Methodology · How it works
From raw data to investment decisions: discover the 4 steps that transform financial data into decision intelligence.
GRP doesn't replace your historical models. It confronts them with a forward-looking reading of the company's trajectory.
Intelligent Data Collection
GRP aggregates and structures financial, operational, and sector-specific data of the target company.
- Financial statements (balance sheets, income statements, cash flows)
- Sector ratios and market data
- Automated cleaning and normalization
- 11 to 30 ratios selected by sector
Bayesian Inference & Sector Models
Each sector has its own probabilistic model, trained on thousands of ratio combinations.
- 1 specific model per industry sector
- Bayesian inference to estimate probabilities
- Thousands of ratio combinations tested
- Accuracy validated at 92% on historical data
Resilience Score & Trajectory
The heart of GRP: a dynamic measure of the company's ability to withstand shocks over 12, 24 and 36 months.
- Resilience score (0 to 1)
- Default probability at 1, 2 and 3 years
- Momentum (acceleration / deceleration of the trend)
- Trajectory T-4 → T to anticipate deteriorations
Reports & Actionable Alerts
Results are summarized in operational formats for your investment committees and daily monitoring.
- Full PDF report for the committee (20+ pages)
- Interactive Dashboard
- Kill Switch real-time alerts
- Prioritized operational recommendations
GRP vs historical models
Don't replace Piotroski, Altman, Beneish or FCF/EV. Systematically confront them with the real trajectory in every GRP report.
Piotroski F-Score
Value: 3 / 9
Traditional reading: Low quality
GRP reading: Confirmed by a resilience score of 0.34
Altman Z-Score
Value: 1.45
Traditional reading: Distress zone
GRP reading: 1-year PD at 32.5% — DSO to monitor
Beneish M-Score
Value: -1.95
Traditional reading: Grey zone
GRP reading: Confirms a structural low resilience
FCF / EV
Value: 1.8%
Traditional reading: Very low cash
GRP reading: Negative trajectory (T-4 → T) — deterioration confirmed
Every GRP report includes this confrontation. Your historical models + the GRP trajectory = an informed decision.
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