Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral burden. It transparently explains the read-style comparison behavior, the meaning of an empty date (most recent business day), and the output fields (close, change rate, volume, market cap). It does not explicitly state that it is non-mutating, but the comparison semantics make that clear.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.