Years Before the Financial Failure Date

Average

One Year

Two Years

Three Years

Correct Percentage

Trained Model

Non-failed companies

74.8

75.0

74.5

74.8

Failed companies

67.3

69.8

68.6

63.4

Overall Percentage

71.3

72.5

71.7

69.6

Test Model

Non-failed companies

73.0

71.7

74.2

73

Failed companies

68.4

65.9

66.3

73

Overall Percentage

70.8

68.9

70.4

73