AI-based company credit rating and financial report generator
Posted on 18 June 2025 in projects
In this project I designed pipeline that converts raw financial statements and company data into a fully formatted credit-rating dossier. The application produces a narrative assessment, multi-year ratio analysis, yer-to-year comparison and a suite of visualisations each generated dynamically at runtime.
Functional Overview
- Data acquisition – The service ingests three years of balance-sheet, income-statement, and cash-flow data together with current market quotations.
- Analytical engine – A carefully curated Expert-Investor system prompt guides OpenAI o3 and Claude 3.7 sonet to draft commentary in German, embedding all referenced figures verbatim for improved traceability. Guard-rails prevent from wrong output formatting, validate and correct data if any issue is detected. Analysis consists multiple stages where output of single LLM with secialized prompt is passed to another LLM with different instructions and by such multi stage reasoning, complete, repeatable and high quality of expertise is achived.
- Credit scoring – Liquidity, solvency, and profitability ratios are computed and weighted to deliver an internal credit rating.
- Visual presentation – Matplotlib/Seaborn charts (trend lines, ratio heat maps) are embedded directly into the final PDF.
Business Value
Automated, audit-ready financial commentary shortens the traditional analyst workflow and enables decision-makers without a finance background to evaluate corporate health immediately.
>>> see sample report <<<
For more technical details and guidance how to approach such topic please refer also to my article “Building Financial Reports with FinGPT and Claude 3.7 Sonnet” (Medium, May 2025).