[
  {
    "id": "MSFT_RAG",
    "borrower_name": "MSFT (RAG)",
    "ticker": "MSFT",
    "sector": "Technology",
    "report_date": "2026-02-17T10:32:49.226636",
    "risk_score": 85.0,
    "file": "credit_memo_MSFT_RAG.json",
    "summary": "RAG Analysis of MSFT based on 10-K ingestion. The company shows strong revenue of $211,915.00M and EBITDA of $97,376.40M. The implied valuation sugges..."
  },
  {
    "id": "NFLX_RAG",
    "borrower_name": "NFLX (RAG)",
    "ticker": "NFLX",
    "sector": "Technology",
    "report_date": "2026-02-17T00:44:06.818382",
    "risk_score": 85.0,
    "file": "credit_memo_NFLX_RAG.json",
    "summary": "RAG Analysis of NFLX based on 10-K ingestion. The company shows strong revenue of $383,285.00M and EBITDA of $6,196.30M. The implied valuation suggest..."
  },
  {
    "id": "GS_RAG",
    "borrower_name": "GS (RAG)",
    "ticker": "GS",
    "sector": "Technology",
    "report_date": "2026-02-17T00:44:05.703909",
    "risk_score": 85.0,
    "file": "credit_memo_GS_RAG.json",
    "summary": "RAG Analysis of GS based on 10-K ingestion. The company shows strong revenue of $383,285.00M and EBITDA of $14,850.00M. The implied valuation suggests..."
  },
  {
    "id": "JPM_RAG",
    "borrower_name": "JPM (RAG)",
    "ticker": "JPM",
    "sector": "Technology",
    "report_date": "2026-02-17T00:44:04.645397",
    "risk_score": 85.0,
    "file": "credit_memo_JPM_RAG.json",
    "summary": "RAG Analysis of JPM based on 10-K ingestion. The company shows strong revenue of $383,285.00M and EBITDA of $49,500.00M. The implied valuation suggest..."
  },
  {
    "id": "META_RAG",
    "borrower_name": "META (RAG)",
    "ticker": "META",
    "sector": "Technology",
    "report_date": "2026-02-17T00:44:03.323894",
    "risk_score": 85.0,
    "file": "credit_memo_META_RAG.json",
    "summary": "RAG Analysis of META based on 10-K ingestion. The company shows strong revenue of $383,285.00M and EBITDA of $31,838.40M. The implied valuation sugges..."
  },
  {
    "id": "TSLA_RAG",
    "borrower_name": "TSLA (RAG)",
    "ticker": "TSLA",
    "sector": "Technology",
    "report_date": "2026-02-17T00:44:02.204427",
    "risk_score": 85.0,
    "file": "credit_memo_TSLA_RAG.json",
    "summary": "RAG Analysis of TSLA based on 10-K ingestion. The company shows strong revenue of $383,285.00M and EBITDA of $15,021.60M. The implied valuation sugges..."
  },
  {
    "id": "NVDA_RAG",
    "borrower_name": "NVDA (RAG)",
    "ticker": "NVDA",
    "sector": "Technology",
    "report_date": "2026-02-17T00:44:01.108149",
    "risk_score": 85.0,
    "file": "credit_memo_NVDA_RAG.json",
    "summary": "RAG Analysis of NVDA based on 10-K ingestion. The company shows strong revenue of $383,285.00M and EBITDA of $6,134.70M. The implied valuation suggest..."
  },
  {
    "id": "AMZN_RAG",
    "borrower_name": "AMZN (RAG)",
    "ticker": "AMZN",
    "sector": "Technology",
    "report_date": "2026-02-17T00:43:59.984767",
    "risk_score": 85.0,
    "file": "credit_memo_AMZN_RAG.json",
    "summary": "RAG Analysis of AMZN based on 10-K ingestion. The company shows strong revenue of $383,285.00M and EBITDA of $13,472.80M. The implied valuation sugges..."
  },
  {
    "id": "GOOGL_RAG",
    "borrower_name": "GOOGL (RAG)",
    "ticker": "GOOGL",
    "sector": "Technology",
    "report_date": "2026-02-17T00:43:58.676120",
    "risk_score": 85.0,
    "file": "credit_memo_GOOGL_RAG.json",
    "summary": "RAG Analysis of GOOGL based on 10-K ingestion. The company shows strong revenue of $383,285.00M and EBITDA of $82,326.20M. The implied valuation sugge..."
