Financial Analysis [400]
The Financials score consists of three sections: Quality of Financials, Performance, and Debt Servicing. Credora captures Financial information on the platform and calculates the below factors. Credora requests that borrowers upload statements every month, and at a minimum of every 3 months.
The scoring curves for multiple factors are included below. On the y axis, the percentage of available points is displayed.
Recency
Financial History
Return on Assets
Operating Margin
Interest Coverage
Current Ratio
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