Model

Use cases · Corporates

Bank credit analyst: 20 ways to use Ora

Equity signals as early credit warnings: drawdowns, dividend cuts, misses and volatility. Each example is a complete, runnable request with the real answers it returned (45 requests, captured 2026-10-31), what they mean and, where it fits, the action it would send.

Run withAnswers were captured on ora-fin-0.1.1. Another model changes the request JSON and the Playground link; run it there to see its answers.

Rule functions and facts used by this player (47)

sma 12 offset 9 max 6 ref 4 cut_last 3 div_yield_ttm 3 lowest 3 log 3 sqrt 3 std 3 swinghigh 2 swinglow 2 eps_year_ago 2 last_eps 2 miss_eps_last 2 misses_last4 2 zscore 2 evening_star 2 min 2 abs 2 avg 1 div_change_pct 1 pays_dividend 1 miss_revenue_last 1 atr 1 three_black_crows 1 atr_pct 1 adx 1 crossdown 1 diminus 1 diplus 1 beat_revenue_last 1 days_since_earnings 1 last_earnings_move 1 crossup 1 dragonfly_doji 1 days_to_earnings 1 next_report_bmo 1 least 1 percentrank 1 shooting_star 1 raised_last 1 years_of_growth 1 linreg 1 greatest 1 rsi 1 tweezer_top 1

Examples 11–20 of 20 · page 2 of 2

Bank credit analyst · example 11

Credit analyst: T after earnings, any red flags?

After the borrower reports, check revenue, EPS and the dividend in one request.

ora-fin-0.1.1T6 questions

StateT
Questions6 asked
Answersreal, captured
Actionsnone

State

{"symbol":"T"} The server fills in the latest completed session.

Questions

`recent`	rule	`days_since_earnings <= 5` Reported in the last 5 days
`rev_miss`	English → rule	Did revenue beat estimates last quarter?
`eps_pos`	English → rule	Was EPS positive last quarter?
`eps_yoy`	English → rule	Is EPS up year over year?
`no_cut`	rule	`cut_last < 0.5` Did not cut its last dividend
`fell`	English → rule	Did the stock fall after its last earnings report?

Answers

Question	Answer	Reading
`recent` Reported in the last 5 days	0.1033	false
`rev_miss` Did revenue beat estimates last quarter compiled to `beat_revenue_last > 0.5`	0.8591	true
`eps_pos` Was EPS positive last quarter compiled to `last_eps > 0`	0.9463	true
`eps_yoy` Is EPS up year over year compiled to `last_eps > eps_year_ago`	0.9463	true
`no_cut` Did not cut its last dividend	0.8591	true
`fell` Did the stock fall after its last earnings report compiled to `last_earnings_move < 0`	0.9463	true

What it means

For T on the session of 2026-10-30: True now: Did revenue beat estimates last quarter; Was EPS positive last quarter; Is EPS up year over year; Did not cut its last dividend; Did the stock fall after its last earnings report. Not true: Reported in the last 5 days.

Positive EPS, no dividend cut and a revenue beat mean the quarter did not change the credit story; any false answer gets a note in the file.

Request JSON

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "T"
  },
  "questions": {
    "recent": {
      "type": "yes_no",
      "ask": "days_since_earnings <= 5"
    },
    "rev_miss": {
      "type": "yes_no",
      "instructions": "Did revenue beat estimates last quarter?"
    },
    "eps_pos": {
      "type": "yes_no",
      "instructions": "Was EPS positive last quarter?"
    },
    "eps_yoy": {
      "type": "yes_no",
      "instructions": "Is EPS up year over year?"
    },
    "no_cut": {
      "type": "yes_no",
      "ask": "cut_last < 0.5"
    },
    "fell": {
      "type": "yes_no",
      "instructions": "Did the stock fall after its last earnings report?"
    }
  }
}

Response JSON (T, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "recent": {
      "yes_no": 0.1033,
      "rule": "days_since_earnings <= 5",
      "basis": "rule"
    },
    "rev_miss": {
      "yes_no": 0.8591,
      "rule": "beat_revenue_last > 0.5",
      "basis": "pattern"
    },
    "eps_pos": {
      "yes_no": 0.9463,
      "rule": "last_eps > 0",
      "basis": "pattern"
    },
    "eps_yoy": {
      "yes_no": 0.9463,
      "rule": "last_eps > eps_year_ago",
      "basis": "pattern"
    },
    "no_cut": {
      "yes_no": 0.8591,
      "rule": "cut_last < 0.5",
      "basis": "rule"
    },
    "fell": {
      "yes_no": 0.9463,
      "rule": "last_earnings_move < 0",
      "basis": "pattern"
    }
  },
  "context": {
    "symbol": "T",
    "as_of": "2026-10-30"
  }
}

beat_revenue_last cut_last days_since_earnings eps_year_ago last_earnings_move last_eps

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Bank credit analyst · example 12

Credit analyst: airline borrowers in one scan (DAL, UAL, AAL, LUV)

Airlines are cyclical, highly levered credits; compare their equity health side by side.

ora-fin-0.1.14 symbols, one request each4 questions1 action

State4 symbols
Questions4 asked
Answersreal, captured
Actions1 rule · dry run

State

{"symbol":"DAL"} then UAL, AAL, LUV, one request each. The server fills in the latest completed session.