  },
  {
    "id": "AAPL_RAG",
    "borrower_name": "AAPL (RAG)",
    "ticker": "AAPL",
    "sector": "Technology",
    "report_date": "2026-02-17T00:29:55.125073",
    "risk_score": 85.0,
    "file": "credit_memo_AAPL_RAG.json",
    "summary": "RAG Analysis of AAPL based on 10-K ingestion. The company shows strong revenue of $394,300.00M and EBITDA of $137,879.50M. The implied valuation sugge..."
  },
  {
    "id": "Apple_Inc",
    "borrower_name": "Apple Inc.",
    "ticker": "AAPL",
    "sector": "Technology",
    "report_date": "2026-02-25T00:11:22.764550",
    "risk_score": 87.0,
    "file": "credit_memo_Apple_Inc.json",
    "summary": "Apple Inc. (Technology). Risk Score: 87. The borrower Apple Inc. presents a mixed credit profile. Financial performance shows strong EBITDA ($142000.0M) but elevated leverage (2.1x).  [Ref: AAPL...]"
  },
  {
    "id": "Microsoft_Corp",
    "borrower_name": "Microsoft Corp",
    "ticker": "MSFT",
    "sector": "Technology",
    "report_date": "2026-02-14T02:03:14.560509",
    "risk_score": 60.0,
    "file": "credit_memo_Microsoft_Corp.json",
    "summary": "The borrower Microsoft Corp presents a mixed credit profile. Financial performance shows strong EBITDA ($5.0M) but elevated leverage (10.0x).  [Ref: T..."
  },
  {
    "id": "NVIDIA_Corp",
    "borrower_name": "NVIDIA Corp.",
    "ticker": "NVDA",
    "sector": "Technology",
    "report_date": "2026-02-25T00:11:22.786448",
    "risk_score": 88.0,
    "file": "credit_memo_NVIDIA_Corp.json",
    "summary": "NVIDIA Corp. (Technology). Risk Score: 88. The borrower NVIDIA Corp presents a mixed credit profile. Financial performance shows strong EBITDA ($5.0M) but elevated leverage (10.0x).  [Ref: Tech..."
  },
  {
    "id": "Alphabet_Inc",
    "borrower_name": "Alphabet Inc.",
    "ticker": "GOOGL",
    "sector": "Technology",
    "report_date": "2026-02-14T02:03:14.562725",
    "risk_score": 60.0,
    "file": "credit_memo_Alphabet_Inc.json",
    "summary": "The borrower Alphabet Inc. presents a mixed credit profile. Financial performance shows strong EBITDA ($5.0M) but elevated leverage (10.0x).  [Ref: Te..."
  },
  {
    "id": "Amazoncom_Inc",
    "borrower_name": "Amazon.com Inc.",
    "ticker": "AMZN",
    "sector": "Consumer",
    "report_date": "2026-02-14T02:03:14.563687",
    "risk_score": 60.0,
    "file": "credit_memo_Amazoncom_Inc.json",
    "summary": "The borrower Amazon.com Inc. presents a mixed credit profile. Financial performance shows strong EBITDA ($5.0M) but elevated leverage (10.0x).  [Ref: ..."
  },
  {
    "id": "Tesla_Inc",
    "borrower_name": "Tesla Inc.",
    "ticker": "TSLA",
    "sector": "Consumer Cyclical",
    "report_date": "2026-02-25T00:11:22.774725",
    "risk_score": 87.0,
    "file": "credit_memo_Tesla_Inc.json",
    "summary": "Tesla Inc. (Consumer Cyclical). Risk Score: 87. The borrower Tesla Inc. presents a mixed credit profile. Financial performance shows strong EBITDA ($25000.0M) but elevated leverage (2.0x).  [Ref: TS..."
  },
  {
    "id": "Meta_Platforms",
    "borrower_name": "Meta Platforms",
    "ticker": "META",
    "sector": "Technology",
    "report_date": "2026-02-25T00:11:22.792519",
    "risk_score": 87.0,
    "file": "credit_memo_Meta_Platforms.json",
    "summary": "Meta Platforms (Technology). Risk Score: 87. The borrower Meta Platforms presents a mixed credit profile. Financial performance shows strong EBITDA ($5.0M) but elevated leverage (10.0x).  [Ref: T..."
