Years Before the Financial Failure Date

Average

One Year

Two Years

Three Years

Correct Percentage

Trained Model

Non-failed companies

36.7

40.5

27.9

41.8

Failed companies

86.6

89.3

86.1

84.3

Overall Percentage

68.5

71.7

64.8

68.9

Test Model

Non-failed companies

47.8

43

59

41.3

Failed companies

90.9

87.6

92.2

92.9

Overall Percentage

76.8

72.4

81.5

76.6