# Greater Than

> Clarifo company profile — qualitative business description generated from
> the company's filings. Financial statements, charts and ratios are
> available on Clarifo (https://www.clarifo.com/en/companies/greaterthan).

## Overview

Greater Than is a Stockholm-based software company that provides AI-driven risk intelligence for road safety and mobility. Its platform turns GPS and vehicle data from connected cars, telematics devices, dashcams, and mobile apps into driver scores, crash-probability insights, and climate-impact analytics for organizations that manage fleets, insurance, or mobility services.

## Products & services

• Driver score and crash probability analytics
• Climate impact and emissions analytics
• API/SDK data integration from GPS sources
• Dashboards, reports, and management tools
• Prevention tools, apps, and gamification features
• Add-on analytics services on a per-user basis

- **AI risk scoring** (45%) — DriverDNA-based scoring and crash-probability analytics for road risk assessment.
- **Climate impact analytics** (20%) — Analytics that estimate driver-influenced fuel use, emissions, and EV battery impact.
- **Platform subscriptions** (20%) — SaaS access to dashboards, management tools, and reporting modules.
- **Integration services** (10%) — API and SDK connectivity for telematics, OEM, dashcam, and app data feeds.
- **Intervention and engagement tools** (5%) — Apps, communication tools, and gamification features for behavior change.

- Driver score and crash probability analytics
- Climate impact and emissions analytics
- API/SDK data integration from GPS sources
- Dashboards, reports, and management tools
- Prevention tools, apps, and gamification features
- Add-on analytics services on a per-user basis

## Customers

Greater Than sells to B2B customers that own or control GPS driving data and want to convert it into risk intelligence. Core buyers include motor insurers, telematics providers, fleet operators, mobility companies, and transport businesses that use the scores for pricing, safety programs, sustainability reporting, and driver engagement.

- **Motor insurance companies** (primary) — Buy crash-probability and driver-risk analytics to support pricing, underwriting, and portfolio management.
- **Telematics providers** (primary) — Use the platform to segment GPS data, enrich offerings, and create insurance-related services.
- **Fleet operators** (primary) — Purchase dashboards and intervention tools to reduce accidents, monitor drivers, and improve safety programs.
- **Mobility and transport companies** (secondary) — Use driver scores to manage operational risk, improve utilization, and support driver behavior change.
- **Owners of GPS data** (secondary) — Use analytics to monetize data assets and support sustainability or ESG reporting use cases.

- Motor insurers using scores for pricing and underwriting
- Telematics companies monetizing connected-vehicle data
- Fleet operators improving safety and driver performance
- Mobility and transport firms managing operational risk
- Organizations using ESG and sustainability reporting data

## Geography

Greater Than describes its business as globally scalable, with AI trained on driving data from more than 106 countries and 1,600 cities. The company operates through an international footprint that includes Stockholm, Singapore, Tokyo, Denver, Palo Alto, London, and Brussels, reflecting a sales and partner model that can serve customers across regions without local hardware dependence.

- AI trained on driving data from 106+ countries and 1,600 cities
- International presence across Europe, North America, and Asia
- Stockholm is the company’s main base in the disclosed materials
- Digital delivery reduces the need for country-specific deployment
- Global comparability is central to the product’s value proposition

## Strategy

The company’s strategy is to position its AI as a global scoring standard for road safety and climate impact, with comparable risk outputs across vehicle types, geographies, and data sources. It is also broadening use cases from insurance toward fleet customers and ESG-related applications, while keeping the product fully digital and easy to integrate through API or SDK connections.

- **Broaden the customer base beyond insurance** (medium-term) — Diversifies demand and increases the number of organizations that can use the platform for safety and ESG analytics.
- **Strengthen the global scoring standard** (long-term) — Comparable risk scoring across geographies and vehicle types is the core differentiator versus traditional telematics.
- **Increase product adoption through modular SaaS** (short-term) — Per-user subscriptions and add-ons can expand wallet share once a customer is integrated.

- Expand use of AI scoring across insurance, fleets, and mobility
- Keep the product globally comparable across vehicles and geographies
- Use API/SDK integration to reduce customer implementation friction
- Sell add-on modules for dashboards, reporting, and interventions
- Support ESG and sustainability use cases alongside safety analytics

## Risks

Greater Than depends on continued customer adoption of a relatively specialized analytics product, so demand can be uneven if insurers or fleets delay new data projects. The business also faces execution risk from limited organizational resources, dependence on key personnel, and the need to keep its AI model accurate and differentiated as telematics and mobility analytics evolve.

- **Limited resources** [high] — The company states it is small with constrained management, administrative, and capital resources.
- **Future financing needs** [high] — Additional investment may be required to fund development and growth before the business reaches scale.
- **Demand uncertainty** [medium] — The market is described as fast-moving and not yet mature, which makes forecasting difficult.
- **Dependence on key personnel** [medium] — Specialized AI and data analytics capabilities rely on a limited number of critical employees.
- **Macro and geopolitical pressure** [medium] — Higher energy prices and interest rates can weaken customer purchasing power and supplier conditions.

- Customer adoption risk if buyers delay analytics or ESG projects
- Limited resources can constrain execution and product rollout
- Key-person dependence is material in a specialized AI business
- Model performance risk if crash prediction loses accuracy
- Macro and financing risk can affect growth and operating flexibility

## Accounting

The main accounting issue is revenue recognition for SaaS subscriptions and add-on services, which are billed per user per month and may include multiple service elements. Investors should also watch for judgment in capitalizing or expensing development-related costs, as well as any impairment risk in intangible assets if customer adoption or product traction slows.

- **IFRS 15 revenue recognition** — Revenue is likely recognized over time as services are delivered.
- **Development costs and intangible assets** — Affects EBITDA, operating profit, and balance-sheet asset values.
- **Impairment testing** — Could create non-cash charges in periods of weaker performance.

- Monthly SaaS billing affects revenue timing and comparability
- Add-on services may create multiple performance obligations
- Development spending can affect operating expense versus asset treatment
- Intangible asset impairment is relevant for a software platform business
- Lease and personnel-related accruals may matter in a small company

---

*Last updated: 2026-08-11T04:04:52.961905+00:00*