Climate X Spectra

Climate X Ltd is a climate risk analytics company registered in England and Wales, with offices in London and New York. It serves banks, real estate owners, private equity firms, insurers and consultancies that need to translate physical climate hazards into financial impacts for lending, investment and regulatory reporting, and states that its clients manage over 13.5 trillion US dollars in assets.

Spectra combines downscaled multi-model climate projections with proprietary vulnerability datasets and geospatial hazard models covering 12 hazards, around 2 billion mapped assets and 44 million miles of infrastructure. Users upload a portfolio, choose scenario parameters and download a financial impact report with risk ratings, hazard probability and severity metrics at asset and portfolio level. The product family also includes Adapt, which quantifies adaptation CapEx and ROI, and Carta, which maps assets of 18.7 million public and private companies. Access is via a web platform or an Enterprise API.

• Portfolio upload: Upload assets, set scenario parameters and download a financial impact report.
• Multi-hazard metrics: Risk ratings, hazard probability and severity for 12 hazards.
• Financial translation: Loss metrics that feed model risk management and stress testing.
• Adapt: Estimates adaptation CapEx and ROI based on ISO standards, UNFCCC and EU guidance.
• Carta: Asset-level visibility across 18.7 million public and private companies.
• Enterprise API: Programmatic access for large portfolios and integration with risk systems.

• A real estate fund investing in Vietnamese logistics parks runs climate due diligence on target assets before acquisition.
• A bank quantifies flood-related losses on its commercial real estate loan book for IFRS S2 reporting.
• A property developer uses Adapt to budget adaptation CapEx for coastal resort projects.

• Translates physical climate risk into financial loss metrics at asset and portfolio level, cutting reliance on spreadsheets and consultants.
• Reporting aligned with IFRS S2/TCFD, EU Taxonomy, ECB expectations, CSRD and SEC in a few clicks.
• Enterprise API scales analysis to hundreds of thousands of assets.
• Adapt module quantifies the capital expenditure and return on adaptation measures for each asset.

Banks and real estate investors face supervisory expectations and IFRS S2 disclosure rules that require quantified physical risk in financial terms. In Vietnam, real estate and industrial park assets are concentrated in flood-prone urban areas and deltas, and foreign investors increasingly ask for climate due diligence, creating demand for tools that link hazards to asset values.

Climate X Ltd, company registration number 13107608, registered in England and Wales, address 166 Borough High Street, London; US office in Manhattan, New York. Certified B Corp and ISO 27001 and ISO 14001 certified. Spectra is described as trusted by G-SIBs and US asset managers; recent partnerships include IBD Group (August 2026) and Aroundtown, plus a wildfire report with CBRE.