All three of these independent companies offer analysis and rankings to help consumers make better decisions. Each company has its own focus, however, and may look at different industries. J.D. Power, for example, covers a broad range of industries and looks primarily at customer satisfaction. AM Best, meanwhile, is focused solely on the insurance industry and uses company data to determine financial strength. Moody’s works more broadly with corporate finance and is used widely by investors and financial institutions looking to determine financial risk.