Predictive + Agentic AI for Financial Foresight
Helping banks, investors, and CFOs anticipate financial outcomes — not just analyze them.
The Challenge: Prediction,
Not Just Analysis
Financial professionals make high-stakes decisions every day, yet most tools provide only a rearview mirror. Credit, investment, and strategic decisions all hinge on what lies ahead — and today, that foresight is missing.
Traditional data providers offer lagging indicators, not actionable predictions.
Meanwhile, ChatGPT-style tools are booming, but they can’t reason with numbers.
FinRatio bridges this gap.
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AI adoption is booming, but foresight remains unsolved.
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Banks need smarter, predictive credit decision tools.
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Investors seek an edge beyond historical multiples.
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CFOs need proactive signals, not post-mortem reports.
What We Offer
Tested AI. Trusted Foresight.
FinRatio is your financial analyst agent — designed to predict, not just explain
Banks
Predict borrower performance to strengthen SME and Large Enterprise credit portfolios.
Equity Market Professionals
Identify future outperformers with AI-driven KPIs..
CFOs,
Fractional CFOs
Steer the business with forward-looking financial metrics and actionable insights.
How It Works
Purpose-Built Predictive AI — Not Just Another Chatbot
FinRatio combines deep learning, proprietary financial metrics, and a multi-layered AI architecture to deliver next-generation predictive performance analysis.
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We are pioneering the use of deep neural networks for financial modelling — moving beyond traditional multivariate models and their linear assumptions.
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Our models are trained on millions of financial records, learning the complex, nonlinear relationships between financial decisions and business outcomes.
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Profitability, liquidity, and efficiency financial performance KPI predictions are estimated using just the latest financial statements.
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We engineer proprietary KPIs that enhance model learnability and improve the accuracy of financial predictions.
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At the core is our tiered AI stack: a predictive deep learning layer performs the financial reasoning, which then feeds into our generative AI engine for interpretation and explanation. This layered architecture delivers insights far beyond the capabilities of standard LLMs.
In financial KPI prediction tasks (profitability, liquidity, efficiency), FinRatio outperforms state-of-the-art multivariate models with up to 50% lower error (MSE)
Lower prediction error by 50%+
In equity investments, FinRatio’s algorithmic financial prognosis applied to AI-driven stock selection has consistently outperformed the S&P 500 over the last 13 years — delivering a 10.5x return compared to 4.7x. This result underscores our commitment to practical, evidence-based AI that makes a real difference for investors.
Outperform the market: 10.5X vs. 4.7X returns
In credit operations, working with an SME lender, FinRatio has automated financial analysis, reducing manual workload by 80–90% and removing human bias — a major leap in productivity and resource optimization.
80 – 90% productivity improvement
Why Now?
AI is at a turning point in financial services. Banks, investors, and CFOs are under pressure to become faster, more predictive, and more cost-efficient — all while navigating rising complexity and compliance demands. FinRatio exists because existing tools fall short: they analyze the past but can’t anticipate what’s next. That’s where we lead.
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Efficiency is imperative: FinRatio reduces time spent on financial analysis by up to 90%, freeing teams to focus on action, not spreadsheets.
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Data is underleveraged: Our deep learning models transform historical records into predictive KPIs that help clients act earlier and with more confidence.
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Decision cycles are accelerating: FinRatio enables real-time forecasting that updates as new data becomes available — a shift from static to dynamic planning.
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Traditional tools are commoditized: Differentiation today requires foresight, not just dashboards. FinRatio equips decision-makers with insights others don’t see.
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The market demands foresight: In volatile environments, identifying risk or opportunity early is no longer a luxury — it’s a competitive necessity.
Solutions for Every Financial Decision-Maker
FinRatio tailors its predictive agentic AI to the needs of CFOs, Banks, and Equity Market Professionals through purpose-built solutions:
For CFOs,
Fractional CFOs,
FP&A Analysts
CFOdigital.ai empowers finance leaders to anticipate key financial KPIs — profitability, liquidity, efficiency — before they appear in quarterly results. With real-time scenario planning and predictive insights, CFOs can make proactive decisions that drive growth and resilience.
For Commercial & Corporate Banks
FinRatio.bAInk enhances Large Enterprise and SME credit assessments by predicting borrower performance, automating financial analysis, and removing human biases.
This means faster, smarter lending decisions, reduced default risk, and improved portfolio profitability.
For Equity Market Professionals
FinRatio.AInvest identifies future outperformers using predictive KPIs and deep learning-powered selection criteria. Investors gain a competitive edge by spotting winners and losers before the market does.
