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S&P Global

S&P Global Inc. is a multinational that delivers ratings, benchmarks, , and across , , and automotive markets. Headquartered in , , it operates through key divisions including for assessments, Market Intelligence for and research, Commodity Insights for energy and commodities pricing, Mobility for automotive , and for investment benchmarks like the S&P 500. The company's roots trace to with precursors in financial and railroading , evolving through mergers such as Standard Statistics merging with Poor's in 1941 and joining McGraw-Hill in 1966, before rebranding from McGraw Hill Financial to S&P Global in 2016 to emphasize its core intelligence offerings. S&P Global's indices and ratings serve as foundational tools for investors and policymakers, powering trillions in , though its issuer-pays model for ratings has drawn scrutiny for potential conflicts of interest. Notably, the firm faced lawsuits and regulatory actions over inflated ratings of products preceding the , culminating in a $1.375 billion settlement with the U.S. Department of Justice in 2015, alongside ongoing SEC enforcement for compliance lapses as recently as 2022 and 2024. In response to political and market pressures, S&P Global ceased incorporating explicit ESG scores into its core ratings in 2023, shifting to qualitative assessments to mitigate perceptions of extraneous influences.

Historical Development

Origins and Predecessor Foundations

The origins of S&P Global trace back to two independent financial information providers: Poor's Publishing and the Standard Statistics Bureau. In 1860, Henry Varnum Poor published History of the Railroads and Canals of the United States, an 800-page volume compiling financial data on American transportation infrastructure to aid investors amid rapid railroad expansion. This publication marked the inception of systematic analysis for securities evaluation, evolving into Poor's Publishing, which issued annual manuals on railroad bonds and stocks, emphasizing manual assessments of company finances, management, and assets. Complementing this, the Standard Statistics Bureau was founded in 1906 by Luther Lee Blake in to address gaps in data for non-railroad industries, delivering timely statistical compilations, index numbers, and early credit ratings for corporate bonds starting around 1916. By the , it had developed indicators tracking 233 companies, pioneering quantitative approaches to market measurement amid growing industrial complexity. These entities formed the foundational pillars for subsequent financial data services, with Poor's focusing on qualitative railroad expertise and Standard Statistics on broader industrial statistics, setting the stage for their 1941 merger into Standard & Poor's Corporation, which combined complementary strengths in ratings and indices.

Formation and Early Expansion of Standard & Poor's

Standard & Poor's originated from the combination of two pioneering financial information providers: Poor's Publishing, established through the efforts of Henry Varnum Poor, and the Standard Statistics Bureau. In 1860, Henry Varnum Poor published History of the Railroads and Canals of the United States, offering investors detailed data on railroad finances and operations during the Industrial Revolution, which formed the basis for systematic financial analysis of infrastructure. Poor's work expanded into annual manuals evaluating railroad securities, with the company formalizing as H.V. and H.W. Poor Co. around 1867, issuing its first bond ratings in 1916 to assess creditworthiness based on financial metrics. Complementing this, the Standard Statistics Bureau was founded in 1906 by Luther Lee Blake to compile statistical data on non-railroad industrial companies, delivering indexed financial reports that quantified business performance for investors. The formal creation of Standard & Poor's occurred on April 3, 1941, through the merger of Poor's Publishing and Standard Statistics Bureau, forming the Standard & Poor's Corporation. This union integrated Poor's expertise in transportation and utility analysis with Standard's broader industrial statistics, enabling comprehensive coverage of corporate securities across sectors. The merged entity immediately enhanced its offerings by combining manual-based evaluations with quantitative indexing, addressing the growing demand for standardized financial intelligence amid post-Depression economic recovery and financing needs. In the years following formation, Standard & Poor's expanded rapidly by diversifying its publications and analytical tools. It built on pre-merger index efforts—such as Standard's 1923 composite indexes tracking 233 companies across 26 industries—to develop more robust benchmarks, culminating in the launch of the on March 4, 1957, comprising 500 leading U.S. s (425 industrials, 60 utilities, and 15 railroads) that represented approximately 90% of . This was pioneering as the first computer-generated one, utilizing punch-card systems for , which improved accuracy and accessibility for institutional investors. Concurrently, the company broadened its credit ratings to encompass a wider array of bonds and preferred s, issuing detailed reports that emphasized empirical over speculative narratives, while expanding statistical services to include daily price compilations and sector-specific forecasts. By the mid-1950s, these innovations had positioned Standard & Poor's as a key provider of trusted data, supporting portfolio management and in an era of increasing capital market complexity.

Merger with McGraw-Hill and Mid-20th Century Growth

In 1966, The McGraw-Hill Companies acquired Standard & Poor's Corporation, integrating its established and operations into McGraw-Hill's portfolio and marking the publisher's entry into . This transaction provided Standard & Poor's with enhanced financial resources and distribution channels, building on its prior independence under owner Paul Talbot Babson and enabling broader dissemination of its bond ratings, stock analyses, and indices like the , which had launched in 1957. The merger facilitated immediate scale advantages, as McGraw-Hill's publishing infrastructure supported the expansion of Standard & Poor's data products and research services amid rising demand for standardized credit assessments in the post-World War II economic boom. By leveraging McGraw-Hill's operational stability, Standard & Poor's extended its reach into markets, contributing to revenue growth through diversified offerings such as evaluations and . This integration positioned the combined entity to capitalize on the increasing complexity of capital markets in the , with Standard & Poor's ratings gaining prominence as tools for in municipal and corporate debt issuances. During the mid-20th century, particularly the and into the , the arm under McGraw-Hill experienced sustained growth, driven by acquisitions and organic development that amplified Standard & Poor's analytical capabilities. McGraw-Hill's aggressive expansion strategy included complementary purchases, enhancing data aggregation and global information delivery, which bolstered Standard & Poor's role in despite economic volatility like the 1973-1975 recession. By the late , the division's emphasis on forward-looking opinions had solidified its , setting the stage for further diversification while maintaining focus on empirical bond and equity evaluations.

