Years Before the Financial Failure Date

Average

One Year

Two Years

Three Years

Correct Percentage

Trained Model

Non-failed companies

91.4

89.4

93.5

91.3

Failed companies

50.7

50.8

46.8

54.5

Overall Percentage

76.6

75.2

77.7

77

Test Model

Non-failed companies

87.6

87.3

83.6

92

Failed companies

55.5

48.7

59.5

58.3

Overall Percentage

76.2

73.6

73.9

81.1