Questions

`drawdown`	rule	`C < 0.8 * max(H, 252)` More than 20% off the 52-week high
`below200`	English → rule	Is the stock below its 200-day moving average?
`hv`	English → rule	Is 20-day historical volatility above 40%?
`drop10`	forecast	Will it drop at least 10% at some point in the next month? A 10% drawdown within a month

Answers

Symbol	`drawdown`rule	`below200`rule	`hv`rule	`drop10`forecast	Fired
`DAL`	0.1364	0.1787	0.0965	0.54	none
`UAL`	0.841	0.7368	0.834	0.614	`weakest`
`AAL`	0.9447	0.8758	0.5434	0.648	`weakest`
`LUV`	0.7627	0.688	0.2732	0.477	`weakest`

true false not known for rules; forecasts are odds. Hover a column for its question.

Actions

Rules on the answers decide what to send. Each symbol runs its own request, so each one can fire.

drawdown >= 0.6 and below200 >= 0.6→Emailcredit-committee

DAL 0 of 1 fired · dry run, nothing sent

UAL 1 of 1 fired · dry run, nothing sent

weakestwould send (dry run)Email → credit-committee

{
  "subject": "Airline credit watch: UAL",
  "text": "UAL (2026-10-30): 20% drawdown 84% and below the 200-day 74%. 10% drop odds 61%. Prioritise the review."
}

AAL 1 of 1 fired · dry run, nothing sent

weakestwould send (dry run)Email → credit-committee

{
  "subject": "Airline credit watch: AAL",
  "text": "AAL (2026-10-30): 20% drawdown 94% and below the 200-day 88%. 10% drop odds 65%. Prioritise the review."
}

LUV 1 of 1 fired · dry run, nothing sent

weakestwould send (dry run)Email → credit-committee

{
  "subject": "Airline credit watch: LUV",
  "text": "LUV (2026-10-30): 20% drawdown 76% and below the 200-day 69%. 10% drop odds 48%. Prioritise the review."
}

What it means

Session of 2026-10-30, 4 symbols: More than 20% off the 52-week high: true for UAL, AAL, LUV of 4. Is the stock below its 200-day moving average: true for UAL, AAL, LUV of 4. Is 20-day historical volatility above 40%: true for UAL of 4. Highest odds for “A 10% drawdown within a month”: AAL at 65%. weakest fired for UAL, AAL, LUV.

The weakest equity in the group is usually the credit with the least headroom; it gets reviewed first.

Request JSON (DAL; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "DAL"
  },
  "questions": {
    "drawdown": {
      "type": "yes_no",
      "ask": "C < 0.8 * max(H, 252)"
    },
    "below200": {
      "type": "yes_no",
      "instructions": "Is the stock below its 200-day moving average?"
    },
    "hv": {
      "type": "yes_no",
      "instructions": "Is 20-day historical volatility above 40%?"
    },
    "drop10": {
      "type": "yes_no",
      "instructions": "Will it drop at least 10% at some point in the next month?"
    }
  },
  "actions": [
    {
      "id": "weakest",
      "when": "drawdown >= 0.6 and below200 >= 0.6",
      "do": "email",
      "connection": "credit-committee",
      "subject": "Airline credit watch: {{symbol}}",
      "message": "{{symbol}} ({{as_of}}): 20% drawdown {{drawdown|pct}} and below the 200-day {{below200|pct}}. 10% drop odds {{drop10|pct}}. Prioritise the review."
    }
  ],
  "dry_run": true
}

Response JSON (DAL, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "drawdown": {
      "yes_no": 0.1364,
      "rule": "C < 0.8 * max(H, 252)",
      "basis": "rule"
    },
    "below200": {
      "yes_no": 0.1787,
      "rule": "C < sma(C, 200)",
      "basis": "comparison"
    },
    "hv": {
      "yes_no": 0.0965,
      "rule": "std(log(C / C[-1]), 20) * sqrt(20 / 19) * sqrt(252) > 0.4",
      "basis": "pattern"
    },
    "drop10": {
      "yes_no": 0.54
    }
  },
  "context": {
    "symbol": "DAL",
    "as_of": "2026-10-30"
  },
  "actions": [
    {
      "id": "weakest",
      "fired": false,
      "status": "skipped"
    }
  ]
}

log max offset sma sqrt std

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Bank credit analyst · example 13

Credit analyst: is the bounce in INTC real or a dead-cat?