Late 20th Century Diversification and Challenges

During the , McGraw-Hill, the parent company of Standard & Poor's, pursued diversification within its operations by acquiring multiple businesses to strengthen data and analytical capabilities. In , the firm completed acquisitions of 14 entities spanning , , , and transportation sectors, which bolstered Standard & Poor's position in financial dissemination amid rising demand for assessments driven by leveraged buyouts and high-yield issuance. This expansion aligned with broader industry trends, as the volume of corporate debt requiring ratings surged, with junk bonds—rated BB or lower by Standard & Poor's—emerging as a key financing tool from the late 1970s onward. Standard & Poor's further diversified by enhancing its and products to meet evolving investor needs. The core ratings business grew alongside and international markets, while offerings expanded to include benchmarks for varying capitalizations, supporting the proliferation of vehicles. However, these initiatives faced operational hurdles, including difficulties in for reported in , which disrupted service reliability. The period also brought significant challenges, exemplified by the discontinuation of online ventures like McGraw-Hill News and Standard & Poor's News in early 1990 due to underperformance. Certain acquisitions incurred substantial write-offs, underscoring the financial risks of rapid diversification amid economic volatility, such as the October 1987 that caused a 20.5% single-day drop in the and corresponding declines in S&P-tracked indices. Credit rating agencies like Standard & Poor's navigated increased scrutiny during the of the 1980s, where poor loan quality and fraud contributed to widespread institutional failures, indirectly pressuring rating methodologies for commercial real estate and other assets. Despite these setbacks, the financial division's steady growth in the early reflected resilience, fueled by broader information format innovations.

Spin-Offs, Rebranding, and 21st Century Transformation

In 2013, The McGraw-Hill Companies separated its education operations into a standalone entity, McGraw-Hill Education, through a tax-free to shareholders completed on May 4 of that year; this divestiture, valued at approximately $2.5 billion in distributed shares, enabled the remaining business to concentrate on financial information services including credit ratings, indices, and . Following the , shareholders approved renaming the core operations McGraw-Hill Financial Inc. on May 1, 2013, to better reflect its emphasis on capital markets analytics and benchmarking rather than diversified . This restructuring marked a pivotal shift in the early 21st century, as McGraw-Hill Financial streamlined operations by divesting non-core assets and investing in data-driven financial tools, amid growing demand for transparent market intelligence post the ; revenue from ratings and indices grew significantly, with the company reporting $4.9 billion in total revenue for 2015, up from prior diversified figures. On February 2, 2016, McGraw-Hill Financial announced plans to rebrand as S&P Global Inc., highlighting the prominence of its Standard & Poor's division—which traces to 1860 origins in rail security analysis—and aiming to unify brands under a global financial data identity, free from legacy education associations. Shareholders ratified the change on April 27, 2016, with the NYSE ticker shifting from MHFI to SPGI effective May 2; the rebranding extended to subsidiaries, such as merging S&P Capital IQ and SNL Financial into S&P Global Market Intelligence on February 8, 2016, to consolidate analytics platforms. The 2016 transformation positioned S&P Global as a specialized provider of ratings, benchmarks, and commodity insights, with strategic emphasis on and acquisitions to enhance capabilities; for instance, post-rebranding from services rose, supporting a exceeding $30 billion by 2017. Continuing this focus, on April 29, 2025, S&P Global disclosed intentions to its Mobility segment—encompassing automotive services like —into an independent targeted for completion in 2026, aiming to unlock value from specialized mobility intelligence while sharpening the parent firm's emphasis on core financial and energy markets; the unit generated about $1.4 billion in 2024 , representing roughly 10% of group totals. This move aligns with ongoing , prioritizing high-growth areas like AI-enhanced analytics over tangential sectors.

Corporate Organization and Operations

S&P Global Ratings

is a division of S&P Global specializing in credit ratings, , and that assess the creditworthiness of issuers, including corporations, sovereigns, and , as well as their instruments such as bonds and products. These ratings consist of forward-looking opinions on the likelihood of timely and full repayment of obligations, expressed on a relative scale from highest quality (e.g., ) to default-prone (e.g., D). The division employs approximately 1,500 credit analysts and maintains over 1 million outstanding ratings covering issuances totaling around $46 across more than 128 countries. The origins of trace to 1860, when published "History of Railroads and Canals in the United States," providing early of . Formal credit ratings began in 1916, focusing initially on railroad bonds, under Poor's Publishing. Standard Statistics Company, founded in 1906, merged with Poor's in 1941 to form Standard & Poor's, which expanded ratings to utilities and industrials. McGraw-Hill acquired Standard & Poor's in 1966, integrating it into its operations until the 2020 rebranding to following corporate restructuring. As a (NRSRO) registered with the U.S. Securities and Exchange Commission since 1975, ' assessments influence regulatory capital requirements, investment decisions, and market pricing, though ratings are explicitly not investment recommendations or guarantees of performance. The rating process involves an eight-step analyst committee evaluation incorporating quantitative financial metrics, qualitative , industry competition, and macroeconomic factors, calibrated against stress scenarios and published criteria for transparency. Ratings undergo continuous surveillance with periodic reviews triggered by material events, and performance is measured via default and transition studies to validate accuracy over time. While emphasizes independent analysis to support market transparency and informed risk assessment, the issuer-pays model—where rated entities compensate the agency—has drawn scrutiny for potential incentives to inflate ratings to secure business, as evidenced in historical episodes like the overrating of subprime mortgage-backed securities prior to the . Post-crisis reforms under the Dodd-Frank Act reduced regulatory reliance on NRSRO ratings and imposed stricter oversight, prompting methodological enhancements such as greater emphasis on liquidity risks and recovery rates. Empirical studies of rating accuracy show mixed results, with stronger predictive power for investment-grade issues but challenges in high-yield and sovereign contexts amid economic shocks.

