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Credit risk

Risks in the world today are becoming increasingly complex, interconnected, and harder to predict.

Moody's combines over a century of expertise in risk with advanced technology to provide extensive data, actionable insights, and robust analytics to navigate uncertainty, strengthen your credit risk assessment, and unlock the opportunities of a world changing at pace

It's not just the globally recognized credit ratings you expect from Moody's Ratings. Today, we take you further than ever.

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What we do

Blending market-leading research and insights with cutting-edge AI and machine learning technology, we put the breadth, rigor, and expertise of Moody’s behind every offering to deliver essential insights in a way that connects seamlessly with how you work—now and in the future.

01
Expansive coverage

We connect you to expertise from across Moody’s on the businesses you’re evaluating—with our global coverage of credit insights for over 460 million entities. 

02
Benchmarking with ease

Moody’s comprehensive coverage combined with standardized financials and powerful analytical tools make benchmarking a straightforward, seamless exercise.

03
Integrated decision tools

We help you monitor portfolios, manage exposures, and anticipate risks, so you can stay ahead of challenges, rebalance risk, and identify new opportunities.

04
Award winning research

Moody's connects the highest-quality, award-winning research, rigorous analysis and rich, detailed insights on each company you’re tracking.

05
An experienced team

When you need an extra level of insight, our analysts can provide a focused response, which can help you make better credit decisions.

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Speak to our team today

Get in touch

Introducing Moody's Research Assistant

Combining the latest in GenAI technology with Moody’s proprietary data, including credit ratings and research from Moody’s Ratings, Moody’s Research Assistant empowers our customers to unlock deeper insights into risk in an instant.

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What’s new

ESGView

Get a complete view of ESG risks and opportunities from a trusted source.

Moody’s ESGView is a comprehensive platform leveraging Moody’s extensive ESG and climate expertise and more than a century of trusted credit insights, expertise, and analytics to aid you in developing an integrated view of company-level ESG risks and opportunities.

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Expanded coverage

More companies, more insights, all in one place.

We have tripled the corporate coverage in CreditView by adding a comprehensive view on over 12,000 entities that are not rated by Moody’s Ratings. Our expanded coverage gives you a holistic view of risk for the public and private companies you’re analyzing. 

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Climate impact on credit risk

Understand the financial impact of climate change on a company.

We help you understand how global warming and different policy responses affect future company performance. Better assess the potential impact of climate risk on your portfolio and meet emerging regulatory requirements. 

Learn more

How we help

01 Research and insights

Research and insights

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.

02 Data and analytics

Data and analytics

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

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

More on Data Alliance
03 Credit ratings

Credit ratings

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.

More on ratings
04 Economic scenarios

Economic scenarios

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

More on economic data
05 Modeling and scoring

Modeling and scoring

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 detection of risk

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

More on our risk assessment solution

Research and insights

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.

Data and analytics

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

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

More on Data Alliance

Credit ratings

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.

More on ratings

Economic scenarios

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

More on economic data

Modeling and scoring

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 detection of risk

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

More on our risk assessment solution
Testimonial

”We’re impressed with the early warning framework. Our current internal system is based on market observable metrics, and we realize we need to go beyond that. The new Early Warning Signal will be a much-needed addition.”

- Chief Executive Officer
Large European Bank

Who we help

01 Banking

Banking

Our comprehensive credit risk assessment solutions support banks by integrating credit ratings and research from Moody's Ratings, along with research, data, and content from Moody's. Banks can efficiently evaluate core credit information or explore an array of credit ratings, probability of default scores, peer analysis, research, and financial data.

Our leading tools also enable banks to compare financial performance and gain broad perspectives on key topics and sectors to better understand the relevant trends and drivers that shape credit quality.

More on banking
02 Buy-side

Buy-side

Access to the comprehensive credit ratings and research of Moody’s Ratings comprehensive credit ratings and research is essential for asset owners, asset managers, and investment consultants to ensure stronger portfolios and maximize returns.

Moody’s offers a comprehensive suite of solutions including credit risk models, macroeconomic analysis, news sentiment analysis, and entity data. These capabilities enable better investment decision making, risk management, and portfolio optimization, ultimately helping to minimize downside risk and maximize upside return potential.

More on buy-side
03 Corporations

Corporations

We support corporations around the globe by integrating credit ratings and research from Moody's Ratings, along with research, data, and content from Moody's. Companies can efficiently evaluate core credit information and confidently make key business decisions.

We help corporations monitor the increased risk of their counterparties and adapt terms and conditions in advance of defaults or delayed payments. It’s even a leading solution for client/supplier prequalification and monitoring. Scenario-conditioned early warning signals also help corporates determine risk and growth opportunities.

More on corporations
More on trade credit
04 Public sector

Public sector

Governments, like other entities, need to assess and manage their credit risk exposure to ensure their financial stability and sustainability.

Our OECD-compliant solution for credit risk and interest rate pricing of intercompany financial transactions assists governments across the globe in tax and auditing.

Moody’s global macroeconomic scenarios provide forward-looking insights used by government and regulatory bodies to determine risks and opportunities across regions, countries, and industries.

More on public sector
05 Insurance

Insurance

We enable insurers to quickly access core credit information or explore a full suite of credit ratings and research from Moody’s Ratings. Insurers can also gain valuable insights into critical insurance topics and sectors, enhancing their understanding of relevant trends and drivers that shape credit quality.

