Coverage Universe

Sectors

Egan-Jones provides independent credit ratings across a broad range of asset classes and sectors, with deep analytical expertise in each.

Sector Coverage

Financial Institutions

Credit ratings for banks, financing companies, and other regulated financial intermediaries.

Financial institution ratings require a distinct analytical lens - one that accounts for regulatory capital requirements, asset quality, funding stability, and the systemic importance of the institution. Egan-Jones rates commercial banks, financing companies, non-bank financial companies, payment processing companies, and insurance companies, providing independent assessments that reflect real credit risk.

Sub-Sectors We Rate
Banks
Financing companies
Non-bank financial companies
Payment processing companies
Insurance companies
Key Rating Considerations
1
Capital adequacy and regulatory compliance (Basel III/IV, Solvency II)
2
Asset quality, NPL ratios, and loan loss reserves
3
Funding stability, deposit base, and liquidity coverage
4
Net interest margin and earnings sustainability
5
Exposure to interest rate and credit cycle risk
6
Management quality, risk governance, and franchise strength
Coverage Statistics
50/50
Top U.S. Life Insurers
Global
Coverage
3200+
Deals Rated in 2025
Get Started

Need a Rating in This Sector?

Contact our ratings team to discuss your transaction. We provide indicative assessments quickly and work with issuers and arrangers across all deal sizes.