RapidRatings

Eamonn Mannion

Lucas Lindenlaub

Kailey Buxbaum

How your FHR works and how to read your report 

Understanding Your Rating

An introduction to the FHR: what it measures, the 0-100 scale, and how clients use it to assess the financial health of the companies they work with

About the Financial Health Rating (FHR)

How RapidRatings calculates the FHR from financial statements. Covers the three-stage model, how Core Health and Resilience interact, how CHS and FHR work together in decisions, and how Indicator Reports…

FHR Methodology Overview

Your risk category is one input among many. Here's what it measures and how to think about it

Understanding Your Risk Category

The basics: what your FHR is and what it means

Start Here

A step-by-step guide to understanding what moved your FHR and what to do about it

Why Did My FHR Change?

The financial ratios RapidRatings uses in the FHR calculation, grouped into performance categories covering profitability, cost structure, and capital structure

Ratios & Performance Categories

A deeper look at the FHR methodology for members who want the technical detail: model architecture, industry adjustment, and how the Core Health Score and default probability feed the final…

Advanced FHR Methodology

A walkthrough of the FHR History & Performance Category Analysis section: the FHR, CHS, EPD, & Simulated FHR figures shown at the top, the historical rating trend, & the seven…

How to Read Section 2 of Your FHR Report

How your score was derived and how to trace what's driving it

Why Your Score Looks the Way It Does

How RapidRatings classifies and allocates debt items from submitted financial statements, and why consistent debt allocation matters for comparable ratings

RapidRatings' Policies on Debt Allocation

Why RapidRatings' methodology uses operating profit (EBIT) rather than EBITDA as its primary profitability signal, and what that means for how members should read their FHR Report

Why does my report prioritize operating profit (EBIT) over EBITDA?

A closer look at two ratios featured in FHR Reports: Return on Capital Employed (ROCE) and Free Cash Flow to Total Cash Expenditure, including what each measures and why it…

Understanding ROCE & FCF to Total Cash Expenditure

Why the FHR is calculated from quantitative financial data only, what counts as quantitative versus qualitative, and how to communicate qualitative context (growth plans, PE backing, strategic contracts) to your…

What Data Goes Into Your FHR

How RapidRatings annualizes interim financial data on a trailing 12-month basis. Covers the three annualization methods, how to submit for the most accurate rating, and why interim figures on your…

How RapidRatings Handles Interim Periods

How the Simulated FHR works: the model's view of your rating if abnormal items such as restructuring costs, impairments, or M&A costs were excluded. Covers what counts as abnormal, how…

Simulated FHR

How we handle specific data and reporting scenarios

Report Mechanics & Data Handling

How RapidRatings assigns your company to an industry model and sector allocation, and why industry-specific analysis produces a more accurate rating

Industry & Sector Allocation

How the FHR works for companies outside the US and across different accounting conventions. Covers the model's global design, how it absorbs variation in reporting standards, and why industry differences…

International Applicability

The small number of entity types that fall outside the FHR model and how financial firms are rated using a specialized report instead

Companies RapidRatings Cannot Rate

How does RapidRatings rate banks, financially diversified companies, and insurance companies?

Rating Banks, Financial Diversified, & Insurance Companies

How industry, geography, entity type, and financial data specifics affect your rating

How the Rating Applies to Different Companies

How to flag a genuine data error and how that's different from a normal rating fluctuation

Correcting Misallocated Line Items

Your report is fully standardized. Here's what that means for you and how to fill in the rest

Can I customize my report beyond what is auto generated?

Troubleshooting and report change requests

Report Support

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