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Resources
CreditRiskMonitor as Quoted in:
Chain Store Age, June 2006 PDF (35K)
The regular column, Behind the Numbers, features the Altman Z'' score.
Use of the score is explained and various retailers are compared on the basis of this score.
Chain Store Age, February 2006 PDF (115K)
The regular column, Behind the Numbers, features the ratio: Operating Income/ Net Tangible Assets.
Various retailers are compared on the basis of this ratio.
Publications
A Persistent Myth: Are small private firms really riskier than large public firms? PDF (111K)
From Business Credit magazine, June 2008, this article gives the answer, based on publicly available statistics: an unequivocal "No, public firms are much riskier... especially now."
Credit Research Foundation
Lessons for Businesses to Learn from Today's Credit Crisis PDF (219K)
The Credit Research Foundation released this editorial-style paper in October 2008, and it was featured on the CFO.com website. For over 40 years CRF has been a leading voice for credit professionals. Here they say, "The majority of businesses within a company's portfolio are going to survive the financial crisis. Some will be better for it. Other businesses however are going to succumb to the economic pressures and fail. Trying to segregate the winners from the losers represents a daunting task."
CRF Bad Debt Recovery Survey Analysis PDF (76K)
The Credit Research Foundation conducted a survey recently to explore bad debt recovery rates and practices. For over 40 years CRF has reported annually on the condition of bad debts related to annual sales along with the allowance for uncollectible accounts as a percentage of trade receivables. However, this recent survey was the first time recoveries were studied. The survey provided valuable data to facilitate analysis and insight determination to augment CRF’s annual bad debt report. Read about the results and the interpretations provided by author Al Carmenini, Senior VP Product Development at CreditRiskMonitor.
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