HealthMark Trend Analysis helps you quickly understand how a company’s risk profile changes over time and what factors are driving those changes.
Publishing Monthly Updates
HealthMarks are generated using data collected from multiple sources and covering hundreds of millions of companies. While the underlying data is continuously ingested and maintained within our systems, HealthMark updates are published on a monthly basis.
Publishing updates monthly enables more consistent analysis, supports meaningful comparisons over time, and allows for clearer notifications related to changes in company risk. Updated HealthMarks are published at the start of each month.
Trend Analysis
As monthly HealthMarks are published for each company, historical results are retained and displayed in the portal as a trend chart.
This visualization allows you to track changes in risk levels over time and identify emerging patterns or shifts in financial health.
Delta Commentary
Each update includes commentary explaining the drivers behind changes in a company’s HealthMark. Where applicable, we also flag changes to Data Depth associated with the update.
Examples of delta commentary include:
The HealthMark was adjusted and Data Depth has changed as new data was added to the system or existing data expired.
Change to the percentage of accounts reported delinquent
Change to the total balance reported delinquent
Change to company size classification
These insights are designed to provide transparency into why a HealthMark changed and help you assess the significance of each update.