Credit Risk
Industry-leading credit risk models powered by advanced machine-learning algorithms. Automate scoring, accelerate credit decisions, and reduce risk across the full credit value chain.
Explore Credit RiskFinancial Analysis Solutions
Valuatum delivers advanced credit risk and equity research software to financial institutions worldwide — combining rigorous modelling, intelligent automation, and deep analytical expertise.
Helsinki, Finland · Est. 2000
Founded by a team of former equity and credit risk analysts, Valuatum brings practitioner-grade understanding to every part of its platform. We know what financial professionals need because we have done the work ourselves.
What We Do
Valuatum's platform powers the full financial analysis workflow — from initial credit scoring to equity valuation and research delivery. All solutions are built on the same rigorous analytical foundation and delivered as a managed SaaS service.
Our areas of expertise span equity valuation models, credit risk analysis, automated reporting tools, interactive research libraries, and extranet solutions for portfolio managers and private equity investors.
Core Solutions
Sell-side, buy-side, and credit risk professionals rely on Valuatum across several continents.
Industry-leading credit risk models powered by advanced machine-learning algorithms. Automate scoring, accelerate credit decisions, and reduce risk across the full credit value chain.
Explore Credit Risk
Configurable equity research solutions built on the Valuatum platform. Full financial models, automated target prices, screening tools, and seamless report generation for research teams.
Explore Equity Research
Upload any company's financial statement and receive an instant valuation or credit risk report in under two minutes. Supports English, Finnish, and Swedish — with additional language options available.
Try Free Today
Our new AI-powered tools deliver professional company valuations and credit risk reports in under two minutes. Simply upload a PDF financial statement — from a short balance sheet to a 100-page annual report — and get an instant, structured report.
Why Valuatum
We combine deep financial expertise, proprietary machine-learning models, and decades of practitioner experience into a platform that adapts to your workflow — not the other way around.
XGBoost and machine-learning algorithms that outperform traditional fixed-weight credit rating methods.
Delivered as a service with ongoing maintenance, continuous development, and dedicated support included.
Access via web browser, Excel models, or APIs. White-label and custom integration options available.
Get Started
Whether you work in credit risk, equity research, or investment management, Valuatum has a solution tailored to how you work. Start with a free trial — no commitment required.
Helsinki, Finland