S&P Global Market Intelligence

S&P Global Market Intelligence is a division of S&P Global that delivers financial , , , and workflow tools to institutional investors, corporations, and financial professionals, enabling performance tracking, opportunity identification, and informed decision-making across public and private markets. It integrates multi-asset-class datasets with purpose-built platforms, emphasizing 24/7 accessibility and customization to address client-specific needs in areas such as valuation, , and market surveillance. The division originated from S&P Capital IQ, which McGraw-Hill acquired in 2004 for approximately $200 million to bolster its financial data offerings. In 2015, S&P Global (then McGraw Hill Financial) purchased SNL Financial for $2.2 billion, a provider of sector-specific intelligence on banking, energy, and media. These entities merged in 2016 to create S&P Global Market Intelligence, unifying Capital IQ's company-level financials with SNL's industry-focused datasets. Subsequent growth included the 2022 merger with IHS Markit, which added advanced analytics capabilities, and the 2024 acquisition of Visible Alpha to integrate consensus estimates and sell-side research directly into Capital IQ workflows. Core products encompass S&P Capital IQ Pro, a flagship desktop and web platform offering detailed , peer comparisons, M&A deal data, and screening tools for over 100,000 global companies dating back to 1997 internationally and 1999 for . Complementary offerings include for historical fundamentals, SNL datasets for financial institutions and energy sectors, and specialized solutions for private markets, , and analytics. These tools support functions like equity research, credit analysis, and compliance monitoring, with recent expansions targeting and credit through the October 2025 agreement to acquire With Intelligence for $1.8 billion. As of , the Market Intelligence segment accounted for about 34% of S&P Global's , driven by subscription-based desktop products and acquisition synergies, though growth has been moderated by divestitures and market volatility in certain desktop lines. It employs thousands of analysts and specialists globally, focusing on high-quality, verifiable inputs to maintain credibility amid competitive pressures from disruptors. The division's emphasis on integrated intelligence has positioned it as a key enabler for alpha generation and risk mitigation, particularly in evolving areas like and geopolitical .

S&P Dow Jones Indices

(S&P DJI) is the index business unit of S&P Global, specializing in the development, maintenance, and licensing of financial benchmarks across equity, , commodities, and multi-asset classes. It calculates and publishes over 830,000 indices as of 2012, with the portfolio having expanded since, serving as foundational references for exchange-traded funds (ETFs), mutual funds, , and portfolio benchmarking. The division emphasizes methodological transparency, independence from S&P Global's ratings operations, and adherence to (IOSCO) principles for financial benchmarks, undergoing annual reviews to ensure reliability. The origins trace to the Dow Jones Industrial Average (DJIA), created by Charles Dow and first calculated on May 26, 1896, as a price-weighted gauge of 12 industrial stocks, evolving to track 30 prominent U.S. companies. Standard & Poor's introduced the S&P 500 on February 27, 1957, as a market-capitalization-weighted index of 500 leading U.S. firms, representing approximately 80% of U.S. equity market capitalization. S&P DJI as a unified entity launched on July 2, 2012, via a joint venture combining S&P Indices (from McGraw-Hill, now S&P Global) and Dow Jones Indexes, with CME Group involved in the initial ownership structure; S&P Global holds majority control. This integration consolidated expertise, enabling global index families like the S&P Global BMI (covering over 13,000 securities across 50 developed and emerging markets) and sector-specific benchmarks. A landmark in index application occurred in 1976 with the debut of the first index mutual fund tracking the S&P 500, catalyzing the growth of passive investing; today, over one-third of index mutual funds and more than one-quarter of ETFs worldwide are linked to S&P DJI benchmarks. As of year-end 2024, $20 trillion in assets were indexed or benchmarked solely to the S&P 500, underscoring its dominance in U.S. large-cap equity tracking, with passive strategies comprising a significant portion of total assets. Operations include index construction using rules-based methodologies (e.g., float-adjusted market cap for equities), real-time data dissemination, and custom solutions via the SPICE platform for tailored analytics, ESG integration, and back-testing. S&P DJI collaborates with global exchanges for localized indices while maintaining methodological consistency, supporting institutional investors, asset managers, and regulators in risk assessment and performance measurement.

