Banking & credit analytics · Moody's Corporation

Moody's Analytics

Credit risk, economic forecasting and regulatory-compliance analytics that banks use for underwriting, loss forecasting and stress testing.

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Moody's Analytics supplies the credit-risk models, macroeconomic scenario data and reporting tools that bank risk and finance teams use to underwrite loans, forecast losses and satisfy regulators. Its models cover probability of default, loss given default and exposure at default for commercial, retail and CRE portfolios (RiskCalc, CreditLens), while its economics arm publishes the scenario forecasts many banks use for CECL, IFRS 9 and stress-testing exercises such as CCAR. Delivery ranges from hosted analytics to on-premises model deployment integrated with a bank's own loan systems. Where FICO Platform focuses on real-time transactional decisioning, Moody's Analytics is oriented toward portfolio-level risk measurement, capital planning and the macroeconomic data behind it, drawing on its parent's ratings and credit-research heritage.

At a glance

Vendor Moody's Corporation
Pricing model Quote only
Free tier No
Deployment Cloud, Self-hosted
Open source No
Best for Bank risk, treasury and finance teams handling credit underwriting, loss forecasting and regulatory stress testing.

Pricing

Enterprise licensing by module, data feed and institution size; not published.

Pricing has not been verified yet — see the vendor's site.

Features

  • PD/LGD/EAD credit risk models for commercial and retail portfolios
  • CECL and IFRS 9 loss-forecasting tools
  • Macroeconomic scenario forecasts for stress testing
  • Commercial real estate and middle-market risk analytics
  • Rating and credit assessment tools (RiskCalc, CreditLens)
  • Regulatory capital and stress-test reporting

Integrations

Profile last reviewed September 21, 2026

Head to head

Alternatives

FICO Platform Enterprise decisioning platform unifying FICO's credit scoring, fraud and AI models for real-time decisions across the banking lifecycle. Abrigo Compliance and credit-risk software suite for community banks and credit unions, covering CECL, BSA/AML and portfolio risk analytics. Experian Ascend Cloud analytics sandbox that lets lenders blend Experian credit bureau data with their own data to build and monitor risk models.

Moody's Analytics in the index now

Terms to know

Predictive analytics Analytics that uses historical data and statistical models to estimate what is likely to happen next. Regression analysis A statistical method for estimating the relationship between one outcome variable and one or more predictor variables. Loss given default (LGD) The share of an exposure a lender expects to lose if a borrower actually defaults, after recoveries. Probability of default (PD) The estimated likelihood that a borrower fails to make required payments on a debt within a given time horizon.

Related guides

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