Springate S-Score solvency model API

Compute the Springate S-Score (1978): S = 1.03·WC/TA + 3.07·EBIT/TA + 0.66·EBT/CL + 0.4·Sales/TA, with the 0.862 failing threshold and per-factor breakdown. A four-ratio discriminant bankruptcy model. Answers 'Springate S-Score for this firm','is the company predicted to fail','solvency discriminant score'.

Price$0.016per request

MethodPOST

Route/v1/score/credit-springate

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scorecreditspringates-scorebankruptcysolvencydistressdiscriminant

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

Integration docs

Example request

{
  "workingCapital": 200,
  "ebit": 150,
  "ebt": 120,
  "currentLiabilities": 250,
  "sales": 1000,
  "totalAssets": 1000
}

Example response

{
  "model": "Springate S-Score (1978)",
  "sScore": 1.383,
  "classification": "solvent",
  "threshold": 0.862,
  "interpretation": "Predicted financially sound",
  "breakdown": [
    {
      "factor": "A WC/TA",
      "value": 0.2,
      "weight": 1.03,
      "contribution": 0.206
    },
    {
      "factor": "B EBIT/TA",
      "value": 0.15,
      "weight": 3.07,
      "contribution": 0.46
    },
    {
      "factor": "C EBT/CL",
      "value": 0.48,
      "weight": 0.66,
      "contribution": 0.317
    },
    {
      "factor": "D Sales/TA",
      "value": 1,
      "weight": 0.4,
      "contribution": 0.4
    }
  ]
}

Input schema

{
  "type": "object",
  "required": [
    "workingCapital",
    "ebit",
    "ebt",
    "currentLiabilities",
    "sales",
    "totalAssets"
  ],
  "properties": {
    "workingCapital": {
      "type": "number",
      "examples": [
        200
      ]
    },
    "ebit": {
      "type": "number",
      "examples": [
        150
      ]
    },
    "ebt": {
      "type": "number",
      "description": "Earnings before taxes",
      "examples": [
        120
      ]
    },
    "currentLiabilities": {
      "type": "number",
      "examples": [
        250
      ]
    },
    "sales": {
      "type": "number",
      "examples": [
        1000
      ]
    },
    "totalAssets": {
      "type": "number",
      "examples": [
        1000
      ]
    }
  }
}

Output schema

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