S&P Global Commodity Insights

S&P Global Commodity Insights is a business unit of S&P Global that provides independent information, benchmark prices, analytics, and insights for global energy and commodities markets. Formed in through the integration of S&P Global Platts and IHS Markit Energy & Natural Resources following S&P Global's acquisition of IHS Markit, it combines longstanding price assessment methodologies with advanced data and forecasting tools to support trading, , and strategic decisions. The division traces its origins to Platts, established in 1909 as a publisher of shipping and commodity market news, which evolved into a key assessor of physical commodity prices. Acquired by McGraw-Hill Companies (predecessor to S&P Global) in the mid-20th century, Platts expanded its benchmarks, such as Dated Brent for North Sea crude oil in 1988 and the Iron Ore Index (IODEX) for seaborne iron ore pricing. The 2022 merger enhanced capabilities by incorporating IHS Markit's downstream energy data, refining, and supply chain analytics, enabling broader coverage of volatile markets influenced by geopolitical events and energy transitions. Core offerings include Platts assessments, which are derived from daily market surveys of physical traders and serve as prices for over 1,000 contracts worldwide, including JKM for (LNG) and assessments for biofuels and clean commodities. These are delivered via platforms like Platts Connect, providing real-time data feeds, news, and analytics tools for over 15,000 clients across 150 countries. Additional services encompass software, AI-driven , consulting on transitions, and sector-specific insights into crude oil, , power, metals, , fertilizers, and petrochemicals. In commodity markets, plays a pivotal role in establishing price transparency and , with its benchmarks underpinning trillions in annual derivatives trading and physical settlements. For instance, Dated Brent influences approximately two-thirds of global oil pricing, while IODEX guides contracts on exchanges like the . The unit's methodologies emphasize verifiable transactions and market participant input, though they have faced scrutiny in regulatory probes, such as the European Commission's investigation into oil benchmarks, which resulted in enhanced compliance protocols without findings of manipulation. This positions it as a provider amid rising demand for data on sustainable commodities like biofuels and battery metals.

S&P Global Mobility

S&P Global Mobility operates as the automotive intelligence division of S&P Global, delivering data, analytics, forecasts, and advisory services that span the entire automotive lifecycle, from production to and service. Its solutions draw on proprietary datasets covering registrations, , supply chains, and trends, serving nearly every (OEM), 90% of automotive suppliers, and a broad range of dealers and . With roots tracing to the 1920s through R.L. Polk & Co.'s initial registration reports, the division evolved via the 2013 acquisition of Polk (including ) by IHS Inc., which later became and was acquired by S&P Global in February 2022, integrating these assets into its current structure. The division comprises three primary business areas: Used Vehicle Sales & Service, which includes the brand for history reports derived from billions of records across service, police, and sources; Strategy & Product Planning, focused on demand forecasting, pricing intelligence, and tools like those enhanced by the February 2023 acquisition of Market Scan Information Systems for incentive and pricing data; and & , providing production forecasts, parts data, and supplier analytics across over 150 components and 300 models. Key brands such as Polk deliver registration and ownership data for market sizing, while automotiveMastermind supports for dealer sales and service optimization. In 2024, S&P Global reported $1.6 billion in , reflecting an 8% year-over-year driven by demand for data-driven decision-making amid disruptions and trends. On April 29, 2025, S&P Global announced its intent to separate the segment into a standalone by 2026, aiming to unlock value through focused in automotive technology and data services, with CEO appointed to lead the entity. This move follows earlier considerations of divestiture options, including potential full sale, amid strategic reviews of non-core assets.

Business Expansion and Restructuring

Major Acquisitions

S&P Global's major acquisitions have focused on enhancing its data , market intelligence, and capabilities. In July 2015, McGraw Hill Financial, the predecessor entity to S&P Global, acquired SNL Financial for $2.225 billion in cash, integrating specialized financial data and to strengthen coverage of banking, energy, and sectors, which later formed the core of S&P Global Market Intelligence following the 2016 .
DateAcquired EntityDeal ValueStrategic Focus
March 2018Kensho Technologies$550 million (net of cash, mix of cash and stock), , and advanced analytics to improve core product capabilities across ratings and indices.
December 2019451 ResearchUndisclosedEmerging technology research and advisory, expanding on high-growth sectors like , centers, and for S&P Global .
November 2020 (agreed; completed February 2022)$44 billion (all-stock)Broad , analytics, and decision-support tools across commodities, mobility, and financial markets, creating a leading provider of essential and enabling cross-segment synergies.
October 2025 (agreed; expected close 2025 or early 2026)With Intelligence$1.8 billionPrivate markets and analytics, including , credit, and , to establish in investments and complement existing offerings in private capital.
These transactions reflect a of bolt-on and transformative deals to integrate specialized datasets and technologies, with the merger representing the largest expansion in history by scale and scope.

Key Divestitures

In , The McGraw-Hill Companies, S&P Global's predecessor, initiated a strategic review that included the divestiture of its division, comprising eight television stations, to refocus on higher-growth areas such as financial information services. The sale, advised by , aligned with efforts to streamline operations amid shifting media landscapes and capitalize on core competencies in and . A pivotal divestiture occurred in 2013 when McGraw-Hill sold its education business, McGraw-Hill Education, to for $2.5 billion, with the transaction completing on March 22. This move separated non-core educational publishing and technology assets, generating proceeds that bolstered the balance sheet and facilitated the 2013 rebranding to McGraw-Hill Financial (later S&P Global in 2016), emphasizing financial ratings, indices, and market intelligence. The education unit had contributed significantly to prior revenues but faced challenges from digital disruption in publishing. To secure regulatory approval for its $44 billion acquisition of in 2021, S&P Global agreed to divest three price reporting agency businesses: Coal Trader, Media’s Coalindo unit in , and OPIS's ethanol assessment business, as mandated by the U.S. Department of Justice to preserve in pricing data. These asset sales addressed antitrust concerns over overlapping operations, enabling the merger's completion while maintaining . In April 2025, S&P Global and announced the sale of OSTTRA, a post-trade solutions provider formed from their 2021 , to for $3.1 billion, reflecting a strategic exit from certain derivatives processing segments to prioritize core analytics and ratings businesses. Concurrently, S&P Global revealed plans to its Mobility segment—including and Polk data services, which generated $1.6 billion in 2024 revenue—into a standalone by 2026 via a tax-free distribution, aiming to unlock value in automotive intelligence while sharpening focus on financial and commodity insights. These actions underscore a pattern of shedding peripheral or regulated assets to enhance and shareholder returns amid evolving market demands.

