Products & Services | Corporate / Financial Institutions | Ratings and Research

We provide corporate credit ratings, in-depth analyst commentary and offer a unique perspective in debt research. Our analysts use a consistent approach that focuses on fundamental analysis, field research, competitive advantage research, and cash-flow modeling. Our emphasis on analyzing competitive advantages— what we term economic moats—is the cornerstone of Morningstar’s methodology, and it differentiates our research from that of other providers.

Standing behind our research is an experienced and seasoned team of credit analysts with a deep understanding of all aspects of corporate finance, including credit modeling, fundamental credit risk analysis, industry analysis and legal and structural concepts. We build our analytical teams by taking advantage of diverse backgrounds, which allows our clients to benefit from the experience gathered at rating agencies, banks, fund management companies, insurance companies, and legal firms.

Morningstar has created a transparent framework for our credit ratings built from four quantitative and qualitative metrics—Business Risk, Morningstar® Cash Flow Cushion™ Morningstar® Solvency Score™ and Distance to Default—provides the basis for Morningstar corporate and financial institution credit ratings. Our analysts use a consistent approach that focuses on fundamental analysis, field research, competitive advantage research, and cash-flow modeling. Our emphasis on analyzing competitive advantages—what we term economic moats—is the cornerstone of Morningstar’s methodology, and it differentiates our research from that of other providers.

Morningstar makes credit ratings available to help institutions, advisors, and individual investors make informed decisions about investing in bonds. Clients can integrate our corporate credit research with their existing systems, or access our corporate credit ratings through several Morningstar products.

Click the full Ratings and Research marketing document to the right to learn more.

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