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Ratings, PAYDEX® and Score Tables

D&B Rating Interpretation Table
D&B Score Interpretation Table
D&B PAYDEX Value Table
Financial Stress Score
Commercial Credit Score

Click here to view scores and ratings tables for businesses outside the United States.

D&B Rating Interpretation Table

The US 5A to HH ratings reflect company size based on net worth or equity as computed by D&B. These ratings are assigned to businesses that have supplied D&B with current financial information.

The 1R and 2R ratings categories reflect company size based on the total number of employees for the business. They are assigned to business files that do not contain a current financial statement. For 5A to HH Ratings, the Composite Credit Appraisal is a number between 1 and 4 that makes up the second half of the company's Rating and reflects an overall assessment of creditworthiness. Our creditworthiness assessment is based on both payments and financial stability. In 1R and 2R Ratings, the 2, 3, or 4 creditworthiness indicator is based on analysis by D&B of public filings, trade payments, business age and other important factors. 2 is the highest Composite Credit Appraisal a company not supplying D&B with current financial information can receive.

Financial Strength

Composite Credit Appraisal

Rating

US$

High

Good

Fair

Limited

5A

50,000,000 and over

1

2

3

4

4A

10,000,000 to 49,999,999

1

2

3

4

3A

1,000,000 to 9,999,999

1

2

3

4

2A

750,000 to 999,999

1

2

3

4

1A

500,000 to 749,999

1

2

3

4

BA

300,000 to 499,999

1

2

3

4

BB

200,000 to 299,999

1

2

3

4

CB

125,000 to 199,999

1

2

3

4

CC

75,000 to 124,999

1

2

3

4

DC

50,000 to 74,999

1

2

3

4

DD

35,000 to 49,999

1

2

3

4

EE

20,000 to 34,999

1

2

3

4

FF

10,000 to 19,999

1

2

3

4

GG

5,000 to 9,999

1

2

3

4

HH

Up to 4,999

1

2

3

4

 

Rating Classification

Composite Credit Appraisal

Rating

Number of Employees

High

Good

Fair

Limited

1R

10 employees and over

 

2

3

4

2R

1 to 9

 

2

3

4

 

Alternative Ratings Used

INV

Indicates that D&B is currently conducting an investigation to gather information for a new report.

DS

Indicates that the information available does not permit D&B to classify the company within our rating key.

-- (blank)

The blank symbol should not be interpreted as indicating that credit should be denied. It simply means that the information available to D&B does not permit us to classify the company within our rating key and that further enquiry should be made before reaching a decision. Some reasons for using a "-" symbol include: deficit net worth, bankruptcy proceedings, lack of insufficient payment information, or incomplete history information.

ER

Certain lines of business, primarily banks, insurance companies and government entities do not lend themselves to classification under the D&B Rating system. Instead, we assign these types of businesses an Employee range symbol based on the number of people employed. No other significance should be attached to this symbol. ERN should not be interpreted negatively. It simply means we do not have information indicating how many people are employed at this firm.

NQ

Not Quoted. This is generally assigned when a business has been confirmed as no longer active at the location, or when D & B is unable to confirm active operations. It may also appear on some branch reports, when the branch is located in the same city as the headquarters.

 

