Credit & Risk
Navigate today’s complex global financial markets with definitive risk intelligence. Our unrivaled credit, market and operational risk insights help you discover the full picture about your customers, suppliers, counterparties, and investments.
Seeing risk clearly. It's your superpower.
We provide definitive risk intelligence, from our invaluable credit experience to unrivaled market and operational risk insights. With this Essential Intelligence, you can make decisions with conviction to transform uncertainty into action.
The need for robust credit and risk management solutions has never been greater
Assessing credit risk was once the domain of financial services firms, now it’s essential for all businesses looking for credit worthy counterparties. Financial risk analytics remains one of the most complex market segments and needs are expanding as climate, cyber security, geopolitical events and other concerns take hold.
Our industry leading suite of integrated solutions offers comprehensive support for credit risk assessment, operational and enterprise risk management, due diligence and regulatory compliance.
Credit Ratings
Today, investors have access to more information than ever before as markets become digitized and interconnected. Markets function best when investors of every type — from individual to institutional — draw on a wide variety of information to make educated, better-informed investment choices. Our mission is to provide high-quality, objective and independent analytical information to the marketplace. S&P Global Ratings is the world's leading provider of credit ratings. We have more than 1 million credit ratings outstanding on government, corporate, financial sector, and structured finance entities. We deliver global perspective with local insight, with coverage on 128 countries, our opinions and risk measurement are rooted in our experience and scale.
Issuer Credit Ratings
S&P Credit Ratings’ Issuer Credit Rating provides you with an independent opinion of your organization's overall creditworthiness and financial strength. It can be used as an information tool for capital markets participants and your organization's counterparties-banks, clients, suppliers, joint-venture partners, brokers, government agencies — even landlords.
Issue Credit Ratings
An Issue Credit Rating takes into consideration the creditworthiness of guarantors, insurers, or other forms of credit enhancement on the obligation as well as the currency in which the obligation is denominated. The opinion reflects our view of the obligor's capacity and willingness to meet its financial commitments as they come due, and may assess terms, such as collateral security and subordination, which could affect ultimate payment in the event of default.
Ratings360
Ratings360® provides rated issuers with a holistic picture of their organization’s credit story ratings, risk research and critical insights on one personalized dashboard.
Rating Evaluation Services
An analytical tool for rated or unrated entities that are considering strategic or financial initiatives that could impact their creditworthiness. At the request of a rated or unrated entity, we will provide feedback on the potential indicative ratings of the hypothetical scenarios presented by the entity. RES is typically used to evaluate the impact of restructurings, mergers & acquisitions, divestitures, or material changes in debt or capital structure.
A new playbook for issuers and investors in the debt markets
Looking ahead, some of the same challenges remain and other risks are emerging — all of which require a new playbook for issuers and investors in the debt markets.
Market Risk
Navigate complexity with confidence. With sophisticated technology powered by cloud computing and big data you can monitor market volatility, conduct stress tests and identify potential risk exposures.
XVA
XVA from S&P Global delivers deal-time insights to the front office XVA desk with a comprehensive view of the valuation adjustments arising from counterparty credit risk, funding, collateral, and regulatory capital.
Traded Market Risk
Future proof your market risk capabilities with our multi award winning Traded Market Risk management solution. Extend full revaluation of value at risk & stress testing into FRTB compliance with full support for the standard approach (SA) & internal model approach (IMA).
Buy Side Risk Management Solution
Buy Side Risk management solution from S&P Global incorporates Value at Risk (VaR), an efficient simulation engine, multiple decision support tools like Stress Testing, Back Testing and ‘What-if’ Scenarios. Available as a cloud service, we can help reduce your total cost of ownership and free up your internal resources to focus on your business priorities.
Economic and Country Risk
With comprehensive and consistent data, economic and risk forecasting models, granular country and sovereign risk assessments, comparative industry forecasts, commodity prices, and unmatched experience, we enable customers to identify and optimize opportunities, mitigate risks, and solve problems across the globe.
Credit Risk
Measure, monitor, and manage the credit risk of rated and unrated, public and private companies, of all sizes, worldwide, with an unbeatable combination of powerful analytics, robust data, unparalleled insights, and leading-edge technology that integrates AI in a meaningful way.
RatingsDirect
All the credit ratings data and insights you need on a powerful platform with a faster, reimagined user experience. Get a comprehensive view of credit risk with RatingsDirect®.
Credit Analytics
Reliably score and efficiently monitor your current and potential risk exposure to rated and unrated, public, and private companies across the globe with sophisticated models powered by robust data.
RiskGauge™ Desktop
Assessing your credit risk exposure to SMEs and private companies can be challenging and time consuming due to differing filing obligations, and inconsistent timeliness, availability and quality of data. RiskGauge Reports can streamline your counterparty credit risk assessment with comprehensive business credit reports for over 50 million companies, worldwide.
