Zfolio

Core Features

Combining wide data coverage with research-based methodologies, Zfolio is designed so users can simply upload their portfolios and receive comprehensive financed-emissions analyses. In practice, some of its main features are:

• PCAF-Aligned by Default — Accredited global partner; PCAF-compliant calculations across asset classes, with options to configure methods when needed.

• “Batteries-Included” Data — Millions of public and 6M+ private companies, 55M+ identifiers, EEIO factors, plus sovereign debt, real estate and vehicle-loan data.

• Simple Imports — Upload portfolio or loan lists using identifiers already on hand; the system auto-selects best-available data-quality scores.

• Transparent Auditability — For each holding, methods and sources are visible; Excel exports include a dedicated data-audit sheet.

• Delta Attribution Analytics — Research-backed model shows how sector weights, security weights, emissions intensity, and valuation shifts drive financed-emissions changes.

• Planning & What-Ifs — Full-Cycle release adds rebalancing workbooks, “what-if” analysis, and emissions forecasting versus climate pathways.

Closing Insights

Zfolio’s origins combine fintech execution with climate expertise. Co-founder Dan Rissin previously built and sold institutional trading and risk software (AlphaDesk) to Refinitiv/LSEG, while co-founder Peter Howard has two decades in climate strategy across carbon tech, government and consulting. That blend shaped Zfolio’s “batteries-included” stance: a single platform offering the data, methods and analytics needed for financed-emissions work, rather than forcing customers to stitch products together.

A key differentiator is Zfolio’s delta-attribution methodology, now published with The Journal of Impact & ESG Investing, which quantifies why financed emissions rise or fall using factors portfolio teams already understand. This helps link climate reporting to portfolio decisions. Zfolio has also recently become a PCAF Global Accredited Partner and received an A+ third-party cyber-security rating for its AWS infrastructure and web application. Some notable organisations featured on Zfolio’s site include the London Stock Exchange, Investment Management Corporation of Ontario and Mars, indicating cross-sector relevance.

Zfolio provides financial institutions with a unified environment for measuring, interpreting, and managing portfolio decarbonization. It combines integrated data resources and PCAF-compliant calculations, enhanced by an ESG Book connection that supplies reported and estimated Scope 1–3 emissions to expand coverage and speed up portfolio-level assessments.