The QXFin guide
Understanding financial risk intelligence.
A practical guide to company financial health, credit risk and market intelligence. Understand what the signals mean, how the methods differ and how to use them in your research.
QXFin is a financial risk intelligence platform. It transforms information into proprietary analysis, signals, scores and explanations so individual investors, researchers and financial professionals can examine what the evidence implies about risk.
What is financial risk intelligence?
Financial risk intelligence turns company, financial, market and contextual information into an assessment of risk. It connects quantitative analysis with explanations of the signals, assumptions and evidence behind a conclusion, helping people evaluate a company or investment in context.
In QXFin
QXFin combines proprietary quantitative models with AI Research Agents to produce financial health scores, default-risk estimates, investment analysis and market signals for public and private companies. Start with a company name or ticker, then examine the drivers behind the analysis.
Explore the financial risk intelligence platformWhat does financial risk include?
Financial risk is the possibility of financial loss or an outcome that differs from expectations. A company’s risk picture can include its ability to meet obligations, exposure to market movements, and dependencies on suppliers, customers or other parts of the financial system.
In QXFin
QXFin brings company health, default probability, governance, sentiment and network exposure into a connected view. Peer comparisons and scenarios help users examine how that picture changes with the assumptions they make.
See financial risk profilingHow is credit risk assessed?
Credit risk concerns whether a borrower can meet its financial obligations. Analysis considers financial condition, debt, cash flows and other evidence of repayment capacity. Probability of default is one model-based estimate used in that assessment; its interpretation depends on the model and its assumptions.
In QXFin
QXFin’s QX PD uses a q-Gaussian approach to default-risk modeling that accounts for heavy-tail behavior. Users can review default risk alongside company health, governance, sentiment and sourced credit research memos.
Read about default risk and heavy-tail modelsWhat does a company’s financial health tell you?
Financial health describes a company’s current financial condition and resilience. It is assessed through measures such as liquidity, leverage, profitability and cash flow. Looking at those measures together provides more context than any single ratio or stock price.
In QXFin
The QX Health Score™ summarizes current company financial health and risk classification. QXFin lets users explore the drivers behind the score, compare peers and review scenarios for public and private companies.
Explore the QX Health Score and its driversHow do credit ratings and financial risk scores differ?
A credit rating expresses an opinion about the creditworthiness of a borrower or debt obligation. A financial risk score summarizes the factors selected by a particular analytical method. The two can have different scopes, scales and time horizons, so their methodologies matter when comparing them.
In QXFin
QXFin provides proprietary analytical scores, default-risk estimates and explainable research. Interpret a QX Health Score or QX PD using its own methodology; it should not be treated as interchangeable with a credit rating issued by a rating agency.
Understand QXFin’s analytical scoresFurther reading: SEC investor guide to credit ratings
What is investment viability analysis?
Investment viability analysis examines the financial case for an investment by considering its valuation, growth, capital discipline and income characteristics. It helps compare opportunities and identify trade-offs, alongside an assessment of company and market risk.
In QXFin
QXFin’s Investment Viability Score combines these dimensions into an explained score. Users can examine its components and weighting, compare companies and review the underlying assumptions as part of their own investment research.
Explore investment viability analysisWhat does market intelligence add to company research?
Market intelligence puts an individual company or investment in the context of broader market conditions. In financial risk analysis, that includes price behavior, volatility, relationships between instruments and changes in market structure that may affect an investment’s risk.
In QXFin
QXFin produces analytical signals from market information. Its Market Shape intelligence examines structural behavior so users can consider market context alongside company financial health and investment viability.
Explore QXFin’s market risk intelligenceWhat is QXFin Market Shape intelligence?
Market Shape is QXFin’s approach to examining the structure of financial markets through Topological Data Analysis and related mathematical methods. It focuses on structural change, fragility and regime behavior, complementing measures such as price and volatility.
In QXFin
Users can explore Market Shape signals, parameter controls and methodology views for supported instruments and market series. These signals provide context for emerging risk patterns and should be interpreted alongside other evidence.
Read the research perspective on Market ShapeHow does Topological Data Analysis apply to financial markets?
Topological Data Analysis (TDA) studies the shape and structure of data. In financial time series, methods such as persistent homology can track structural patterns as relationships evolve. This offers a way to study market behavior alongside conventional statistics such as averages, correlations and volatility.
In QXFin
Research relevant to QXFin’s Market Shape approach explores topological changes in financial time series around periods of market stress. The research informs the methodology; it does not establish a guarantee that a signal will predict a future market event.
Read the introduction to Topological Data AnalysisFurther reading: Research paper: Landscapes of Crashes
What do AI Research Agents do in financial analysis?
AI Research Agents coordinate research tasks such as gathering information, reconciling sources and synthesizing findings. In financial analysis, they help connect financial statements, filings, documents and market context into research that a person can review.
In QXFin
QXFin’s agents work with proprietary quantitative models to produce structured research memos and explanations. Source traceability and review of estimates help users examine the evidence behind the output and apply their own judgment.
See the AI Research Agent credit memo workflowHow does QXFin use AI for financial markets?
AI for financial markets includes methods for interpreting documents, identifying patterns and supporting investment and risk research. The value of an analysis depends on its inputs, methodology and the ability to explain and review the result.
In QXFin
QXFin combines AI Research Agents with quantitative models for company and market risk. Individual investors and financial professionals can use the platform directly; institutions can integrate QXFin intelligence with their existing systems and proprietary information.
See how AI and quantitative models work togetherHow does analysis differ for private companies?
Public-company analysis can draw on filings and market information. For private companies, incomplete information makes documents, peer comparisons and clearly identified estimates especially important. QXFin supports both workflows and lets users review sources, validate estimates and adjust assumptions.
Explore private-company financial risk analysisFollow the methods and the evidence.
Explore QXFin’s scientific foundation and the research behind its approach to company and market risk.
Put financial risk intelligence to work.
Start with a company name or ticker. Explore financial health, credit risk, investment viability and market context in one workspace.
Working with an institution? Explore QXFin Enterprise