Ohlson O-Score (9-factor logit) API

Compute the Ohlson O-Score (1980), a 9-factor logit bankruptcy model (size, TLTA, WCTA, CLCA, OENEG, NITA, FUTL, INTWO, CHIN), returning the O-score, logistic probability of default, classification, and per-factor weight breakdown. Answers 'Ohlson O-Score for this company','9-factor probability of default','logit bankruptcy probability'.

Price$0.016per request

MethodPOST

Route/v1/score/credit-ohlson-o

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scorecreditohlsono-scorelogitbankruptcydefault-probabilitydistress

API URLhttps://x402.hexl.dev/v1/score/credit-ohlson-o

Integration docs

Example request

{
  "totalAssets": 1000,
  "totalLiabilities": 400,
  "workingCapital": 200,
  "currentLiabilities": 250,
  "currentAssets": 300,
  "netIncome": 50,
  "fundsFromOperations": 120,
  "netIncomePrior": 40
}

Example response

{
  "model": "Ohlson O-Score (1980)",
  "oScore": -0.793,
  "probabilityOfDefault": 0.3114,
  "classification": "healthy",
  "interpretation": "Default unlikely on this profile",
  "breakdown": [
    {
      "factor": "size log(TA/index)",
      "value": 2.3026,
      "weight": -0.407
    },
    {
      "factor": "TLTA",
      "value": 0.4,
      "weight": 6.03
    },
    {
      "factor": "WCTA",
      "value": 0.2,
      "weight": -1.43
    },
    {
      "factor": "CLCA",
      "value": 0.8333,
      "weight": 0.0757
    },
    {
      "factor": "OENEG (liab>assets)",
      "value": 0,
      "weight": -1.72
    },
    {
      "factor": "NITA",
      "value": 0.05,
      "weight": -2.37
    },
    {
      "factor": "FUTL funds/TL",
      "value": 0.3,
      "weight": -1.83
    },
    {
      "factor": "INTWO two-yr loss",
      "value": 0,
      "weight": 0.285
    },
    {
      "factor": "CHIN income change",
      "value": 0.1111,
      "weight": -0.521
    }
  ]
}

Input schema

{
  "type": "object",
  "required": [
    "totalAssets",
    "totalLiabilities",
    "workingCapital",
    "currentLiabilities",
    "currentAssets",
    "netIncome",
    "fundsFromOperations",
    "netIncomePrior"
  ],
  "properties": {
    "totalAssets": {
      "type": "number",
      "examples": [
        1000
      ]
    },
    "totalLiabilities": {
      "type": "number",
      "examples": [
        400
      ]
    },
    "workingCapital": {
      "type": "number",
      "examples": [
        200
      ]
    },
    "currentLiabilities": {
      "type": "number",
      "examples": [
        250
      ]
    },
    "currentAssets": {
      "type": "number",
      "examples": [
        300
      ]
    },
    "netIncome": {
      "type": "number",
      "examples": [
        50
      ]
    },
    "fundsFromOperations": {
      "type": "number",
      "description": "Funds/cash from operations",
      "examples": [
        120
      ]
    },
    "netIncomePrior": {
      "type": "number",
      "description": "Prior-year net income",
      "examples": [
        40
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}