We don't just rank companies.
We reveal their financial truth.
RealRate analyzes financial statements with causal AI — not correlation — to explain the why behind every rating. Transparent, objective, and interpretable by design.
Independent · Data-driven · No black boxes
Economic Capital Ratio — trailing 8 quarters
LIVE MODELTop rated — Life Insurance 2026
Explainable AI is the heart of everything we do
Our causal graphs go beyond the numbers to explain the “why” behind financial performance — transparency unmatched in the industry.
Transparency
No guesswork. Every score comes with a full breakdown of contributing factors, so you see exactly why a company is rated the way it is.
Reliability
Backed by deep economic modeling. Objective data, a scientific process, and stable outcomes — free of politics and opinion.
Innovation
Beyond static credit scores. A dynamic, AI-driven valuation system that evolves with the real world.
Fairness
Unbiased and equitable by design. Companies are rated solely on true economic performance and risk — nothing else.
Economic theory meets artificial intelligence
The Economic Capital Ratio — company valuation over total assets — anchors every analysis as a robust indicator of financial health. Every result is independent, explainable, and rooted in fact.
Ingest financial statements
Public filings and statements feed the model — objective data only, no market hype or analyst opinion.
Causal inference, not correlation
Advanced causal modeling grounded in economic theory identifies what truly drives performance.
Explainable output
Ratings ship with causal graphs and reports showing exactly how each metric affects the outcome.
Causal graph — sample company
EXPLAINABLEFind the solution built for you
Rated companies, investors, sales, procurement, data teams — answer two quick questions and see exactly how RealRate helps in your role.
Award-winning explainable AI
The RealRate seal on the financial strength of German life insurers is a valuable element in our customer communication. As neutral, scientifically based proof of our financial strength, it builds trust with our customers and partners.
Where finance meets integrity
Real data. Real intelligence. RealRate. Book a free call and see your company through the lens of explainable AI.