RealRate Inc.
2040 Martin Ave.
Santa Clara
California 95050
USA www.realrate.ai
[email protected]
calendly.com/holger-bartel
+49 160 90 844


Press Release


U.S. Savings Ranking 2023


The new Savings rating for 2023 has just been released by RealRate.


These are the top three Savings companies in the U.S., measured by Economic Capital Ratio:


1. OPEN LENDING CORP. – 63%
2. SWK HOLDINGS CORP. – 61%
3. NICHOLAS FINANCIAL INC. – 49%

The complete rating of 96 Savings companies is published at https://realrate.ai/rankings/


24 companies achieved the ‘Top Rated’ award.

Founded in 2000 and based in Austin, Texas, Open Lending is a provider of lending enablement and risk analytics solutions to financial institutions. The company specializes in loan analytics, risk-based pricing, risk modeling, and automated decision technology for automotive lenders throughout the United States. Its current assets are $380 million.

Headquartered in Dallas, Texas, and founded in 1996, SWK Holdings Corporation is a specialty finance company that focuses on the healthcare sector. It operates in two segments, Finance Receivables and Pharmaceutical Development. It has total current assets of $300 million.
Nicholas Financial is a consumer and auto loan company. The company engages in acquiring and servicing automobile finance installment contracts for the purchase of new and used automobiles and light trucks. It was founded in 1985 and is based in Clearwater, Florida. It has current assets of $184 million.

CEO Dr. Holger Bartel: “The American savings industry encompasses a wide array of financial institutions, from traditional banks to online savings platforms. In recent years, revenue figures have surged, with total savings deposits reaching approximately $10 trillion. This growth is driven by competitive interest rates, digital banking innovations, and increased consumer awareness of financial planning.
A strong financial strength is extremely important in the Savings industry, ensuring banks and lenders have enough liquidity to collaborate with their customers.”

About RealRate:
RealRate is an international rating agency based in Santa Clara and Berlin, founded in 2021. Using cutting-edge explainable Artificial Intelligence, we provide fair company ratings, avoiding any conflicts of interest. Combining AI and expert knowledge, financial strength is evaluated based on published annual reports. RealRate provides rankings for dozens of industries, like insurance, IT, real estate, food, and pharma. Only the best-rated companies are awarded the RealRate TOP Rated seal.