Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and destructiveHint=false, so the safety profile is covered. The description only restates the output concept ('financial ratios') without adding behavioral context such as the ratio categories covered, data source, time period, or how open-world results are organized.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.