Analysis of the financial, macro and behavioral data of a company to estimate its probability of default.
Comparison with a benchmark of similar SMEs and dynamic approach.
A visual report with the 10 most relevant variables contributing to the score.
What’s the purpose of Financial X-Ray?
Financial X-Ray is an instant credit-risk scoring model based on financial, macroeconomic and behavioral data.
Financial X-Ray assess the possible default likelihood of your clients and convert it into a score ranging from A to E (from low to high probability of default).
A visual report explains the 10 most relevant criterion that contributed to the score and why the grade was assigned.
How does Financial X-Ray work?
Financial X-Ray collects data from external databases and from the company's financial statements to provide an automated estimation of the default rate.
The probability of default and the score are generated by the cumulative processing of 20 to 30 indicators. Financial X-Ray is trained using machine learning algorithms based on several hundred thousand loan applications processed by October to date. Each company will be analyzed differently based on the most relevant features and their comparison with the performances of similar SMEs, resulting in a dynamic scoring model.
The Financial X-Ray report provides an overview of the positive or negative impact each indicator has on the overall score.