Closes #012 - Implement Sloan Ratio Accrual Radar

app/api/scanner/route.ts

@@ -300,6 +300,61 @@ function generateSimulatedChart(ticker: string, mode: string): TickerDetails {
   };
 }
 
+function getSimulatedSloan(ticker: string): { sloanRatio: number; sloanRegime: 'SAFE' | 'ANOMALY' } {
+  let hash = 0;
+  for (let i = 0; i < ticker.length; i++) {
+    hash = ticker.charCodeAt(i) + ((hash << 5) - hash);
+  }
+  const sloanRatio = parseFloat(((hash % 170) / 10).toFixed(2)); // range: 0.0 to 17.0
+  const sloanRegime = (sloanRatio > 10 || sloanRatio < -10) ? ('ANOMALY' as const) : ('SAFE' as const);
+  return { sloanRatio, sloanRegime };
+}
+
+async function fetchFmpSloanRatio(ticker: string, apiKey: string): Promise<{ sloanRatio: number; sloanRegime: 'SAFE' | 'ANOMALY' }> {
+  if (ticker.includes('-USD') || ticker.includes('BTC') || ticker.includes('ETH')) {
+    return getSimulatedSloan(ticker);
+  }
+  try {
+    const incUrl = `https://financialmodelingprep.com/api/v3/income-statement/${ticker}?period=quarter&limit=1&apikey=${apiKey}`;
+    const balUrl = `https://financialmodelingprep.com/api/v3/balance-sheet-statement/${ticker}?period=quarter&limit=1&apikey=${apiKey}`;
+    const cfUrl = `https://financialmodelingprep.com/api/v3/cash-flow-statement/${ticker}?period=quarter&limit=1&apikey=${apiKey}`;
+
+    const [incRes, balRes, cfRes] = await Promise.all([
+      fetch(incUrl, { signal: AbortSignal.timeout(2000) }),
+      fetch(balUrl, { signal: AbortSignal.timeout(2000) }),
+      fetch(cfUrl, { signal: AbortSignal.timeout(2000) })
+    ]);
+
+    if (incRes.ok && balRes.ok && cfRes.ok) {
+      const incData = await incRes.json();
+      const balData = await balRes.json();
+      const cfData = await cfRes.json();
+
+      const inc = incData?.[0] || {};
+      const bal = balData?.[0] || {};
+      const cf = cfData?.[0] || {};
+
+      const netIncome = inc.netIncome || 0;
+      const cfo = cf.netCashProvidedByOperatingActivities || cf.operatingCashFlow || 0;
+      const cfi = cf.netCashUsedForInvestingActivites || cf.netCashUsedForInvestingActivities || cf.investingCashFlow || 0;
+      const totalAssets = bal.totalAssets || 0;
+
+      const accruals = netIncome - (cfo + cfi);
+      const sloanRatio = totalAssets > 0 ? (accruals / totalAssets) * 100 : 0;
+      const sloanRegime = (sloanRatio > 10 || sloanRatio < -10) ? ('ANOMALY' as const) : ('SAFE' as const);
+
+      return {
+        sloanRatio: Number(sloanRatio.toFixed(2)),
+        sloanRegime
+      };
+    }
+  } catch (err) {
+    console.warn(`Error fetching FMP Sloan data for ${ticker}:`, err);
+  }
+
+  return getSimulatedSloan(ticker);
+}
+
 async function fetchFMPFundamentalData(ticker: string, apiKey: string) {
   try {
     const profileUrl = `https://financialmodelingprep.com/stable/profile?symbol=${ticker}&apikey=${apiKey}`;
@@ -426,10 +481,15 @@ export async function GET(request: Request) {
         ? getMockFundamentals(item.ticker)
         : await fetchFMPFundamentalData(item.ticker, fmpApiKey);
       
+      const sloan = useMock
+        ? getSimulatedSloan(item.ticker)
+        : await fetchFmpSloanRatio(item.ticker, fmpApiKey);
+
       return {
         ...item,
         ...fund,
-        dividendYield: fund.dividendYield ? Number((fund.dividendYield * (useMock ? 100 : 1)).toFixed(2)) : 0
+        dividendYield: fund.dividendYield ? Number((fund.dividendYield * (useMock ? 100 : 1)).toFixed(2)) : 0,
+        ...sloan
       };
     })
   );