Bond-rating estimate API

Estimate an S&P-style letter bond rating (AAA..C) from fundamentals via a transparent weighted rubric (documented weights: interest-coverage 35%, debt/EBITDA leverage 30%, EBIT margin 20%, size 15%), returning the composite 0-100 score, the letter grade, an investment-grade flag, and per-factor sub-scores. Answers 'estimated credit rating for this company','is this issuer investment grade','implied bond rating from financials'.

Price$0.016per request

MethodPOST

Route/v1/score/credit-bond-rating

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scorecreditbond-ratingratinginvestment-graderubricissuerfixed-income

API URLhttps://x402.hexl.dev/v1/score/credit-bond-rating

Integration docs

Example request

{
  "ebit": 300000000,
  "interestExpense": 25000000,
  "totalDebt": 600000000,
  "ebitda": 400000000,
  "revenue": 2000000000
}

Example response

{
  "model": "Bond-rating estimate (weighted rubric)",
  "compositeScore": 75.5,
  "estimatedRating": "A",
  "investmentGrade": true,
  "interestCoverage": 12,
  "debtToEbitda": 1.5,
  "ebitMargin": 0.15,
  "breakdown": [
    {
      "factor": "interest coverage",
      "value": 12,
      "weight": 0.35,
      "subScore": 80
    },
    {
      "factor": "debt/EBITDA leverage",
      "value": 1.5,
      "weight": 0.3,
      "subScore": 75
    },
    {
      "factor": "EBIT margin",
      "value": 0.15,
      "weight": 0.2,
      "subScore": 50
    },
    {
      "factor": "size log10(revenue)",
      "value": 9.3,
      "weight": 0.15,
      "subScore": 100
    }
  ],
  "interpretation": "Estimated A (investment grade)."
}

Input schema

{
  "type": "object",
  "required": [
    "ebit",
    "interestExpense",
    "totalDebt",
    "ebitda",
    "revenue"
  ],
  "properties": {
    "ebit": {
      "type": "number",
      "examples": [
        300000000
      ]
    },
    "interestExpense": {
      "type": "number",
      "examples": [
        25000000
      ]
    },
    "totalDebt": {
      "type": "number",
      "examples": [
        600000000
      ]
    },
    "ebitda": {
      "type": "number",
      "examples": [
        400000000
      ]
    },
    "revenue": {
      "type": "number",
      "examples": [
        2000000000
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}