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We capture and treat private company information for better decision making and increased efficiency, so we’re ideally suited to help corporate credit professionals.
Orbis, our global company database offers:
Credit Catalyst is a platform where you can combine information from Orbis with your own knowledge of your customers and get dashboard views of your portfolio.
Credit Catalyst pulls relevant information from our extensive Orbis entity database. You can then combine this with your own knowledge of your counterparties to assess risk and make better decisions.
The information on Orbis comes from more than 170 partners, as well as hundreds of our own sources, around the world.
We then treat, append and standardize it to make it richer, more powerful and easier for you to interrogate.
So you can:
Our dashboards give you an instant view of your portfolio, highlighting where your risk is. So you can focus your resources appropriately.
You can create benchmark values, compare companies’ financial health and measure your own internal ratings against them. Variables include probability of default, propensity to become bankrupt, suggested credit limit, plus other predictive indicators and risk scores. There are three key scores:
The financial score assesses the creditworthiness of a company, grading companies based on how well they can meet their financial commitments. It’s a probability of default model, based on the analysis of financial statements. It’s a through-the-cycle probability of default (TTC PD). The output is tied to the closing date of a set of accounts, it also analyses key financial ratios, which are scored independently. There are four categories:
The model also includes the probability of default which reflects the degree of certainty (in quantitative terms) that the company will go into default in the next 18 to 24 months, a confidence level, and a recommended credit limit.
Detailed financial data is simply not available for many companies so we also offer the qualitative score. This score measures the creditworthiness of a company based on non-financial information such as strength of shareholders, country specific risks, longevity of the company, legal form and sector-specific risks. The model also includes a confidence level and qualitative credit limit.
This adjusted score is created using modelling that’s been adapted to be more sensitive to the economic environment by taking specific sector and regional factors into account. It uses the financial score to reflect current creditworthiness with several quantitative variables, such as sector and macroeconomic factors, to forecast the financials of a company based on ‘impact scenarios’. These impact scenarios are reviewed regularly to offer a score that is more sensitive to market conditions.
Sourcing stories from a range of newswires and news aggregators, we then apply machine learning to create a new Sentiment Score based on negative news. This powerful application of AI is not only an efficient news filter, but also delivers valuable early warning indicators. Our research shows that credit sentiment scores increase, six to eight months before major credit events.
Our new spreading tool harnesses the power of machine learning, combined with a human expert to check the output, for super-fast and accurate financial spreads.
Simply upload the financial data in pdf format and get the output delivered seamlessly either in your own ‘private Orbis zone’ or your Catalyst portfolio.
The company’s financials are spread into the standard Orbis financial format, so you can:
This tool is powered by the award-winning QUIQspread™ from Moody’s Analytics. The tool works with Orbis, Credit Catalyst and Procurement Catalyst. It’s ideal if you have financials for a company in more detail than are available in Orbis, or a more recent version has been sent to you directly.
We have the most comprehensive information on private companies available. In many countries, financials for private companies are readily available. For other countries, we can usually provide financial summaries or other information to help you confirm a company exists.
We complement financial data with other information that can help you assess credit risk. This includes a qualitative score that evaluates companies on non-financial data and peer performance. We also provide ownership information so you can assess the holding company.
We have very detailed financial data for companies across the globe. We’re completely transparent about our coverage and you can trial our data to check it out for yourself.
Credit Catalyst allows you to create your own models so your assessment is completely determined by you, your risk appetite and internal definitions.
Credit Catalyst makes it simple to blend your data with ours.
You can take data directly from Orbis into your in-house systems using web services. We have pre-existing apps for many credit systems already.
You can also take the analysis from Credit Catalyst into your own systems, and use your own Excel templates via our Excel Add-In. Contact us to find out more.
Our financial strength models include probability of default and a confidence level.
Depending on the filing requirements for a country we can have financial data even for small companies. Our range of complementary data will also help you assess a company – as will our qualitative scores that use non-financial and peer data to score a company. We recommend a free trial so you can test the data for yourself.