  },
  {
    "id": "JPMorgan_Chase",
    "borrower_name": "JPMorgan Chase & Co.",
    "ticker": "JPM",
    "sector": "Financial Services",
    "report_date": "2026-02-25T00:11:22.783296",
    "risk_score": 49.0,
    "file": "credit_memo_JPMorgan_Chase.json",
    "summary": "JPMorgan Chase & Co. (Financial Services). Risk Score: 49. The borrower JPMorgan Chase presents a mixed credit profile. Financial performance shows strong EBITDA ($95000.0M) but elevated leverage (9.5x).  [Ref..."
  },
  {
    "id": "Goldman_Sachs",
    "borrower_name": "Goldman Sachs",
    "ticker": "GS",
    "sector": "Financial",
    "report_date": "2026-02-14T02:03:14.568300",
    "risk_score": 60.0,
    "file": "credit_memo_Goldman_Sachs.json",
    "summary": "The borrower Goldman Sachs presents a mixed credit profile. Financial performance shows strong EBITDA ($5.0M) but elevated leverage (10.0x).  [Ref: Ge..."
  },
  {
    "id": "Bank_of_America",
    "borrower_name": "Bank of America",
    "ticker": "BAC",
    "sector": "Financial",
    "report_date": "2026-02-14T02:03:14.569251",
    "risk_score": 60.0,
    "file": "credit_memo_Bank_of_America.json",
    "summary": "The borrower Bank of America presents a mixed credit profile. Financial performance shows strong EBITDA ($5.0M) but elevated leverage (10.0x).  [Ref: ..."
  },
  {
    "id": "Carvana_Co",
    "borrower_name": "Carvana Co.",
    "ticker": "CVNA",
    "sector": "Consumer Cyclical (Distressed)",
    "report_date": "2026-02-25T00:11:22.779567",
    "risk_score": 0.0,
    "file": "credit_memo_Carvana_Co.json",
    "summary": "Carvana Co. (Consumer Cyclical (Distressed)). Risk Score: 0."
  },
  {
    "id": "Exxon_Mobil",
    "borrower_name": "Exxon Mobil Corp.",
    "ticker": "XOM",
    "sector": "Energy",
    "report_date": "2026-02-25T00:11:22.789512",
    "risk_score": 87.0,
    "file": "credit_memo_Exxon_Mobil.json",
    "summary": "Exxon Mobil Corp. (Energy). Risk Score: 87."
  },
  {
    "id": "AMC_Entertainment",
    "borrower_name": "AMC Entertainment",
    "ticker": "AMC",
    "sector": "Communication Services (Distressed)",
    "report_date": "2026-02-25T00:11:22.795825",
    "risk_score": 47.0,
    "file": "credit_memo_AMC_Entertainment.json",
    "summary": "AMC Entertainment (Communication Services (Distressed)). Risk Score: 47."
  },
  {
    "id": "Pfizer_Inc",
    "borrower_name": "Pfizer Inc.",
    "ticker": "PFE",
    "sector": "Healthcare",
    "report_date": "2026-02-25T00:11:22.798782",
    "risk_score": 65.0,
    "file": "credit_memo_Pfizer_Inc.json",
    "summary": "Pfizer Inc. (Healthcare). Risk Score: 65."
  },
  {
    "id": "Walmart_Inc",
    "borrower_name": "Walmart Inc.",
    "ticker": "WMT",
    "sector": "Consumer Defensive",
    "report_date": "2026-02-25T00:11:22.802231",
    "risk_score": 86.0,
    "file": "credit_memo_Walmart_Inc.json",
    "summary": "Walmart Inc. (Consumer Defensive). Risk Score: 86."
  },
  {
    "id": "Apple_Inc_Live",
    "borrower_name": "Apple Inc.",
    "ticker": "AAPL",
    "sector": "Technology",
    "report_date": "2026-03-05T00:35:46.424336",
    "risk_score": 68,
    "file": "credit_memo_Apple_Inc_Live.json",
    "summary": "Apple Inc. (Technology). Risk Score: 68."
  }
]