Leadership and Governance

Presidents and Chief Executives

served as president and chief executive officer of McGraw-Hill Financial (subsequently rebranded S&P Global Inc.) from November 1, 2013, to November 1, 2024. , previously president of Standard & Poor's, succeeded Harold W. McGraw III following the separation of McGraw-Hill's financial businesses from its . Under his leadership, the company rebranded to S&P Global in April 2016 to emphasize its focus on financial data, ratings, and analytics, and pursued acquisitions such as in 2022. Prior to the 2013 restructuring, S&P Global's predecessor financial operations fell under The McGraw-Hill Companies, where Harold W. McGraw III held the roles of chairman, president, and CEO from April 1998 until November 1, 2013. A fourth-generation family leader, McGraw III directed the divestiture of non-core assets and the spin-off of , enabling the financial arm's independent operation as McGraw-Hill Financial. He transitioned to non-executive chairman of McGraw-Hill Financial until becoming chairman emeritus in 2015. Martina L. Cheung assumed the positions of president and CEO effective November 1, 2024, succeeding . Previously president of since 2021, Cheung was selected for her experience in driving revenue growth and integrating acquisitions within the company's data and analytics segments. Earlier in McGraw-Hill's history, Joseph L. Dionne served as president and CEO from 1983 to 1996, succeeding Harold McGraw Jr. as chairman remained in that role. Dionne focused on diversifying into , including the 1966 acquisition of Standard & Poor's, which formed the core of today's ratings business.

Regulatory Role and Market Influence

Nationally Recognized Statistical Rating Organization Status

S&P Global Ratings was designated as one of the initial s (NRSROs) by the U.S. Securities and Exchange Commission (SEC) in 1975, alongside and , to provide standardized credit assessments for regulatory purposes such as determining the eligibility of municipal bonds for investment by banks. This designation arose from the SEC's need for reliable statistical ratings to inform investment restrictions under the Glass-Steagall Act, initially applied to a specific bond issue but expanded to recognize agencies with established methodologies and market influence. The NRSRO status confers official recognition that an agency's ratings meet criteria for analytical rigor, independence, and transparency, enabling their use in federal regulations including bank capital requirements, rules, and net capital computations. maintains registration across all five NRSRO classes defined by the : (i) financial institutions, (ii) insurance companies, (iii) corporate issuers, (iv) U.S. issuers, and (v) issuers, allowing its ratings to apply broadly in regulatory contexts. Following the , during which NRSRO ratings of mortgage-backed securities were widely criticized for underestimating risks due to conflicts in the issuer-pays model, the Dodd-Frank Reform and Consumer Protection Act of 2010 imposed enhanced oversight on NRSROs, including requirements for internal controls, rating methodologies disclosure, and examinations, without revoking S&P's status. The has since sought to reduce "mechanistic reliance" on NRSRO ratings in regulations, mandating alternatives like internal risk assessments for some rules, though ratings remain embedded in areas such as capital frameworks where investment-grade status affects risk weights. As of 2024, continues as an active NRSRO, subject to ongoing supervision to address historical failures in rating accuracy for complex instruments.

Provision of Benchmarks, Data, and Analytics

S&P Global delivers benchmarks, data, and analytics through specialized divisions, including for index-based benchmarks and Market Intelligence for comprehensive datasets and tools. These services encompass , , , and indices that function as market standards for , , and . For example, the index tracks 500 leading U.S. companies, representing about 80% of the total U.S. . Assets linked to S&P Global benchmarks exert substantial market influence, with approximately $13 trillion tied to the alone as of the end of , comprising roughly $7 trillion in indexed assets and $6 trillion benchmarked. These benchmarks underpin exchange-traded funds, passive investment strategies, and institutional portfolios, shaping capital flows and serving as reference points for trillions in global investments across . In commodities, Platts price benchmarks provide real-time assessments for and metals markets, facilitating transparent pricing, hedging, and contractual settlements worldwide. The company's offerings include proprietary financial datasets, alternative such as and metrics, and external sources integrated with advanced analytics for and analysis. Tools like S&P Capital IQ Pro enable users to access , conduct peer , and derive insights for mergers, acquisitions, and . Analytics solutions extend to -driven applications, including the S&P Benchmarks launched in 2024 to evaluate large language models' quantitative reasoning in finance, and a 2025 -enhanced sector rotation index that adapts to predictive market signals. Through these provisions, S&P Global influences market dynamics by standardizing evaluations and enabling data-driven decisions, with benchmarks recognized as gold standards that promote and comparability in , , and automotive sectors. Regulatory solutions within help institutions navigate , such as entity verification and tax reporting, reinforcing the firm's role in systemic financial infrastructure.