After a deep fall, check whether the rebound has structure: higher lows, a reclaimed average, reversal candles.

ora-fin-0.1.1INTC6 questions

StateINTC
Questions6 asked
Answersreal, captured
Actionsnone

State

{"symbol":"INTC"} The server fills in the latest completed session.

Questions

`bounce`	English → rule	Has the stock bounced at least 5% off its 20-day low?
`higher_low`	rule	`swinglow(5, 1) > swinglow(5, 2)` Latest swing low above the one before
`dragonfly`	rule	`dragonfly_doji()` dragonfly doji candle: Doji with a long lower wick (60%+ of the range) and almost no upper wick.
`reclaim`	rule	`crossup(C, sma(C, 50))` Crossed above the 50-day today
`still_bear`	English → rule	Is the stock in bear-market territory, more than 20% below its 52-week high?
`rally10`	forecast	Will it rally at least 10% at some point in the next month? A 10% rally within a month

Answers

Question	Answer	Reading
`bounce` Has the stock bounced at least 5% off its 20-day low compiled to `C >= min(L, 20) * 1.05`	0.4628	on the line (false)
`higher_low` Latest swing low above the one before	0.4334	on the line (false)
`dragonfly` dragonfly doji candle: Doji with a long lower wick (60%+ of the range) and almost no upper wick.	0.0927	false
`reclaim` Crossed above the 50-day today	0.05	false
`still_bear` Is the stock in bear-market territory, more than 20% below its 52-week high compiled to `C < 0.8 * max(H, 252)`	0.9463	true
`rally10` A 10% rally within a month	0.871	87% · likely

What it means

For INTC on the session of 2026-10-30: True now: Is the stock in bear-market territory, more than 20% below its 52-week high. Not true: dragonfly doji candle: Doji with a long lower wick (60%+ of the range) and almost no upper wick.; Crossed above the 50-day today. On the line: Has the stock bounced at least 5% off its 20-day low; Latest swing low above the one before. Forecasts: A 10% rally within a month 87%.

A bounce without higher lows is weak evidence of recovery; credit views change on fundamentals, but the tape tells the analyst where the market stands.

Request JSON

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "INTC"
  },
  "questions": {
    "bounce": {
      "type": "yes_no",
      "instructions": "Has the stock bounced at least 5% off its 20-day low?"
    },
    "higher_low": {
      "type": "yes_no",
      "ask": "swinglow(5, 1) > swinglow(5, 2)"
    },
    "dragonfly": {
      "type": "yes_no",
      "ask": "dragonfly_doji()"
    },
    "reclaim": {
      "type": "yes_no",
      "ask": "crossup(C, sma(C, 50))"
    },
    "still_bear": {
      "type": "yes_no",
      "instructions": "Is the stock in bear-market territory, more than 20% below its 52-week high?"
    },
    "rally10": {
      "type": "yes_no",
      "instructions": "Will it rally at least 10% at some point in the next month?"
    }
  }
}

Response JSON (INTC, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "bounce": {
      "yes_no": 0.4628,
      "rule": "C >= min(L, 20) * 1.05",
      "basis": "pattern"
    },
    "higher_low": {
      "yes_no": 0.4334,
      "rule": "swinglow(5, 1) > swinglow(5, 2)",
      "basis": "rule"
    },
    "dragonfly": {
      "yes_no": 0.0927,
      "rule": "dragonfly_doji()",
      "basis": "rule"
    },
    "reclaim": {
      "yes_no": 0.05,
      "rule": "crossup(C, sma(C, 50))",
      "basis": "rule"
    },
    "still_bear": {
      "yes_no": 0.9463,
      "rule": "C < 0.8 * max(H, 252)",
      "basis": "pattern"
    },
    "rally10": {
      "yes_no": 0.871
    }
  },
  "context": {
    "symbol": "INTC",
    "as_of": "2026-10-30"
  }
}

crossup dragonfly_doji max min sma swinglow

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Bank credit analyst · example 14

Credit analyst: earnings due for borrowers with quarterly covenants

Remind the portfolio team which borrowers report within two weeks, so covenant certificates are expected on time.

ora-fin-0.1.13 symbols, one request each3 questions1 action

State3 symbols
Questions3 asked
Answersreal, captured
Actions1 rule · dry run

State

{"symbol":"GM"} then F, DAL, one request each. The server fills in the latest completed session.

Questions

`soon`	English → rule	Is earnings in the next 14 days?
`bmo`	English → rule	Does the stock report before the market opens next time?
`streak`	English → rule	Has the stock missed EPS estimates in any of the last 4 quarters?

Answers

Symbol	`soon`rule	`bmo`rule	`streak`rule	Fired
`GM`	0.0537	0.8591	0.1409	none
`F`	0.0537	0.1409	0.55	none
`DAL`	0.0537	0.8591	0.55	none

true false not known for rules; forecasts are odds. Hover a column for its question.

