# SEC Filing Section Reader

> SEC Filing Section Reader is a paid API for AI agents from x402-agent-api.onrender.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-12).

Retrieves a specific named section (risk factors, MD&A, business, etc.) from a US public company's 10-K or 10-Q filing via SEC EDGAR, returning clean text.

## Facts

- Endpoint: POST https://x402-agent-api.onrender.com/api/v1/sec-filing-section?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-12
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/sec-filing-section-reader-33b6a2b2
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_TkhcntlkLDoOkbtTYT6mO

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 sec-filing-section-reader-33b6a2b2 -d '<json body>'
```

Example prompt: Pull the risk_factors section from Apple's latest 10-K annual report — their ticker is AAPL.

## When to prefer this

Use this endpoint when you need the full text of a specific named section from a US public company's SEC annual or quarterly report, especially for LLM analysis, risk research, or compliance review. Prefer this over general web scraping when you need structured, canonical SEC disclosure text with provenance metadata. Best when you know the ticker or CIK and want a specific section like risk factors or MD&A without parsing the full filing yourself.

## Known failure modes

- Company not found for given ticker or CIK — returns error if ticker is not recognized by EDGAR
- Section not available for the requested form type (e.g. cybersecurity only available in 10-K from late 2023 onward)
- No filing found for the requested fiscal year — EDGAR HTML filings only go back to 2001
- Payment not received — endpoint returns HTTP 402 with PAYMENT-REQUIRED header until USDC payment on Base is signed and retried
- Accession number does not match the given company — returns mismatch error
- Section text may be very long and truncated for extremely verbose filings

## How this service works

Answers questions like 'What are Tesla's risk factors?' or 'How did Apple's MD&A change since 2022?'. Returns one section of a US public company's 10-K or 10-Q from SEC EDGAR as clean text: Risk Factors, MD&A, Business, Legal Proceedings, Market Risk or Cybersecurity. Latest filing or any fiscal year since 2001, by ticker or CIK, with the sec.gov link to cite. Tables kept readable. Not charged if the company, filing or section is not found. $0.01 USDC per call.

## Output

A JSON object containing the full plain text of the requested filing section, along with metadata including the company name, CIK, ticker, form type, section title, filing date, period of report, SEC EDGAR filing URL, accession number, word count, character count, and a flag indicating whether the text was truncated.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "cik": {
   "anyOf": [
    {
     "type": "string",
     "pattern": "^\\d{1,10}$"
    },
    {
     "type": "integer",
     "maximum": 9007199254740991,
     "exclusiveMinimum": 0
    }
   ],
   "description": "SEC Central Index Key, e.g. 320193. Use this, `ticker` or `company`."
  },
  "form": {
   "enum": [
    "10-K",
    "10-Q"
   ],
   "type": "string",
   "description": "Annual report (10-K, the default) or quarterly report (10-Q). With `accession_number`, taken from that filing."
  },
  "ticker": {
   "type": "string",
   "pattern": "^[A-Z][A-Z0-9.\\-]{0,9}$",
   "description": "US stock ticker, e.g. AAPL, MSFT, BRK-B. Use this, `cik` or `company`."
  },
  "company": {
   "type": "string",
   "maxLength": 120,
   "minLength": 2,
   "description": "Company name, e.g. \"Apple\" or \"Coca-Cola\". Use this, `ticker` or `cik`; a name matching several companies returns their tickers, free."
  },
  "section": {
   "enum": [
    "business",
    "risk_factors",
    "cybersecurity",
    "legal_proceedings",
    "mda",
    "market_risk"
   ],
   "type": "string",
   "description": "Which section to return: risk_factors, mda (Management's Discussion and Analysis), business, legal_proceedings, market_risk, or cybersecurity (10-K only, filings from late 2023 on)."
  },
  "fiscal_year": {
   "type": "integer",
   "maximum": 2100,
   "minimum": 2001,
   "description": "Return the report whose fiscal period ends in this calendar year instead of the latest one, e.g. 2022 for Apple's 10-K for the year ended September 24, 2022. For a 10-Q, the latest quarter ending in that year. EDGAR has HTML filings from 2001 on."
  },
  "accession_number": {
   "type": "string",
   "pattern": "^\\d{10}-\\d{2}-\\d{6}$",
   "description": "Return the section from this exact 10-K or 10-Q filing of the company, e.g. 0000320193-22-000108."
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "cik": "320193",
  "form": "10-K",
  "item": "1A",
  "text": "Item 1A. Risk Factors\n\nThe Company's business, reputation, results of operations, financial condition and stock price can be affected by a number of factors, whether currently known or unknown, including those described below. (Example excerpt.)",
  "source": "sec-edgar",
  "ticker": "AAPL",
  "company": "Apple Inc.",
  "section": "risk_factors",
  "truncated": false,
  "char_count": 245,
  "filing_url": "https://www.sec.gov/Archives/edgar/data/320193/000032019325000079/aapl-20250927.htm",
  "next_calls": [
   {
    "why": "What changed in this section since the previous year's 10-K?",
    "tool": "sec_section_changes",
    "price": "$0.04",
    "arguments": {
     "ticker": "AAPL",
     "section": "risk_factors",
     "accession_number": "0000320193-25-000079"
    }
   },
   {
    "why": "What has happened at the company since this report (8-K events)?",
    "tool": "sec_recent_events",
    "price": "$0.01",
    "arguments": {
     "limit": 3,
     "ticker": "AAPL"
    }
   }
  ],
  "word_count": 35,
  "filing_date": "2025-10-31",
  "section_title": "Risk Factors",
  "accession_number": "0000320193-25-000079",
  "period_of_report": "2025-09-27"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/sec-filing-section-reader-33b6a2b2/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
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