The Z-Score Family, Now Including an App

September 10, 2019


It all started close to 50 years ago with a handwritten note that contained a single word: bankruptcy. The word triggered an idea for a doctoral dissertation on predicting bankruptcy that introduced a now widely-known statistical model called the Z-Score. Over time, the Z-Score was modified and updated. Today it comprises a family of three statistical models – Z-Score, Z′ and Z″ – that credit professionals worldwide use to assess the financial health of publically-traded and privately-held…

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