parallax-credit-lens

Credit risk analysis aggregates balance sheet, cash flow, and ratios via Parallax MCP to evaluate leverage, liquidity, and solvency, producing a structured risk assessment with flags and narratives for publicly traded equities.

Altman Z-score calculation defaults to the market-cap-based Z variant when available, automatically falling back to the book-equity Z' variant if market cap data is missing, ensuring continuous solvency assessment.

Peer benchmarking compares leverage, coverage, liquidity, and profitability metrics against sector peers, incorporating 52-week trend insights and macro regime context to deliver a relative credit health evaluation.

Palepu solvency assessment is a structured methodology evaluating a firm's leverage and liquidity to generate a solvency narrative and risk flags, identifying potential financial distress signals in public equities.

Credit risk report generation requires a RIC-formatted symbol, such as AAPL.O for Apple, to accurately query balance sheet and cash flow data via Parallax MCP for the target single-name equity.

Credit risk analysis enforces RIC format validation and handles missing data and timeouts gracefully, ensuring the deterministic report still delivers available solvency summaries and flags without failing entirely.