Financial Stability Risk ScoreSM

Avoid the small number of big hits from failed businesses

Financial Stability Risk Score V2

Avoid big hits from failed businesses

Experian’s new Financial Stability Risk Score V2 is available in both a Logistic Regression and Machine Learned model.  The Financial Stability Risk Score V2 helps companies quickly identify businesses at the highest risk for failure and payment default. Both score models uses payment data such as severely delinquent payments of 61-plus and 91-plus days; high utilization of credit lines; and public records, including tax liens, judgments and bankruptcy filings.

Our breakthrough Financial Stability Risk Score V2 boosts performance gains with a 40% improvement in the Machine Learned model, 29% higher performance in the 20th percentile bad captures and offers longer timeframes with a projection of 24 months up from 12 months.  The new scores are now on a 300-850 logarithmic scale, allowing our clients flexibility in setting cut-offs and developing risk strategies.

You can improve the speed and efficiency of your risk decisions and realize these benefits:

  • Avoid write-offs and payment defaults by using the easy-to-understand 300 to 850 scale, where 60 percent of the risk is focused in the bottom 10 percent of scores.
  • Five risk classes help you quickly identify businesses with high risk of bankruptcy and payment default.
  • Understand the results by seeing up to four reasons for the lowered scores.
Experian’s Financial Stability Risk Score V2 is available today via API and NetConnect. Talk with your Account Executive today for availability on the platform you use to order BIS scores and reports.

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Learn more about Financial Stability Risk Score from this product sheet.

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