Zmijewski X-Score (probit PD) API

Compute the Zmijewski X-Score (1984): X = -4.3 - 4.5·ROA + 5.7·TL/TA - 0.004·CR, then probability of financial distress via the logistic link, with healthy/distress classification (X>0 => distress) and per-factor breakdown. Answers 'Zmijewski probability of distress','probit bankruptcy score','default probability from leverage and ROA'.

Price$0.016per request

MethodPOST

Route/v1/score/credit-zmijewski

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scorecreditzmijewskix-scoreprobitbankruptcydefault-probabilitydistress

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

Integration docs

Example request

{
  "netIncome": 50,
  "totalLiabilities": 400,
  "currentAssets": 300,
  "currentLiabilities": 250,
  "totalAssets": 1000
}

Example response

{
  "model": "Zmijewski X-Score (1984)",
  "xScore": -2.25,
  "probabilityOfDistress": 0.0954,
  "classification": "healthy",
  "interpretation": "Below distress threshold",
  "breakdown": [
    {
      "factor": "ROA NI/TA",
      "value": 0.05,
      "weight": -4.5,
      "contribution": -0.225
    },
    {
      "factor": "TLTA TL/TA",
      "value": 0.4,
      "weight": 5.7,
      "contribution": 2.28
    },
    {
      "factor": "CR CA/CL",
      "value": 1.2,
      "weight": -0.004,
      "contribution": -0.005
    },
    {
      "factor": "constant",
      "value": 1,
      "weight": -4.3,
      "contribution": -4.3
    }
  ]
}

Input schema

{
  "type": "object",
  "required": [
    "netIncome",
    "totalLiabilities",
    "currentAssets",
    "currentLiabilities",
    "totalAssets"
  ],
  "properties": {
    "netIncome": {
      "type": "number",
      "examples": [
        50
      ]
    },
    "totalLiabilities": {
      "type": "number",
      "examples": [
        400
      ]
    },
    "currentAssets": {
      "type": "number",
      "examples": [
        300
      ]
    },
    "currentLiabilities": {
      "type": "number",
      "examples": [
        250
      ]
    },
    "totalAssets": {
      "type": "number",
      "examples": [
        1000
      ]
    }
  }
}

Output schema

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