Economic and Systemic Impact

S&P Global's credit ratings significantly influence global capital flows by signaling creditworthiness to investors, thereby affecting borrowing costs for sovereigns, corporations, and municipalities. Empirical analyses demonstrate that sovereign rating downgrades elevate government bond yields and exacerbate debt distress risks, particularly in developing economies, while upgrades facilitate lower funding costs and enhanced access to international capital markets. For corporate borrowers, rating changes propagate to firm-level risk: upgrades correlate with reduced volatility and financing expenses, whereas downgrades amplify spreads and constrain lending supply, especially for banks exposed to sovereign ceilings. These effects extend to investment decisions, as downgrades curb capital expenditures and signal broader economic caution, channeling resources toward higher-rated entities and reinforcing market discipline. The firm's benchmarks, notably the index, exert systemic influence by serving as a primary gauge of U.S. economic health and directing passive strategies managing trillions in assets. Tracked by exchange-traded funds and mutual funds, the index's —spanning 500 leading companies across sectors—shapes portfolio allocations, firm valuations, and even incentives, as inclusion criteria prioritize and profitability. This benchmark role amplifies economic signals: fluctuations in the correlate with broader , influencing expectations and cross-border tied to U.S. revenue exposure in constituent firms. As a , S&P Global's outputs integrate into regulatory frameworks like , where ratings determine risk weights for bank capital requirements, thereby modulating systemic liquidity and . Higher ratings lower required buffers, enabling expanded lending during expansions, while downgrades trigger deleveraging that can propagate contagion risks across interconnected markets. Complementing ratings, S&P's commodity insights and economic data—such as Purchasing Managers' Indices—inform policy formulation and hedging strategies, stabilizing supply chains in and sectors amid . Overall, these mechanisms foster transparency and efficient resource allocation but embed rating agencies in feedback loops where their assessments can intensify procyclicality in credit cycles.

Controversies, Criticisms, and Reforms

Failures in the 2008 Financial Crisis

Standard & Poor's (S&P), as one of the major credit rating agencies, assigned investment-grade ratings, including AAA, to a significant volume of residential mortgage-backed securities (RMBS) and collateralized debt obligations (CDOs) backed by subprime and Alt-A mortgages between 2004 and 2007, despite underlying risks from lax lending standards and rising home prices. These ratings facilitated the securitization and distribution of over $2 trillion in such instruments to institutional investors, who relied on them as indicators of low default risk comparable to U.S. Treasuries. However, S&P's rating methodologies relied on historical data and Gaussian copula models that failed to adequately account for correlated defaults across geographically concentrated subprime loans or the potential for a nationwide housing downturn, leading to systematic overestimation of tranche safety. Early signs of distress emerged in 2007, but S&P's response lagged. On June 1, 2007, S&P, alongside Moody's, downgraded over 100 bonds backed by second-lien subprime mortgages, signaling initial recognition of delinquency spikes exceeding 10% in some pools. By , 2007, S&P downgraded ratings for monoline bond insurers like and Ambac, exposing vulnerabilities in guaranteed structures supporting $2.9 billion in potential claims. The scale of misratings became evident in 2008: by March, S&P had downgraded 44.3% of subprime RMBS tranches rated from 2005 to Q3 2007, including 87.2% of those initially rated , with cumulative downgrades affecting thousands of securities totaling hundreds of billions in notional value. On October 18, 2008, S&P further cut ratings on $23.35 billion in loan-backed securities, amplifying market turmoil as forced sales and margin calls ensued. These failures stemmed from methodological flaws and competitive pressures in the issuer-pays model, where fees from sponsors incentivized lenient criteria to capture —S&P's revenue surged 52% from 2004 to 2005 amid booming issuance. The Inquiry Commission (FCIC) identified rating agencies as "essential cogs" in the meltdown, citing inadequate and deference to issuer-provided data over independent analysis. A 2008 SEC examination revealed deficiencies in S&P's internal controls, including unverified assumptions in cash flow models and delays in updating criteria despite evident subprime deterioration by mid-2007. Post-crisis, empirical analyses confirmed that pre-2007 AAA-rated subprime tranches defaulted at rates up to 28 times higher than historical precedents, underscoring the disconnect between ratings and actual . Regulatory repercussions included a U.S. of Justice lawsuit alleging intentional inflation of to maintain business, settled in 2015 for $1.375 billion—the largest penalty against a agency—without admission of wrongdoing, alongside state settlements totaling over $687 million. These events prompted Dodd-Frank reforms mandating enhanced oversight of nationally recognized statistical organizations (NRSROs), though critics argue persistent issuer incentives limit fundamental accountability. S&P's lapses contributed causally to systemic , as highly rated securities underpinned off-balance-sheet vehicles and capital requirements, magnifying losses when defaults materialized.

