
AI-based company credit rating and financial condition report generator
Posted on 23 May 2025 in projects
In this project I designed pipeline that converts raw financial statements and market data into a fully formatted credit-rating dossier in less than one minute. The application produces a narrative assessment, multi-year ratio analysis, 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.
- 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.
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).