Our ratings are fact-based, fully automated and industry-specific. A structural neural network analyses each company's published annual report and explains the result with a colored causal graph.
RealRate evaluates companies, not products. Every rating is derived from the figures a company itself publishes in its annual report, so the assessment is objective and comparable across an entire industry. We answer the questions that matter to customers, partners and investors:
The central figure of a RealRate analysis is the economic equity ratio — equity measured at fair value in relation to total assets. It expresses, in a single robust number, how much genuine economic capital cushions the business against risk. A higher ratio means a stronger, more resilient company.
We look at the company as a whole rather than isolated products.
The model traces how each figure drives financial strength across the value chain — not just which figures happen to correlate with it.
Balance-sheet items are revalued to their economic (fair) value instead of being taken at book value.
Only publicly available, audited data from annual reports is used.
The analysis is based on the most recent annual report available.
A purpose-built AI that is explainable by design.
RealRate makes financial strength transparent by looking at available equity, hidden reserves, debts and income or profitability. The focus is on economic capital — the market value of assets minus the market value of liabilities — which reveals the true safety cushion behind the reported numbers.
RealRate is not a credit rating agency. We are not a nationally recognized statistical rating organization (NRSRO) in the US and are not supervised by a financial regulatory authority such as the SEC or BaFin. We investigate a company's financial health from a customer perspective.