Actions

Rules on the answers decide what to send. Each symbol runs its own request, so each one can fire.

soon >= 0.6→Emailportfolio-mgmt

GM 0 of 1 fired · dry run, nothing sent

F 0 of 1 fired · dry run, nothing sent

DAL 0 of 1 fired · dry run, nothing sent

What it means

Session of 2026-10-30, 3 symbols: Is earnings in the next 14 days: true for none of 3. Does the stock report before the market opens next time: true for GM, DAL of 3. Has the stock missed EPS estimates in any of the last 4 quarters: true for none of 3. remind fired for none.

A calendar fact turned into a reminder; the certificate deadline itself comes from the credit agreement.

Request JSON (GM; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "GM"
  },
  "questions": {
    "soon": {
      "type": "yes_no",
      "instructions": "Is earnings in the next 14 days?"
    },
    "bmo": {
      "type": "yes_no",
      "instructions": "Does the stock report before the market opens next time?"
    },
    "streak": {
      "type": "yes_no",
      "instructions": "Has the stock missed EPS estimates in any of the last 4 quarters?"
    }
  },
  "actions": [
    {
      "id": "remind",
      "when": "soon >= 0.6",
      "do": "email",
      "connection": "portfolio-mgmt",
      "subject": "{{symbol}} reports within 14 days",
      "message": "{{symbol}} ({{as_of}}): next report within 14 days ({{soon|pct}}). Before the open {{bmo|pct}}. Missed in the last four quarters {{streak|pct}}. Expect the compliance certificate."
    }
  ],
  "dry_run": true
}

Response JSON (GM, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "soon": {
      "yes_no": 0.0537,
      "rule": "days_to_earnings <= 14",
      "basis": "pattern"
    },
    "bmo": {
      "yes_no": 0.8591,
      "rule": "next_report_bmo > 0.5",
      "basis": "pattern"
    },
    "streak": {
      "yes_no": 0.1409,
      "rule": "misses_last4 >= 1",
      "basis": "pattern"
    }
  },
  "context": {
    "symbol": "GM",
    "as_of": "2026-10-30"
  },
  "actions": [
    {
      "id": "remind",
      "fired": false,
      "status": "skipped"
    }
  ]
}

days_to_earnings misses_last4 next_report_bmo

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Bank credit analyst · example 15

A Monday credit market note: HYG, JNK, LQD and bank stocks

Every Monday morning, the credit team gets one line per instrument with trend and drawdown odds.

ora-fin-0.1.14 symbols, one request each3 questions1 actionworkflow · Mon at 08:00 ET

ScheduleMon at 08:00 ET
State4 symbols
Questions3 asked
Answersreal, captured
Actions1 rule · dry run

State

{"symbol":"HYG"} then JNK, LQD, KRE, one request each. The server fills in the latest completed session.

Questions

`trend`	rule	`C > sma(C, 50)` Above the 50-day average
`down_month`	English → rule	Is the stock down more than 5% over the last month?
`drop5`	forecast	Will it drop at least 5% at some point in the next month? A 5% drawdown within a month

Answers

Symbol	`trend`rule	`down_month`rule	`drop5`forecast	Fired
`HYG`	0.1914	0.0537	0.009	`note`
`JNK`	0.1742	0.0537	0.011	`note`
`LQD`	0.6552	0.0537	0.022	`note`
`KRE`	0.5119	0.0594	0.309	`note`

true false not known for rules; forecasts are odds. Hover a column for its question.

Actions

Rules on the answers decide what to send. Each symbol runs its own request, so each one can fire.

trend >= 0→Slackcredit-desk

HYG 1 of 1 fired · dry run, nothing sent

notewould send (dry run)Slack → credit-desk

{
  "text": "HYG (2026-10-30): above 50-day 19%, down 5% on the month 5%, 5% drawdown odds 1%."
}

JNK 1 of 1 fired · dry run, nothing sent

notewould send (dry run)Slack → credit-desk

{
  "text": "JNK (2026-10-30): above 50-day 17%, down 5% on the month 5%, 5% drawdown odds 1%."
}

LQD 1 of 1 fired · dry run, nothing sent

notewould send (dry run)Slack → credit-desk

{
  "text": "LQD (2026-10-30): above 50-day 66%, down 5% on the month 5%, 5% drawdown odds 2%."
}

KRE 1 of 1 fired · dry run, nothing sent

notewould send (dry run)Slack → credit-desk

{
  "text": "KRE (2026-10-30): above 50-day 51%, down 5% on the month 6%, 5% drawdown odds 31%."
}

What it means

Session of 2026-10-30, 4 symbols: Above the 50-day average: true for LQD of 4. Is the stock down more than 5% over the last month: true for none of 4. Highest odds for “A 5% drawdown within a month”: KRE at 31%. note fired for HYG, JNK, LQD, KRE.

