A.M. Best Company is a global full-service credit rating agency dedicated to serving the insurance industry. It began assigning credit ratings in 1906, making it the first of today’s rating agencies to use symbols to differentiate the relative creditworthiness of companies. Best’s Credit Ratings are independent opinions regarding the creditworthiness of an issuer or debt obligation. Best’s Credit Ratings are based on a comprehensive quantitative and qualitative evaluation of a company’s balance sheet strength, operating performance and business profile, or, where appropriate, the specific nature and details of a debt security.
With offices in 23 countries and a history that dates back more than 150 years, Standard & Poor’s is known to investors worldwide as a leader of financial- market intelligence. Today Standard & Poor’s strives to provide investors who want to make better informed investment decisions with market intelligence in the form of credit ratings, indices, investment research and risk evaluations and solutions. Standard & Poor’s is a leading provider of financial market intelligence. The world’s foremost source of independent credit ratings, indices, risk evaluation, investment research and data, Standard & Poor’s is an essential part of the world’s financial infrastructure. For more than 150 years, Standard & Poor’s provides financial decision-makers with the intelligence they need to feel confident about their decisions.
Dual-headquartered in New York and London with 51 offices worldwide, Fitch Ratings is a global rating agency dedicated to providing value beyond the rating through independent and prospective credit opinions, research and data. Offering a world of knowledge and experience behind every opinion, they transform information to deliver meaning and utility to investors, issuers and other market participants. Fitch Ratings’ global expertise draws on local market knowledge and spans across the fixed-income universe. The additional context, perspective and insights they provide help investors make important credit judgments with confidence.
Moody’s is an essential component of the global capital markets, providing credit ratings, research, tools and analysis that contribute to transparent and integrated financial markets. Moody’s Corporation is the parent company of Moody’s Investors Service, which provides credit ratings and research covering debt instruments and securities, and Moody’s Analytics, which offers leading-edge software, advisory services and research for credit and economic analysis and financial risk management. Moody’s Investors Service is a leading provider of credit ratings, research, and risk analysis. Moody’s Analytics helps capital markets and credit risk management professionals worldwide respond to an evolving marketplace with confidence.