflows — no market-data feed, no fabrication. Every metric is accompanied by evidence-backed findings and a signed response receipt.

## Output

Returns a JSON object with a summary block containing: net cash flow, NPV, IRR (annual and per-period), XIRR (if dated), MOIC, TVPI, DPI, payback period, and an optional DCF section. Also includes an array of audit findings flagging methodology choices (e.g. whether periodic or dated XIRR was used), a unique requestId, and a cashflowCount. The mode field confirms whether periodic or XIRR computation was applied.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "dcf": {
   "type": "object",
   "description": "Optional DCF valuation inputs."
  },
  "nav": {
   "type": "number",
   "description": "Residual / net asset value, used for TVPI = (distributions + nav) / p..."
  },
  "cashflows": {
   "type": "array",
   "description": "Series of cashflows. Each item is a number (periodic, t=0,1,2,...) OR..."
  },
  "discountRate": {
   "type": "number",
   "description": "Annual rate for NPV (e.g. 0.10). Omit to skip NPV."
  },
  "periodsPerYear": {
   "type": "number",
   "description": "Periods per year to annualize a periodic IRR (default 1; e.g. 12 for ..."
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "dcf": null,
  "mode": "periodic",
  "service": "cashflowlens",
  "summary": {
   "dpi": 1.38,
   "net": 380000,
   "npv": 162512.34,
   "moic": 1.38,
   "tvpi": 1.38,
   "xirr": null,
   "totalIn": 1380000,
   "totalOut": 1000000,
   "irrAnnual": 0.1287,
   "irrPerPeriod": 0.1287,
   "paybackPeriod": 3.68
  },
  "findings": [
   {
    "fix": null,
    "why": "Whether returns were computed on dated (XIRR) or periodic (IRR) cashflows.",
    "rule": "mode",
    "evidence": "mode=periodic cashflows=5 periodsPerYear=1",
    "severity": "info"
   }
  ],
  "requestId": "cfl-1a2b3c4d",
  "cashflowCount": 5
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/cashflowlens-analyze-irr-npv-moic-dcf-cash-flow-analytics-30cdc786/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from hermesplant.com](https://www.zero.xyz/host/hermesplant.com/llms.txt)