Pacific Credit Rating

What Pacific Credit Rating does

Pacific Credit Rating (PCR) is a Peru-headquartered, privately held credit rating agency founded in 1993 that provides credit risk evaluations for financial institutions, insurance companies, and corporations across 11 Latin American countries — Bolivia, Costa Rica, Ecuador, El Salvador, Guatemala, Honduras, México, Nicaragua, Panama, Peru, and the Dominican Republic. The company holds NRSRO (Nationally Recognized Statistical Rating Organization) registration, which provides regulatory recognition for its ratings in international markets, and has accumulated a stated client base of more than 600 institutions over its operating history. PCR's core offering is single-product credit risk rating services delivered through methodologies tailored to distinct institution types: banks, cooperatives, finance companies, fintech firms, microfinance institutions, and other credit entities, each with distinct pain points around credit, liquidity, operational, technology, and regulatory risk.

The company's underlying technology stack and methodology are not publicly disclosed, but the service is built around traditional analyst-driven credit assessment with country-specific delivery via localized websites. PCR distributes its reports through a direct enterprise sales motion targeting financial institutions and, more recently, through a free online self-service registration portal (informes.ratingspcr.com) that lowers friction for accessing rating reports. The firm participates in regional capital markets events — including FIMVA Honduras 2026 and the III Convención de Mercado de Capitales in Guatemala — to reinforce its positioning as a regional specialist and thought leader.

Revenue is generated on a subscription/recurring basis through rating engagements with financial institutions across Latin America. Customer access to rating reports requires website registration, which is free to the user, suggesting that revenue is captured through fee-based rating assignments rather than report paywalls. With 101–250 employees and no disclosed financials, parent company, or institutional investors, PCR operates as an independent regional specialist rather than a subsidiary of a global rating agency. The company's scale signals — 600+ clients, 11 country markets, NRSRO recognition, and three decades of operating history — define its current position; forward growth will depend on deepening penetration in Central American markets, fintech vertical expansion, and any movement toward AI-augmented rating analytics.

Name

Pacific Credit Rating

Website

https://ratingspcr.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

101–250 employees

Short description

Pacific Credit Rating is a Peru-based NRSRO-registered credit rating agency founded in 1993 that provides credit risk evaluations to more than 600 financial institutions, insurers, and corporations across 11 Latin American countries.

Ownership category

akta.pro rank

Product category

Credit Rating Services

NAICS

Credit Bureaus (561450), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

Keywords

• Credit rating services
• Risk assessment
• Financial institution ratings
• Credit evaluation
• Corporate governance

Headquarters

HQ city

Santiago De Surco

HQ country

Peru

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Credit Rating Services: Pacific Credit Rating provides credit risk evaluation services to financial institutions, insurance companies, and corporations. The company has served more than 600 clients since 1993. Customers must register on the website to access rating reports.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Pacific Credit Rating (PCR) provides credit risk rating and evaluation services to financial institutions across Latin America. Founded in 1993 and serving more than 600 clients, the agency rates banks, cooperatives, finance companies, fintech firms, microfinance institutions, insurance companies, and corporations across 11 countries. Customers access rating reports through a free online registration portal, and the company holds NRSRO registration enabling internationally recognized ratings.

Product overview

Pacific Credit Rating (PCR) operates as a single unified credit risk rating service rather than a modular platform. Founded in 1993, the company provides credit risk ratings for financial institutions across Latin America, serving more than 600 clients including banks, cooperatives, financieras, fintech companies, and microfinance institutions. Their core offering is credit evaluation and risk analysis services, complemented by sector reports and publications.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Risk Ratings Credit risk rating and evaluation services for financial institutions including banks, cooperatives, finance companies, fintech firms, microfinance institutions, insurance companies, and other credit entities. Provides reliable and timely credit evaluations plus transparent reports reflecting current and historical situations, delivered with NRSRO-recognized methodology across 11 Latin American countries.

Named customers4 records

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Moody's Ratings: One of the Big Three global credit rating agencies, providing credit ratings, research, and risk analysis across corporate, financial institution, sovereign, and structured finance segments. Directly comparable to PCR as a competitor for the same Latin American financial institution clients.
• S&P Global Ratings: Another Big Three global rating agency offering credit ratings and related research worldwide. Competes with PCR across Latin American bank, sovereign, and corporate ratings, and serves as a benchmark for PCR's NRSRO-recognized output.
• Fitch Ratings: Third member of the Big Three global rating agencies, providing credit ratings and analysis across financial institutions, corporates, sovereigns, and structured products. Directly competes with PCR in the same Latin American markets.
• DBRS Morningstar: Global credit rating agency with strong North American and European presence that has expanded into Latin American financial institution ratings. Directly comparable to PCR as a mid-tier global alternative to the Big Three.
• Feller Rate: Chile-based regional credit rating agency operating across several Latin American countries. Most direct regional competitor to PCR given similar size, geography, and customer base of banks and financial institutions.
• HR Ratings: Mexico-based credit rating agency accredited to issue ratings in Mexico and other Latin American markets. Direct peer to PCR in the same regional financial-institution rating segment.
• Equilibrium Calificadora de Riesgo: Colombia-based credit rating agency serving financial institutions and corporates across the Andean region. Direct regional peer to PCR with overlapping institutional client base in Latin America.

Broad incumbents

• A.M. Best: Global credit rating agency specializing in the insurance industry, with a presence in Latin American insurance markets. Comparable to PCR as an established NRSRO-style rater that overlaps in insurance counterparty ratings.

Emerging players

• Kroll Bond Rating Agency (KBRA): US-headquartered NRSRO-registered rating agency that has expanded into structured finance and financial institution ratings. Comparable to PCR as a non-Big-Three NRSRO seeking share in adjacent rating categories.
• Egan-Jones Ratings: NRSRO-registered US rating agency serving corporate, financial, and sovereign issuers. Comparable to PCR as a smaller NRSRO operating outside the Big Three with a similar niche strategy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/pacific-credit-rating

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pacific Credit Rating