T197 · Credit Risk Rating Calculator

Input financial ratios to derive an internal credit rating mapped to S&P, Moody's, and Fitch equivalents (AAA–D). Configurable by industry sector and counterparty type. Outputs rating scorecard, rationale narrative, Markdown memo, and Policy Mandate JSON credit profile. Client-side. Works offline. Zero PII.

Tool URL: https://ainumbers.co/tools/197-credit-risk-rating-calculator.html AP2/Policy Mandate export: yes

post/v1/tools/credit_risk_rating_calculator

Request

  • Base URL: https://ainumbers.co
  • URL: https://ainumbers.co/v1/tools/credit_risk_rating_calculator
  • Auth: none declared

Request body

counterparty_type'corporate' | 'bank' | 'sovereign' | 'sme' required
sector'general' | 'tech' | 'healthcare' | 'utilities' | 'realestate' | 'energy' | 'retail' | 'financial' required
weighting_profile'balanced' | 'leverage' | 'coverage' | 'liquidity' required
net_debt_ebitdanumber required

Net Debt / EBITDA ratio (×)

ebitda_interestnumber required

EBITDA / Interest Expense (×)

ebitda_marginnumber required

EBITDA Margin (%)

fcf_debtnumber required

Free Cash Flow / Debt (%)

current_rationumber required

Current Ratio (×)

debt_equitynumber required

Debt / Equity (%)

Response

Successful tool execution result

composite_scorenumber

Weighted composite score 0–100

internal_ratingstring

Internal rating grade e.g. BBB+

sp_equivalentstring
moodys_equivalentstring
fitch_equivalentstring
rating_category'ig' | 'hy' | 'dist'
scorecardobject[]
ap2_mandateobject

Changes

No recorded changes to this operation across all 1 revision of this API.