China Credit Analytics
Your one-stop for advanced credit insights on Chinese public and private companies, bond issuers, and government-related entities (GREs).
RatingsXpress™
Streamlined delivery of S&P Global Ratings data. Enhance your analysis with RatingsXpress®, one of the industry’s largest databases of current and historical credit ratings.
Credit Assessment Scorecards
Combine qualitative and quantitative drivers to identify and manage potential default risks of private, publicly-traded, rated, and unrated companies and government entities, across a wide range of sectors.
The answer to your end-to-end supplier risk management challenges
Understand Supplier Financial Health
Assess the financial strength for every single supplier by generating an aggregate credit score based on fundamentals and market-driven analytical models from Credit Analytics.
Automate the Supplier Risk Process
Access the correct information and evidence for global and local suppliers, including private companies, and seamlessly onboard your entire supplier population via our best practice Supplier Risk Management solution KY3P.
Monitor Supplier Strength
Easily monitor your supplier performance with tailored alerts providing early warning signals of significant deterioration in financial health scores provided with Credit Analytics and automated via KY3P.
Remediate Issues Quickly
Streamline and solve risk challenges outside of your core business with Managed Services that provide full life cycle support for the entire third-party risk management process.
S&P Global’s comprehensive approach to navigating climate risk challenges
Get a clearer view of your exposure with our latest generation climate models, geospatial data, ownership mapping and vulnerability pathways, and actionable financial impact analysis.
Science-based Methodology
Robust methodology leverages the latest available climate change models (CMIP6).
Financial Impact Assessment
Proprietary impact functions model the vulnerability of >250 unique asset types to the financial consequences of climate change hazards.
8 Climate Change Hazards
Consistent global coverage of eight key hazards: coastal flood, fluvial flood, extreme heat, extreme cold, tropical cyclone, wildfire, water stress, and drought.
Point-in-time Exposure
Physical risk scores represent point-in-time exposure to climate hazards.
3.1M+ Asset Locations
Built on a proprietary database of over 3.1 million asset locations linked to corporate entities and ultimate parent entities.
98% of Global Market Cap
Coverage of more than 20,000 companies representing over 98% of global market capitalization.
Our Climate Risk Solutions
Geopolitical and Country Risk
Our clients can rely on us to support their strategic and tactical plans whether they are expanding their global footprint, negotiating pricing, setting investment plans, protecting their assets, or trying to increase revenue.
With comprehensive and consistent data, economic and risk forecasting models, granular country and sovereign risk assessments, comparative industry forecasts, commodity prices, and unmatched experience, we enable customers to identify and optimize opportunities, mitigate risks, and solve problems across the globe.
Geopolitical Risk Intelligence Solutions
Our geopolitical risk intelligence solutions provide end-to-end coverage of political, violent, sovereign, banking and investment risk worldwide. We help companies anticipate and quantify critical external strategic business risks that might adversely impact their investments, personnel, interests, and assets anywhere in the world. Our intelligence-led approach to risk forecasting, and our global all-source open-source intelligence infrastructure delivers the data and insights you need to mitigate geopolitical risks and seize opportunities.
Country Insights
Risk Quantification
Scenarios and Monitoring
Risk Management Insights
The Evolution of the Fixed Income Markets
Ruth Yang, Managing Director and Global Head of Ratings Thought Leadership at S&P Global Ratings, joins the Seek & Prosper interview series to discuss the evolution of the fixed income markets. She delves into the changes over time, the increasing complexity of the market, and identifies future trends.
Visionaries Shaping Credit & Risk
S&P Global Market Intelligence
Jenny Paurys
Senior Vice President, Global Intelligence and Analytics business
S&P Global Sustainable1
Matthieu Bardout
Global Head of ESG Strategy, Banking & Insurance
S&P Global Market Intelligence
Clemens Thym
Global Head of Credit Solutions
Clemens Thym leads the Credit Solutions business that develops desktop, feed and API platforms such as the flagship RatingsDirect® and RatingsXpress ® products.
S&P Global Market Intelligence
Michelle P. Cheong
Director, Senior Lead of Product Development, RatingsXpress
Michelle P Cheong is Head of CreditPro® Product, Credit Solutions, where she owns product development, quality assurance, strategy, go to market, thought leadership and customer experience globally.
S&P Global Market Intelligence
Giorgio Baldassarri
PhD, Global Head, Analytical Development Group
S&P Global Market Intelligence
Rogier Binsbergen
Director and Commercial Lead EMEA, KY3P
S&P Global Market Intelligence
Peter Pernebo
Managing Director, Global Head of Third Party Risk Solutions