By leveraging Moody's market and economic indicators, we provide timely alerts for credit deterioration and rating transitions tailored to the insurance industry. We extend direct global access to our analysts, ensuring knowledgeable support for insurers.

More on insurance

Banking

Our comprehensive credit risk assessment solutions support banks by integrating credit ratings and research from Moody's Ratings, along with research, data, and content from Moody's. Banks can efficiently evaluate core credit information or explore an array of credit ratings, probability of default scores, peer analysis, research, and financial data.

Our leading tools also enable banks to compare financial performance and gain broad perspectives on key topics and sectors to better understand the relevant trends and drivers that shape credit quality.

More on banking

Buy-side

Access to the comprehensive credit ratings and research of Moody’s Ratings comprehensive credit ratings and research is essential for asset owners, asset managers, and investment consultants to ensure stronger portfolios and maximize returns.

Moody’s offers a comprehensive suite of solutions including credit risk models, macroeconomic analysis, news sentiment analysis, and entity data. These capabilities enable better investment decision making, risk management, and portfolio optimization, ultimately helping to minimize downside risk and maximize upside return potential.

More on buy-side

Corporations

We support corporations around the globe by integrating credit ratings and research from Moody's Ratings, along with research, data, and content from Moody's. Companies can efficiently evaluate core credit information and confidently make key business decisions.

We help corporations monitor the increased risk of their counterparties and adapt terms and conditions in advance of defaults or delayed payments. It’s even a leading solution for client/supplier prequalification and monitoring. Scenario-conditioned early warning signals also help corporates determine risk and growth opportunities.

More on corporations
More on trade credit

Public sector

Governments, like other entities, need to assess and manage their credit risk exposure to ensure their financial stability and sustainability.

Our OECD-compliant solution for credit risk and interest rate pricing of intercompany financial transactions assists governments across the globe in tax and auditing.

Moody’s global macroeconomic scenarios provide forward-looking insights used by government and regulatory bodies to determine risks and opportunities across regions, countries, and industries.

More on public sector

Insurance

We enable insurers to quickly access core credit information or explore a full suite of credit ratings and research from Moody’s Ratings. Insurers can also gain valuable insights into critical insurance topics and sectors, enhancing their understanding of relevant trends and drivers that shape credit quality.

By leveraging Moody's market and economic indicators, we provide timely alerts for credit deterioration and rating transitions tailored to the insurance industry. We extend direct global access to our analysts, ensuring knowledgeable support for insurers.

More on insurance

Case studies

case study
Unraveling the hidden risks behind Jenny Craig’s default
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case study
Moody’s implied rating provided a U.S. energy service firm clean, consistent risk assessment for public and private companies
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case study
EDF-X gave first signs of risk for Bed, Bath and Beyond in late 2018
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News and views

article

Jul 30, 2024

 Moody's
Moody’s receives Best Credit Risk Solution Provider and Best Low-Latency Data Feed Provider from WatersTechnology

Moody’s has been named Best Credit Risk Solution Provider and Best Low-Latency Data Feed Provider in the Waters Rankings 2024. Voted on by thousands of end users, the annual Waters Rankings recognizes the industry’s technology and data providers’ innovations, and achievements over the previous 12 months.

  • Credit risk
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research
Moody's Ratings
Private credit continues to push new strategic frontiers, along with risks

As private debt markets expand, performance dispersion is appearing in private credit portfolios – a stark reminder that performance dispersion may only reveal itself when credit challenges emerge.

  • Credit risk
  • Private credit
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whitepaper
Moody's
EDF-X early warning system at a glance

A good early warning system requires robust measures of credit risk, straightforward decision rules and a framework for turning signals into action. The EDF-X Early Warning System includes these elements and is well suited for credit market professionals hoping to identify at-risk exposures well in advance of a negative credit event.

  • Credit risk
  • Corporations
Read more
research
Moody's Ratings
Private credit

Look to Moody’s for comprehensive, in-depth opinion on private credit risk across a full range of investment vehicles, including business development companies (BDCs), asset managers and middle market collateralized loan obligation (MM CLO) tranches.

  • Credit risk
  • Private credit
Learn more
whitepaper
Moody's Ratings
Top of mind – corporates

Top of Mind answers the questions that investors most frequently ask our industry experts. Explore our latest perspectives across six key corporate sectors.

  • Credit risk
  • Corporations
Read more
article
Moody's
Is the party over for highly leveraged seasonal retailers?

Party City Holdco Inc., the parent company of the popular party goods retailer Party City, filed for Chapter 11 bankruptcy in January 2023. The company joined a slew of retailers that have been struggling in the past year.

  • Credit risk
  • Corporations
Read more
research
Moody's Ratings
ESG credit

Investors face a multitude of intersecting risks, including from environmental, social and governance (ESG) factors. Browse Moody’s thought leadership for a heightened understanding of how ESG considerations shape credit strength.

  • Credit risk
  • ESG risk
Learn more
article
Moody's
Harness nontraditional credit data to eliminate the blind side of credit management

Discover the emerging game-changers that are taking the guess work out of credit management.

  • Credit risk
  • Corporations
Read more
research
Moody's Ratings
Interest rate cuts still on the table for resilient global economies

We increased growth forecasts for the US, China and a few other countries, though a modest slowdown is ahead. Elevated rates and geopolitical risks will cap growth.

  • Credit risk
Learn more

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Speak to our team

Interested in learning more about our offerings? Our solutions specialists are ready to help.