US Employee Range Designation

ER1

1000 or more employees

ER2

500 to 999 employees

ER3

100 to 499 employees

ER4

50 to 99 employees

ER5

20 to 49 employees

ER6

10 to 19 employees

ER7

5 to 9 employees

ER8

1 to 4 employees

ERN

Not Available

D&B Score Interpretation Table

D&B Score Interpretation Table

D&B PAYDEX Score

Payment Habit

100

Anticipate

90

Discount

80

Prompt

70

15 days beyond terms

60

22 days beyond terms

50

30 days beyond terms

40

60 days beyond terms

30

90 days beyond terms

20

120 days beyond terms

UN

Unavailable

D&B PAYDEX Value Table

PAYDEX Value Chart

PAYDEX

Average Days to Pay

100

30 days sooner than terms

99

29 days sooner than terms

98

28 days sooner than terms

97

27 days sooner than terms

96

26 days sooner than terms

95

25 days sooner than terms

94

24 days sooner than terms

93

23 days sooner than terms

92

22 days sooner than terms

91

21 days sooner than terms

90

20 days sooner than terms

89

18 days sooner than terms

88

16 days sooner than terms

87

14 days sooner than terms

86

12 days sooner than terms

85

10 days sooner than terms

84

8 days sooner than terms

83

6 days sooner than terms

82

4 days sooner than terms

81

2 days sooner than terms

80

ON TERMS

79

2 days beyond terms

78

3 days beyond terms

77

5 days beyond terms

76

6 days beyond terms

75

8 days beyond terms

74

9 days beyond terms

73

11 days beyond terms

72

12 days beyond terms

71

14 days beyond terms

70

15 days beyond terms

69

16 days beyond terms

68

17 days beyond terms

67

18 days beyond terms

66

19 days beyond terms

65

19 days beyond terms

64

19 days beyond terms

63

20 days beyond terms

62

21 days beyond terms

61

22 days beyond terms

60

22 days beyond terms

59

23 days beyond terms

58

24 days beyond terms

57

25 days beyond terms

56

26 days beyond terms

55

26 days beyond terms

54

27 days beyond terms

53

28 days beyond terms

52

29 days beyond terms

51

29 days beyond terms

50

30 days beyond terms

49

33 days beyond terms

48

36 days beyond terms

47

39 days beyond terms

46

42 days beyond terms

45

45 days beyond terms

44

48 days beyond terms

43

51 days beyond terms

42

54 days beyond terms

41

57 days beyond terms

40

60 days beyond terms

39

63 days beyond terms

38

66 days beyond terms

37

69 days beyond terms

36

72 days beyond terms

35

75 days beyond terms

34

78 days beyond terms

33

81 days beyond terms

32

84 days beyond terms

31

87 days beyond terms

30

90 days beyond terms

29

93 days beyond terms

28

96 days beyond terms

27

99 days beyond terms

26

102 days beyond terms

25

105 days beyond terms

24

108 days beyond terms

23

111 days beyond terms

22

114 days beyond terms

21

117 days beyond terms

20

120 days beyond terms

1 to 19

Over 120 days beyond terms

Financial Stress Score

The US Financial Stress Score predicts the likelihood of business failure over the next twelve months. Scores are calculated using statistically valid models derived from D&B's extensive data files.

Financial Stress Score

Financial Stress Risk Class

Financial Stress Score

Financial Stress Percentile

Probability of Failure

1

1570-1875

95-100

0.03%

2

1510-1569

69-94

0.09%

3

1450-1509

34-68

0.24%

4

1340-1449

2-33

0.84%

5

1001-1339

1

4.70%

"0" class denotes open bankruptcy, out of business at the location or higher risk situations.

The Probability of Failure is the average for all firms in the United States that discontinued operations with loss to creditors, based on the information in D&B's database. The average Probability of Failure is 0.48%.

Commercial Credit Score

The US Commercial Credit Score predicts the likelihood of a firm paying in a delinquent manner (90 + days past terms) during the next 12 months, based on the information in D&B's database.  Scores are calculated using statistically valid models derived from D&B's extensive data files.

Commercial Credit Score

Commercial Credit Score

Credit Score Percentile

Credit Score Class

Delinquency Rate

482-670

91-100

1

6.0%

451-481

71-90

2

10.6%

404-450

31-70

3

18.4%

351-403

11-30

4

31.5%

101-350

1-10

5

70.0%

"0" class denotes open bankruptcy, out of business at the location or higher risk situations.

The Delinquency Rate shows the percentage of firms in a given percentile range that paid in a delinquent manner (90 + days past terms) based on the information in D&B’s database. The average delinquency rate for all firms in the United States based on information in D&B's database is 23.5% and is provided for comparative purposes.