diff --git a/src/app/api/v1/reports/financial/route.ts b/src/app/api/v1/reports/financial/route.ts
index 997d32c1..23336372 100644
--- a/src/app/api/v1/reports/financial/route.ts
+++ b/src/app/api/v1/reports/financial/route.ts
@@ -14,6 +14,7 @@ import {
   getRecentPayments,
   getRefundLog,
   getExpenseLedger,
+  financialHasData,
 } from '@/lib/services/reports/financial.service';
 
 /**
@@ -65,6 +66,7 @@ export const GET = withAuth(
         recentPayments,
         refundLog,
         expenseLedger,
+        hasData,
       ] = await Promise.all([
         getFinancialKpis(ctx.portId, range),
         getRevenueByMonth(ctx.portId, range),
@@ -76,6 +78,7 @@ export const GET = withAuth(
         getRecentPayments(ctx.portId, range),
         getRefundLog(ctx.portId, range),
         getExpenseLedger(ctx.portId, range),
+        financialHasData(ctx.portId),
       ]);
 
       return NextResponse.json({
@@ -90,6 +93,7 @@ export const GET = withAuth(
           recentPayments,
           refundLog,
           expenseLedger,
+          hasData,
           range: { from: range.from.toISOString(), to: range.to.toISOString() },
         },
       });
diff --git a/src/lib/services/reports/financial.service.ts b/src/lib/services/reports/financial.service.ts
index 1e9199fa..6dd7100b 100644
--- a/src/lib/services/reports/financial.service.ts
+++ b/src/lib/services/reports/financial.service.ts
@@ -630,3 +630,23 @@ export async function getExpenseLedger(
   }
   return out;
 }
+
+/**
+ * Window-independent existence check: does this port have any payment OR
+ * expense? Drives the Financial report-level empty state.
+ */
+export async function financialHasData(portId: string): Promise<boolean> {
+  const [pay, exp] = await Promise.all([
+    db
+      .select({ one: sql<number>`1` })
+      .from(payments)
+      .where(eq(payments.portId, portId))
+      .limit(1),
+    db
+      .select({ one: sql<number>`1` })
+      .from(expenses)
+      .where(eq(expenses.portId, portId))
+      .limit(1),
+  ]);
+  return pay.length > 0 || exp.length > 0;
+}