A standing weekly note keeps the desk aligned on market conditions before pricing new facilities.

As a scheduled workflow (Mon at 08:00 ET)

Create it under Workflows in the console: it runs these questions for every symbol on the schedule and fires the actions per symbol. The answers above are what one run returned.

{
  "name": "A Monday credit market note: HYG, JNK, LQD and bank stocks",
  "symbols": "HYG JNK LQD KRE",
  "days": [
    1
  ],
  "at_time": "08:00",
  "model": "ora-fin-0.1.1",
  "questions": {
    "trend": {
      "type": "yes_no",
      "ask": "C > sma(C, 50)"
    },
    "down_month": {
      "type": "yes_no",
      "instructions": "Is the stock down more than 5% over the last month?"
    },
    "drop5": {
      "type": "yes_no",
      "instructions": "Will it drop at least 5% at some point in the next month?"
    }
  },
  "actions": [
    {
      "id": "note",
      "when": "trend >= 0",
      "do": "slack",
      "connection": "credit-desk",
      "message": "{{symbol}} ({{as_of}}): above 50-day {{trend|pct}}, down 5% on the month {{down_month|pct}}, 5% drawdown odds {{drop5|pct}}."
    }
  ]
}

Request JSON (HYG; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "HYG"
  },
  "questions": {
    "trend": {
      "type": "yes_no",
      "ask": "C > sma(C, 50)"
    },
    "down_month": {
      "type": "yes_no",
      "instructions": "Is the stock down more than 5% over the last month?"
    },
    "drop5": {
      "type": "yes_no",
      "instructions": "Will it drop at least 5% at some point in the next month?"
    }
  },
  "actions": [
    {
      "id": "note",
      "when": "trend >= 0",
      "do": "slack",
      "connection": "credit-desk",
      "message": "{{symbol}} ({{as_of}}): above 50-day {{trend|pct}}, down 5% on the month {{down_month|pct}}, 5% drawdown odds {{drop5|pct}}."
    }
  ],
  "dry_run": true
}

Response JSON (HYG, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "trend": {
      "yes_no": 0.1914,
      "rule": "C > sma(C, 50)",
      "basis": "rule"
    },
    "down_month": {
      "yes_no": 0.0537,
      "rule": "C / C[-21] - 1 < -0.05",
      "basis": "pattern"
    },
    "drop5": {
      "yes_no": 0.009
    }
  },
  "context": {
    "symbol": "HYG",
    "as_of": "2026-10-30"
  },
  "actions": [
    {
      "id": "note",
      "fired": true,
      "status": "dry_run",
      "do": "slack",
      "connection": "credit-desk",
      "preview": {
        "text": "HYG (2026-10-30): above 50-day 19%, down 5% on the month 5%, 5% drawdown odds 1%."
      }
    }
  ]
}

offset sma

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Bank credit analyst · example 16

Credit analyst: did media borrower DIS gap down on news, and did it hold?

Check a media borrower for a news gap down and whether it held the low of the day.

ora-fin-0.1.1DIS5 questions

StateDIS
Questions5 asked
Answersreal, captured
Actionsnone

State

{"symbol":"DIS"} The server fills in the latest completed session.

Questions

`gap`	rule	`O < L[-1]` Opened below yesterday's low
`gap_pct`	rule	`O < C[-1] * 0.99` Opened more than 1% below yesterday's close
`close_low`	rule	`(C - L) / (H - L) < 0.25` Closed in the bottom quarter of the day's range
`least`	rule	`least(O, C) - L > 2 * abs(C - O)` Long lower wick: more than twice the body
`drop5`	forecast	Will it drop at least 5% at some point in the next month? A 5% drawdown within a month

Answers

Question	Answer	Reading
`gap` Opened below yesterday's low	0.0584	false
`gap_pct` Opened more than 1% below yesterday's close	0.0537	false
`close_low` Closed in the bottom quarter of the day's range	0.7296	true
`least` Long lower wick: more than twice the body	0.1548	false
`drop5` A 5% drawdown within a month	0.325	33% · unlikely

What it means

For DIS on the session of 2026-10-30: True now: Closed in the bottom quarter of the day's range. Not true: Opened below yesterday's low; Opened more than 1% below yesterday's close; Long lower wick: more than twice the body. Forecasts: A 5% drawdown within a month 33%.

A gap down that closes near the low is the weaker signal; a long lower wick means buyers stepped in during the day.

