Credit risk

Gain a deep understanding of credit trends and access valuable insights and extensive credit research from Moody's. 

Credit ratings and research from Moody’s Ratings, and forward-looking insights help investors conduct credit analysis and get a comprehensive view of global debt markets. Investors use our timely insights into the creditworthiness and risk profiles of diverse investments to make informed decisions.

Comprehensive data, company information, assessment reports and analytical tools provide detailed insights into each company you’re evaluating. Backed by pioneering AI technology, automation and advanced data science, Moody's opens a new level of possibility in credit risk assessment.

• We connect you to expertise from across Moody’s on the businesses you’re evaluating—both those with a credit rating from Moody’s Ratings and over 12,000 more without
  
  

• Compare like for like with all financial data standardized to Moody’s Chart of Accounts
  
  

• Draw on our real-time insights and signals to help spot potential risks ahead
   

• Perform scenario analysis and generate credit risk profiles using easy-to-view peer comparison charts and intuitive analytical tools such as Moody’s interactive scorecard tool based on credit rating methodologies of Moody’s Ratings and your qualitative inputs

Data Alliance is a collaborative effort between leading financial institutions and Moody’s to provide high-quality credit risk insights for portfolio-level benchmarking and data augmentation.

• Contains more than 200+ million C&I private firm financial statements, $18.3 trillion CRE balances covering 360+ MSAs, and more than 68% of all project finance loans having originated since 1983
  
  

• Moody’s leverages Data Alliance datasets to calibrate, regularly validate, and develop industry-standard credit risk models to address regulatory reporting needs and loan origination, portfolio, and monitoring practices
  
  

• Organizations often use Data Alliance to fill in data gaps in portfolios and conduct stress tests

Investors around the globe approach Moody's Ratings to give them a comprehensive view of global debt markets through our credit ratings and research.

Our robust and timely insights into the creditworthiness and risk profiles of diverse investments enable organizations to make informed choices.

Moody's Ratings allow issuers to create timely, go-to-market debt strategies and capture wider investor focus.

Moody's economic forecast scenarios are the foundation of "what if?" analysis, stress testing, and regulatory compliance. Clients from a broad range of industries use our scenarios to test the impact of shocks and differing economic assumptions on their businesses and portfolios.

• Forecasts for 100+ countries/jurisdictions and 12,000+ variables using our fully specified structural global macroeconomic model
  
  

• Each scenario is fully documented and updated monthly to reflect the latest economic data and expectations
  
  

• Support and insights from our award-winning team of global economists

Apply Moody’s time-tested credit risk models to assess the financial resilience of 450+ million pre-scored companies globally.

• Company coverage ranges from small businesses to conglomerates across 200+ countries and territories
  
  

• Automated credit risk measures, with the option to use your own data
  
  

• Even in the absence of timely financial statement information, continue to use reliable risk measures leveraging Moody's curated data, powered by sophisticated machine learning techniques

Early warning credit risk signals help you spot emerging risks and opportunities across your portfolio faster, which is increasingly important in uncertain economic environments.

• Forward-looking risk measures for every company in the dataset including Probability of Default (PD), Implied Ratings, and PD sector risk triggers
  
  

• Early warning signal flags for determining which companies are safe or not with better speed and accuracy
  
  

• Multiple risk assessments paint a fuller view of exposure risk: 300,000+ peer group comparisons, drivers of risks and sensitivities, financial and business risk insights, macroeconomic data, climate risk impact, news-based credit sentiment, firmographic/ownership details, trade payment trends, and more