Conflicts of Interest in the Issuer-Pays Model

The issuer-pays model, adopted by and other major agencies in the , shifted revenue from subscriptions to fees paid by issuers seeking ratings, creating inherent incentives for agencies to favor clients to maintain business relationships. Under this structure, issuers select and compensate the agency, enabling "ratings shopping" where firms solicit multiple opinions and select the most favorable, pressuring agencies to inflate assessments to win or retain mandates. This model has been empirically linked to ratings inflation, with research indicating that issuer-paid ratings systematically exceed independent benchmarks, as agencies prioritize revenue over accuracy to avoid losing market share in a competitive dominated by S&P, Moody's, and Fitch. During the 2004-2007 period leading to the , S&P issued overly optimistic ratings on residential mortgage-backed securities (RMBS) and collateralized debt obligations (CDOs), despite internal awareness of underlying risks, contributing to widespread investor losses estimated in trillions globally. Regulatory scrutiny has repeatedly highlighted these conflicts, culminating in S&P's 2015 settlement of $1.375 billion with the U.S. Department of Justice and multiple states for misleading ratings on subprime-linked instruments, where the agency acknowledged conduct tied to pressures without admitting . In 2022, the charged S&P with violations involving undisclosed conflicts in municipal ratings, resulting in a $2.5 million penalty, underscoring ongoing issues where analyst compensation and influenced outputs. Post-crisis reforms under the Dodd-Frank Act aimed to mitigate these through enhanced oversight and alternative models like investor-paid ratings (e.g., via Egan-Jones), yet issuer-pays remains dominant, with studies showing persistent but narrowed gaps between paid and unpaid ratings. Critics, including regulators, argue the model's persistence perpetuates systemic risks, as agencies' fee dependence—S&P derived over 90% of ratings revenue from issuers by the —undermines independence, though defenders cite reputational safeguards as a counterbalance. In 2015, (then Standard & Poor's) reached a $1.375 billion settlement with the U.S. Department of Justice (DOJ) and attorneys general from 19 states plus the District of Columbia, resolving allegations that the firm issued inflated credit ratings on residential mortgage-backed securities (RMBS) and collateralized debt obligations (CDOs) leading up to the . The DOJ claimed S&P knowingly misrepresented the quality of these securities to maintain and fees under its issuer-pays model, contributing to investor losses exceeding $5 billion in the referenced transactions; S&P neither admitted nor denied the allegations but agreed to the payment, split evenly between the DOJ ($687.5 million) and the states/DC ($687.5 million). This settlement followed a 2013 civil lawsuit by the DOJ, which argued S&P prioritized interests over analytical , including internal emails showing pressure to rate deals "structurally" similar to prior ones without rigorous review. Concurrently in January 2015, the U.S. settled separate charges against S&P for misleading investors on RMBS ratings, imposing a $77 million penalty ($58 million to the , $12 million to , and $7 million to ) and a one-year from rating certain new RMBS deals. The found S&P failed to disclose changes in its rating methodologies that deviated from public criteria, effectively defrauding investors by presenting ratings as objective when internal processes favored issuers; again, S&P settled without admitting wrongdoing. These resolutions capped extensive post-crisis litigation, including private investor suits, amid scrutiny that rating agencies' oligopolistic position and fee structures created incentives for leniency, though defenders argued ratings reflected flawed underlying data from originators. Post-2015 regulatory actions have focused on compliance and conflicts rather than systemic fraud. In November 2022, the charged with violating rules under the Credit Rating Agency Reform Act by failing to manage conflicts of interest in unsolicited ratings of products, resulting in a $2.5 million ; the agency agreed to cease-and-desist and implement procedures without admitting or denying findings. More recently, in September 2024, S&P paid a $20 million penalty to settle allegations of recordkeeping failures, where analysts used unapproved off-channel communications (e.g., personal texting apps) for business discussions, breaching rules requiring retention of official records; this was part of a broader enforcement against six rating agencies totaling $49 million in penalties, with the noting S&P's remedial efforts. Such cases reflect ongoing oversight of Nationally Recognized Statistical Rating Organizations (NRSROs) to ensure , though fines remain modest relative to S&P's and have not altered its core operations.

Empirical Assessments of Rating Accuracy and Post-Crisis Changes

Empirical analyses of ' accuracy prior to the revealed substantial shortcomings, particularly in . Ratings assigned to subprime mortgage-backed securities often failed to anticipate default risks, leading to widespread downgrades; by March 2008, S&P had downgraded 44.3% of subprime tranches it rated from the first quarter of 2005 through the third quarter of 2007, with 87.2% of initially AAA-rated tranches affected. These lapses stemmed from optimistic assumptions in proprietary models, such as underestimating correlation risks and overreliance on historical data that did not capture housing market vulnerabilities, contributing to procyclical behavior where ratings amplified booms and busts. Post-crisis evaluations indicate mixed improvements in accuracy, with evidence of enhanced timeliness and in certain segments like corporate bonds, though persistent issues remain in structured products and during economic stress. A examining rating adjustments before defaults found that agencies, including S&P, implemented more stringent pre-default changes after 2008, correlating with better predictions for lenders, suggesting refined methodologies reduced some informational asymmetries. However, broader empirical work shows limited overall in standards, as market-driven factors rather than inherent tightening explained rating shifts, with accuracy ratios—measuring discrimination between defaulters and non-defaulters—improving modestly but still lagging alternative models like option-based pricing in volatile periods. For instance, post-2008 corporate analyses reported decreased and faster responses to deteriorating , yet and ratings exhibited agency-specific differences, with S&P tightening during the crisis but not sustaining stricter long-term criteria beyond regulatory pressures. Regulatory reforms under the Dodd-Frank Act of 2010 prompted S&P to overhaul methodologies, emphasizing forward-looking stress tests, enhanced surveillance, and greater transparency in assumptions, such as revised correlation models for collateralized debt obligations. These changes correlated with empirical gains; a Harvard Business School analysis concluded that investor trust in ratings remains viable due to post-crisis refinements, evidenced by better alignment between ratings and realized defaults in non-crisis periods. Nonetheless, critiques persist that issuer-pays conflicts and model opacity continue to undermine accuracy, with studies finding no significant reduction in rating inflation during expansions, highlighting that while post-crisis adjustments mitigated some pre-2008 flaws, systemic incentives limit full reliability.