Request JSON

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "DIS"
  },
  "questions": {
    "gap": {
      "type": "yes_no",
      "ask": "O < L[-1]"
    },
    "gap_pct": {
      "type": "yes_no",
      "ask": "O < C[-1] * 0.99"
    },
    "close_low": {
      "type": "yes_no",
      "ask": "(C - L) / (H - L) < 0.25"
    },
    "least": {
      "type": "yes_no",
      "ask": "least(O, C) - L > 2 * abs(C - O)"
    },
    "drop5": {
      "type": "yes_no",
      "instructions": "Will it drop at least 5% at some point in the next month?"
    }
  }
}

Response JSON (DIS, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "gap": {
      "yes_no": 0.0584,
      "rule": "O < L[-1]",
      "basis": "rule"
    },
    "gap_pct": {
      "yes_no": 0.0537,
      "rule": "O < C[-1] * 0.99",
      "basis": "rule"
    },
    "close_low": {
      "yes_no": 0.7296,
      "rule": "(C - L) / (H - L) < 0.25",
      "basis": "rule"
    },
    "least": {
      "yes_no": 0.1548,
      "rule": "least(O, C) - L > 2 * abs(C - O)",
      "basis": "rule"
    },
    "drop5": {
      "yes_no": 0.325
    }
  },
  "context": {
    "symbol": "DIS",
    "as_of": "2026-10-30"
  }
}

abs least offset

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Bank credit analyst · example 17

Credit analyst: retail borrower TGT vs the retail sector (XRT)

Compare a large retail borrower with the retail ETF for stress around guidance season.

ora-fin-0.1.12 symbols, one request each5 questions

State2 symbols
Questions5 asked
Answersreal, captured
Actionsnone

State

{"symbol":"TGT"} then XRT, one request each. The server fills in the latest completed session.

Questions

`below200`	English → rule	Is the stock below its 200-day moving average?
`miss`	English → rule	Did the stock miss EPS estimates last quarter?
`percent`	rule	`percentrank(C, 252) < 10` Close in the bottom tenth of its one-year range
`shooting`	rule	`shooting_star()` shooting star candle: Upper wick at least twice the body, lower wick at most 10% of the range, after a five-bar rise.
`drop10`	forecast	Will it drop at least 10% at some point in the next month? A 10% drawdown within a month

Answers

Symbol	`below200`rule	`miss`rule	`percent`rule	`shooting`rule	`drop10`forecast
`TGT`	0.0596	0.1409	0.0537	0.0569	0.489
`XRT`	0.115	0.50	0.0545	0.0738	0.32

true false not known for rules; forecasts are odds. Hover a column for its question.

What it means

Session of 2026-10-30, 2 symbols: Is the stock below its 200-day moving average: true for none of 2. Did the stock miss EPS estimates last quarter: true for none of 2. Close in the bottom tenth of its one-year range: true for none of 2. shooting star candle: Upper wick at least twice the body, lower wick at most 10% of the range, after a five-bar rise.: true for none of 2. Highest odds for “A 10% drawdown within a month”: TGT at 49%.

A borrower in the bottom of its one-year range while the sector is not points to company-specific trouble.

Request JSON (TGT; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "TGT"
  },
  "questions": {
    "below200": {
      "type": "yes_no",
      "instructions": "Is the stock below its 200-day moving average?"
    },
    "miss": {
      "type": "yes_no",
      "instructions": "Did the stock miss EPS estimates last quarter?"
    },
    "percent": {
      "type": "yes_no",
      "ask": "percentrank(C, 252) < 10"
    },
    "shooting": {
      "type": "yes_no",
      "ask": "shooting_star()"
    },
    "drop10": {
      "type": "yes_no",
      "instructions": "Will it drop at least 10% at some point in the next month?"
    }
  }
}

Response JSON (TGT, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "below200": {
      "yes_no": 0.0596,
      "rule": "C < sma(C, 200)",
      "basis": "comparison"
    },
    "miss": {
      "yes_no": 0.1409,
      "rule": "miss_eps_last > 0.5",
      "basis": "pattern"
    },
    "percent": {
      "yes_no": 0.0537,
      "rule": "percentrank(C, 252) < 10",
      "basis": "rule"
    },
    "shooting": {
      "yes_no": 0.0569,
      "rule": "shooting_star()",
      "basis": "rule"
    },
    "drop10": {
      "yes_no": 0.489
    }
  },
  "context": {
    "symbol": "TGT",
    "as_of": "2026-10-30"
  }
}

miss_eps_last percentrank shooting_star sma

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Bank credit analyst · example 18

Credit analyst: is VZ's high yield a warning sign?

An unusually high yield can mean the market doubts the dividend; pair it with trend and payout history.

ora-fin-0.1.1VZ5 questions

StateVZ
Questions5 asked
Answersreal, captured
Actionsnone

State

{"symbol":"VZ"} The server fills in the latest completed session.

