MTS - What is the D&B® Financial Stress Score?

Question: What is the D&B® Financial Stress Score?

Answer: The Financial Stress Score (FSS) predicts the likelihood that a business will file for bankruptcy and leave unpaid debt. The Financial Stress Score is a predictive score, so other businesses might look at your FSS to help determine if your company is likely to file for bankruptcy in the next 12 months without being able to pay all its creditors.

Suppliers, lenders, landlords, and customers are just a handful of business partners who could be interested in your company’s Financial Stress Score. A poor FSS could make it more difficult for your business to access capital or result in less generous loan terms. You could also potentially miss out on lucrative contracts due to concerns about your business’s ability to fulfill its financial obligations.

There are three ways this score can be indicated:

Financial Stress Score: A numerical score between 1,001 and 1,875, with the lowest value representing the highest probability of financial stress.

Financial Stress Percentile: Companies are sorted into a percentile between 1 and 100, with a percentile of 1 representing the highest risk of financial stress and a percentile of 100 indicating the lowest probability of default or business failure.

Financial Stress Risk Class: Risk Class ranging from 1 to 5, where 1 represents businesses with the lowest probability of financial stress, and 5 indicates a high likelihood that a company will fail.

How is my Financial Stress Score Calculated?

To comprehensively evaluate the potential risk of your business filing for bankruptcy, the Financial Stress Score is calculated using many data points, including the following:

  • Number of employees
  • Industry
  • Age of the business
  • Current PAYDEX Score
  • Number of trade experiences on the business credit file
  • Number of negative and past due payment experiences
  • Number of suits, liens, or judgements
  • Prior UCCs or bankruptcy filings
  • Availability and age of financial statement data

The Financial Stress Score can be calculated without payment experiences, but if payment experiences exist for the business, they will be evaluated.

If your Financial Stress Score or Percentile has declined, or you’ve moved to a higher Risk Class, Dun & Bradstreet has determined that based on information in the Dun & Bradstreet Data Cloud, your company may be more likely to cease operations in the next 12 months.

If your Financial Stress Score or Percentile has improved, or you’ve moved to a lower Risk Class, based on information in its Data Cloud Dun & Bradstreet has seen indications that your company is less likely to cease operations in the next 12 months.

How can I help ensure that my Financial Stress Score accurately represents my business’s likelihood to face financial distress?

You can help ensure that your Financial Stress Score more accurately represents your business’s likelihood to face financial stress by confirming that your demographic information, financial statement data, and public filings data are all up to date and that all relevant payment experiences appear on your business credit file. You can also regularly check your business’s credit file so that potential errors and omissions can be spotted early on.

Financial Stress Score, Class, and Percentile


 Risk Level  Financial Stress Class    Financial Stress Score  Financial Stress Percentile
 Low  1 1570-1875 95-100%
 Low-Moderate  2 1510-1569 69-94%
 Moderate  3 1450-1509 34-68%
 Moderate-High  4 1340-1449 2-33%
 High  5 1001-1339 1%



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