Financial Stress Scores (FSS) predict the likelihood over the next 12 months that a business will:
Scores are annotated into five distinct risk groups where a one represents businesses that have the lowest probability of financial stress, and a five represents businesses with the highest probability of financial stress.
The Delinquency Score (DS) predicts the likelihood that within the next 12 months a company will:
A severely delinquent firm is defined as a business with at least 10 percent of its payments made after more than 91 days. Payments are weighted based on the total balance of accounts paid later than 91 days compared to the total balance owed.