Questions

`yield`	rule	`div_yield_ttm > 6` Trailing yield above 6%
`raised`	rule	`raised_last > 0.5` Raised its last dividend
`years`	English → rule	Has the stock grown its dividend for 10 years in a row?
`trend`	English → rule	Is the stock above its 200-day moving average?
`raise_next`	forecast	Will the company raise its dividend next year? Raising the dividend next year

Answers

Question	Answer	Reading
`yield` Trailing yield above 6%	0.7708	true
`raised` Raised its last dividend	0.1409	false
`years` Has the stock grown its dividend for 10 years in a row compiled to `years_of_growth >= 10`	0.9463	true
`trend` Is the stock above its 200-day moving average compiled to `C > sma(C, 200)`	0.3448	false
`raise_next` Raising the dividend next year	0.442	44% · close to even

What it means

For VZ on the session of 2026-10-30: True now: Trailing yield above 6%; Has the stock grown its dividend for 10 years in a row. Not true: Raised its last dividend; Is the stock above its 200-day moving average. Forecasts: Raising the dividend next year 44%.

A high yield with a continuing raise record and a recovering trend reads differently from a high yield on a falling stock.

Request JSON

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "VZ"
  },
  "questions": {
    "yield": {
      "type": "yes_no",
      "ask": "div_yield_ttm > 6"
    },
    "raised": {
      "type": "yes_no",
      "ask": "raised_last > 0.5"
    },
    "years": {
      "type": "yes_no",
      "instructions": "Has the stock grown its dividend for 10 years in a row?"
    },
    "trend": {
      "type": "yes_no",
      "instructions": "Is the stock above its 200-day moving average?"
    },
    "raise_next": {
      "type": "yes_no",
      "instructions": "Will the company raise its dividend next year?"
    }
  }
}

Response JSON (VZ, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "yield": {
      "yes_no": 0.7708,
      "rule": "div_yield_ttm > 6",
      "basis": "rule"
    },
    "raised": {
      "yes_no": 0.1409,
      "rule": "raised_last > 0.5",
      "basis": "rule"
    },
    "years": {
      "yes_no": 0.9463,
      "rule": "years_of_growth >= 10",
      "basis": "pattern"
    },
    "trend": {
      "yes_no": 0.3448,
      "rule": "C > sma(C, 200)",
      "basis": "comparison"
    },
    "raise_next": {
      "yes_no": 0.442
    }
  },
  "context": {
    "symbol": "VZ",
    "as_of": "2026-10-30"
  }
}

div_yield_ttm raised_last sma years_of_growth

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Bank credit analyst · example 19

Credit analyst: leveraged loans (BKLN) vs high-yield bonds (HYG)

Floating-rate loans and fixed-rate junk bonds react differently to rates; compare their trends.

ora-fin-0.1.12 symbols, one request each5 questions

State2 symbols
Questions5 asked
Answersreal, captured
Actionsnone

State

{"symbol":"BKLN"} then HYG, one request each. The server fills in the latest completed session.

Questions

`trend`	English → rule	Is the stock above its 200-day moving average?
`linreg`	rule	`linreg(C, 50) < ref(linreg(C, 50), -10)` 50-day regression line lower than two weeks ago
`tight`	English → rule	Has the stock traded in a range of less than 5% over the last 10 sessions?
`vol_low`	English → rule	Is 20-day historical volatility below 20%?
`down_week`	forecast	Will the stock be lower in a week? Lower in a week

Answers

Symbol	`trend`rule	`linreg`rule	`tight`rule	`vol_low`rule	`down_week`forecast
`BKLN`	0.9463	0.7678	0.9463	0.9463	0.434
`HYG`	0.1909	0.803	0.9463	0.9463	0.425

true false not known for rules; forecasts are odds. Hover a column for its question.

What it means

Session of 2026-10-30, 2 symbols: Is the stock above its 200-day moving average: true for BKLN of 2. 50-day regression line lower than two weeks ago: true for BKLN, HYG of 2. Has the stock traded in a range of less than 5% over the last 10 sessions: true for BKLN, HYG of 2. Is 20-day historical volatility below 20%: true for BKLN, HYG of 2. Highest odds for “Lower in a week”: BKLN at 43%.

If loans weaken while bonds hold, the stress is in floating-rate borrowers, which matters for the bank's own loan book.

Request JSON (BKLN; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "BKLN"
  },
  "questions": {
    "trend": {
      "type": "yes_no",
      "instructions": "Is the stock above its 200-day moving average?"
    },
    "linreg": {
      "type": "yes_no",
      "ask": "linreg(C, 50) < ref(linreg(C, 50), -10)"
    },
    "tight": {
      "type": "yes_no",
      "instructions": "Has the stock traded in a range of less than 5% over the last 10 sessions?"
    },
    "vol_low": {
      "type": "yes_no",
      "instructions": "Is 20-day historical volatility below 20%?"
    },
    "down_week": {
      "type": "yes_no",
      "instructions": "Will the stock be lower in a week?"
    }
  }
}

