Loss Ratio Tool

See how profitability unfolds over time with the Loss Ratio Curve Analytics Tool.

The tool takes your earned premium and claims data and turns it into clear, time-aligned curves that show how loss ratios develop month by month. Every record is aligned from Month 1 forward, so you can see true performance by vintage, product, dealer, or any segment in your file.

Use the Loss Ratio Curve Analytics Tool to:

  • Measure profitability by vintage, product line, agent, or dealer
  • Compare earning methods—Pro Rata, Rule of 78s, Reverse 78s, or your own custom curve
  • Spot loss emergence trends early and tighten pricing or reserving
  • Benchmark results across administrators, dealer groups, or warranty types

No actuarial work. No modeling. Just upload your Excel file and see the curve.

No code. No waiting. Just clarity.

Easy to Use Loss Ratio Curve

  • Upload your Excel file
  • Choose your filters
  • View the graph instantly
  • Download your results

No coding. No formulas. No data science degree required.

Just fast, clear answers—ready in seconds.

 

Use Cases

 

F&I agents

When you walk into a dealership with loss ratios they’ve never seen before, you’re not just another rep—you’re the advisor who brings clarity. Dark Sky gives agents real performance insight across products and rooftops. Show the numbers, strengthen the relationship, elevate your role.

 

 

Warranty Administrators

Dark Sky Data's Loss Ratio Tool gives a clear view across products, make/model/year, dealerships, and vintages. Better visibility means faster, more confident underwriting and pricing decisions.

 

 

Private Equity Firms

Get a clear, comparable read on loss ratios across any target—without hiring an actuary or waiting weeks for analysis. Toggle between earning methods to see how product, partner, and vintage performance really looks. Faster diligence, lower cost, better decisions.

 

Benefits

TIME

Build a Loss Ratio Curve with filters in under 60 seconds

Skip the 10+ hours it takes to do it manually in Excel

ACCURACY

Remove human error with automated calculations

Trust every curve—logic is transparent and repeatable

FLEXIBILITY

Filter on any field in your dataset

Works with your structure—no need to reformat files

How It Works

Step 1: Upload and Set Fields

 

 

 

 

 

 

Drop in your Excel —no formatting required.
Big files? No problem. Just make sure the data is in the first tab.

 

Step 2: SET FILTERS

Turn any column into a filter.

Compare loss ratios by make/model/year, product, state, vintage, or any other column in your dataset.

Step 3: Build Curves

The curve builds itself—automatically and instantly.

Hover to reveal exact values with interactive tooltips.

Compare up to five filtered curves side-by-side, ready to explore or export.

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