Recent Developments

Integration Post-IHS Markit Merger

The merger between S&P Global and was completed on February 28, 2022, forming a combined entity with enhanced capabilities in data, analytics, and benchmarks across financial markets, commodities, and mobility sectors. focused on realizing cost and revenue synergies, with the company targeting approximately $600 million in annual run-rate cost savings, of which about 80% were expected by the end of 2023, and $350 million in revenue synergies by 2024 through opportunities and . Integration efforts included harmonizing operations, such as combining datasets for new offerings like the Console, which integrates shipping, trade, pricing, and risk data from both legacy businesses. By mid-2023, integration was progressing on track, with noting that S&P Global anticipated realizing most of the projected $600 million in cost synergies by year-end, driven by efficiencies in back-office functions, platforms, and . Merger-related costs totaled $35 million in 2023, reflecting ongoing expenses for system alignments and employee transitions, alongside severance charges of $26 million. During the third-quarter 2023 earnings call, CEO highlighted successful integration advancements, emphasizing cultural alignment and operational streamlining as key to unlocking value from the combined portfolio. Financial outcomes demonstrated the merger's benefits, with reported revenue in the first quarter post-merger rising 18% overall, including a 39% increase in the Market Intelligence segment to $727 million, primarily from incorporating Markit's contributions. The combined company achieved adjusted revenue growth of 6.5-8.0% annually, supported by 76% recurring revenue streams, and by , a significant portion of revenue synergies had materialized, contributing to sustained amid market volatility. Brand integration adopted a unified architecture under the S&P Global name, preserving sub-brand equity while streamlining external communications to enhance market perception. Challenges included managing change across a global workforce and regulatory divestitures, such as the sale of and associated businesses in 2021 to address antitrust concerns, but these did not materially hinder progress. Overall, the integration bolstered S&P Global's resilience, enabling investments in technology and expansion into adjacent markets like sustainability analytics, with no major disruptions reported in subsequent earnings through 2024.

Technological Innovations Including AI Applications

S&P Global has integrated (AI) and into its data analytics platforms following the 2022 merger with , leveraging acquired technologies such as Kensho's (NLP) and capabilities alongside IHS Markit's to enhance predictive modeling and . This merger enabled the expansion of AI-driven tools for , including sector rotation indices and credit research summarization, aiming to process vast datasets for real-time insights in ratings, benchmarks, and market intelligence. In October 2025, S&P Dow Jones Indices launched the S&P 500 3AI Sector Rotator Index, its inaugural AI-enhanced benchmark, which employs machine learning predictive modeling to dynamically rank sectors based on economic indicators, momentum, and valuation metrics, outperforming traditional static indices in backtested simulations by adjusting weights quarterly. Concurrently, S&P Global introduced ChatIQ within Capital IQ Pro, an AI-powered tool for multi-document analysis that processes up to 10 financial reports simultaneously, extracting key metrics, risks, and comparisons with traceable citations to source documents, reducing manual review time for analysts. Earlier in May 2025, the company debuted CreditCompanion, a generative AI application integrated into RatingsDirect on Capital IQ Pro, which scans ' proprietary research to generate summaries, peer comparisons, and analyses for over 1.5 million rated entities, incorporating structured data from more than 10,000 daily updates to credit reports. These tools build on Kensho's frameworks to automate entity resolution and from unstructured text, improving accuracy in assessments where traditional manual methods have shown variability in forecasting defaults. S&P Global has pursued strategic partnerships to embed its datasets into large language models, collaborating with and as of July 2025 to enable AI agents to query licensed financial, commodity, and mobility data for enterprise applications. In October 2025, a with IBM deployed agentic AI orchestration, combining S&P's domain-specific datasets with IBM's watsonx platform to automate workflows in risk monitoring and procurement optimization, processing petabyte-scale inputs for predictive alerts on disruptions. Such integrations prioritize explainable AI outputs, with built-in audit trails to mitigate risks observed in general-purpose models, aligning with regulatory demands for in financial decision-making.

2023-2025 Strategic Moves and Financial Performance

In , S&P Global achieved of $12.497 billion, reflecting an 11.77% increase from $11.181 billion in 2022, driven primarily by growth in its Market Intelligence and Indices segments amid sustained demand for and services. The company also divested its Solutions division, which had contributed $133 million to 2023 , as part of efforts to refocus on core competencies in , commodities, and mobility . Adjusted diluted (EPS) for the year stood at approximately $13.43, supported by operational efficiencies and higher fee-based revenues. For 2024, expanded to $14.208 billion, a 13.69% year-over-year rise, with fourth-quarter figures reaching $3.592 billion, up 14% from the prior year's quarter. This performance was bolstered by robust activity in capital markets and commodity insights, alongside disciplined cost management that yielded adjusted diluted of $15.70. Total liabilities increased modestly to $22.71 billion by year-end, a 1.0% rise from 2023, indicating stable amid expansion. Through the first half of 2025, S&P Global sustained momentum, reporting second-quarter revenue of $3.76 billion, a 6% increase year-over-year and surpassing analyst expectations of $3.66 billion, with adjusted EPS of $4.43 exceeding forecasts of $4.20. Analysts project full-year 2025 adjusted EPS at $17.20, representing 9.6% growth from 2024, contingent on continued market stability and segment expansion. Strategically, the company sold its OSTTRA post-trade solutions unit to KKR for $3.1 billion in 2025, enabling sharper focus on high-margin analytics. On October 15, 2025, S&P Global announced the $1.8 billion acquisition of With Intelligence from Motive Partners, aimed at strengthening its position in private markets data and expected to close in late 2025 or early 2026 pending regulatory approval. These moves align with a broader emphasis on and inorganic growth in high-value data domains, contributing to share price appreciation and enhanced shareholder returns through buybacks and dividends.

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