Response JSON (BKLN, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "trend": {
      "yes_no": 0.9463,
      "rule": "C > sma(C, 200)",
      "basis": "comparison"
    },
    "linreg": {
      "yes_no": 0.7678,
      "rule": "linreg(C, 50) < ref(linreg(C, 50), -10)",
      "basis": "rule"
    },
    "tight": {
      "yes_no": 0.9463,
      "rule": "max(H, 10) / min(L, 10) - 1 < 0.05",
      "basis": "pattern"
    },
    "vol_low": {
      "yes_no": 0.9463,
      "rule": "std(log(C / C[-1]), 20) * sqrt(20 / 19) * sqrt(252) < 0.2",
      "basis": "pattern"
    },
    "down_week": {
      "yes_no": 0.434
    }
  },
  "context": {
    "symbol": "BKLN",
    "as_of": "2026-10-30"
  }
}

linreg log max min offset ref sma sqrt std

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Bank credit analyst · example 20

Credit analyst: has the rally in GE topped out?

After a big rally in a borrower's equity, check for topping candles before relying on it as collateral value.

ora-fin-0.1.1GE6 questions

StateGE
Questions6 asked
Answersreal, captured
Actionsnone

State

{"symbol":"GE"} The server fills in the latest completed session.

Questions

`tweezer`	rule	`tweezer_top()` tweezer top candle: Green then red, with highs within 0.1%.
`evening`	English → rule	Is there an evening star on the last three candles?
`greatest`	rule	`H - greatest(O, C) > 2 * abs(C - O)` Long upper wick: more than twice the body
`rsi70`	rule	`rsi(C, 14) > 70` RSI above 70
`below_sh`	rule	`C < swinghigh(5, 2)` Below the swing high before the latest one
`drop5`	forecast	Will it drop at least 5% at some point in the next month? A 5% drawdown within a month

Answers

Question	Answer	Reading
`tweezer` tweezer top candle: Green then red, with highs within 0.1%.	0.3781	false
`evening` Is there an evening star on the last three candles compiled to `evening_star()`	0.0553	false
`greatest` Long upper wick: more than twice the body	0.0741	false
`rsi70` RSI above 70	0.0537	false
`below_sh` Below the swing high before the latest one	0.8446	true
`drop5` A 5% drawdown within a month	0.534	53% · close to even

What it means

For GE on the session of 2026-10-30: True now: Below the swing high before the latest one. Not true: tweezer top candle: Green then red, with highs within 0.1%.; Is there an evening star on the last three candles; Long upper wick: more than twice the body; RSI above 70. Forecasts: A 5% drawdown within a month 53%.

Topping candles after a big rally are a reason to haircut equity collateral conservatively, not to call a top.

Request JSON

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "GE"
  },
  "questions": {
    "tweezer": {
      "type": "yes_no",
      "ask": "tweezer_top()"
    },
    "evening": {
      "type": "yes_no",
      "instructions": "Is there an evening star on the last three candles?"
    },
    "greatest": {
      "type": "yes_no",
      "ask": "H - greatest(O, C) > 2 * abs(C - O)"
    },
    "rsi70": {
      "type": "yes_no",
      "ask": "rsi(C, 14) > 70"
    },
    "below_sh": {
      "type": "yes_no",
      "ask": "C < swinghigh(5, 2)"
    },
    "drop5": {
      "type": "yes_no",
      "instructions": "Will it drop at least 5% at some point in the next month?"
    }
  }
}

Response JSON (GE, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "tweezer": {
      "yes_no": 0.3781,
      "rule": "tweezer_top()",
      "basis": "rule"
    },
    "evening": {
      "yes_no": 0.0553,
      "rule": "evening_star()",
      "basis": "pattern"
    },
    "greatest": {
      "yes_no": 0.0741,
      "rule": "H - greatest(O, C) > 2 * abs(C - O)",
      "basis": "rule"
    },
    "rsi70": {
      "yes_no": 0.0537,
      "rule": "rsi(C, 14) > 70",
      "basis": "rule"
    },
    "below_sh": {
      "yes_no": 0.8446,
      "rule": "C < swinghigh(5, 2)",
      "basis": "rule"
    },
    "drop5": {
      "yes_no": 0.534
    }
  },
  "context": {
    "symbol": "GE",
    "as_of": "2026-10-30"
  }
}

abs evening_star greatest rsi swinghigh tweezer_top

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Information, not investment advice. Rules answer from the latest completed daily session; forecasts are probabilities. Actions ran as dry runs: nothing was sent. More in Corporates: Investor relations team, Corporate treasury, CFO office, Financial journalist / media.

Create an account Open the Playground Everything here also lives in the console, next to your keys and usage.

Individuals

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Corporates

Builders

Institutions

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Credit analyst: did media borrower DIS gap down on news, and did it hold?

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Credit analyst: retail borrower TGT vs the retail sector (XRT)

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Credit analyst: is VZ's high yield a warning sign?

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What it means

Credit analyst: leveraged loans (BKLN) vs high-yield bonds (HYG)

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Credit analyst: has the rally in GE topped out?

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Answers

What it means